Track Bank of India live share price with 52 week high and low, chart views, fundamentals, financial statements, ratios, public sector bank peer comparison, dividends, bonuses/splits and company details.
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These quick figures help beginners understand valuation and market activity. Live market values can change frequently, so verify the latest quote and disclosures from NSE, BSE and company filings.
Bank of India is an Indian public sector bank with a long operating history in deposits, lending, payments and financial services. For customers, it provides everyday banking products such as savings accounts, current accounts, fixed deposits, debit cards, digital banking, home loans, personal loans, vehicle loans, education loans, agriculture loans and MSME banking services.
For investors, Bank of India is usually studied as a public sector bank where earnings depend on deposit growth, credit growth, net interest margin, asset quality, provisioning, treasury income, operating efficiency and capital adequacy. Because banking is a regulated and cyclical business, one strong quarter or one weak quarter should be read in the context of longer-term trends.
Important monitorables include gross NPA ratio, net NPA ratio, provision coverage ratio, CASA ratio, credit-deposit ratio, loan mix, government ownership, dividend payout, return on assets and return on equity.
Bank of India is commonly viewed through Treasury Operations, Wholesale Banking and Retail Banking. Treasury covers investments, government securities, money market and foreign exchange operations. Retail and wholesale banking include deposits, loans and services for individuals, MSMEs, agriculture customers, corporates and institutions.
Bank of India earns most of its operating income by accepting deposits and lending money to borrowers. The difference between interest earned on loans and investments and interest paid on deposits is a key driver of net interest income.
The bank also earns non-interest income from fees, cards, account services, remittances, trade finance, digital transactions, insurance distribution, mutual fund distribution, foreign exchange services and treasury operations. Treasury gains can support profits in some periods, but investors should separate recurring operating performance from market-linked gains or losses.
For a public sector bank, asset quality is especially important. If borrowers delay repayment or loans turn non-performing, the bank may need higher provisions, which can reduce profit.
| Segment | What it includes | Why it matters |
|---|---|---|
| Treasury Operations | Investment portfolio, government securities, money market operations and foreign exchange activity | Can affect income through yields, trading gains/losses and interest rate movements |
| Retail Banking | Savings accounts, deposits, cards, digital banking, home loans, vehicle loans, personal loans and customer services | Shows the strength of customer franchise, deposits and granular lending |
| Wholesale Banking | Corporate banking, working capital, term loans, trade finance and institutional services | Can support loan growth but must be watched for concentration and asset quality risk |
| MSME, Agriculture and Priority Sector | Loans and banking services for small businesses, farms and priority-sector borrowers | Important for public sector banking role, credit growth and credit-cost monitoring |
Segment definitions and contribution can change over time. Verify the latest segment details from the bank’s annual report and official exchange filings.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Revenue | ₹61,073 Cr | ₹71,308 Cr | ₹75,613 Cr |
| Interest | ₹37,757 Cr | ₹46,594 Cr | ₹50,139 Cr |
| Expenses | ₹18,848 Cr | ₹20,656 Cr | ₹20,708 Cr |
| Financing Profit | ₹4,469 Cr | ₹4,057 Cr | ₹4,766 Cr |
| Other Income | ₹6,415 Cr | ₹9,317 Cr | ₹9,737 Cr |
| Profit Before Tax | ₹10,375 Cr | ₹12,771 Cr | ₹13,773 Cr |
| Net Profit | ₹6,567 Cr | ₹9,552 Cr | ₹10,309 Cr |
| EPS | ₹14.42 | ₹20.97 | ₹22.64 |
| Dividend Payout | 19% | 19% | 21% |
Financial statement data is for educational comparison. Always verify the latest audited and unaudited financial results from Bank of India, NSE and BSE filings.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Equity Capital | ₹4,553 Cr | ₹4,553 Cr | ₹4,553 Cr |
| Reserves | ₹66,028 Cr | ₹76,172 Cr | ₹85,405 Cr |
| Deposits | ₹7,40,611 Cr | ₹8,19,806 Cr | ₹9,30,973 Cr |
| Borrowings | ₹80,960 Cr | ₹1,23,869 Cr | ₹1,18,626 Cr |
| Other Liabilities | ₹32,127 Cr | ₹32,024 Cr | ₹39,980 Cr |
| Total Liabilities | ₹9,24,280 Cr | ₹10,56,425 Cr | ₹11,79,538 Cr |
| Fixed Assets | ₹10,178 Cr | ₹11,865 Cr | ₹11,670 Cr |
| Investments | ₹2,34,592 Cr | ₹2,68,002 Cr | ₹2,79,084 Cr |
| Other Assets | ₹6,79,361 Cr | ₹7,76,376 Cr | ₹8,88,577 Cr |
| Total Assets | ₹9,24,280 Cr | ₹10,56,425 Cr | ₹11,79,538 Cr |
For banks, deposits, borrowings, investments, advances, capital adequacy and asset quality should be read together. Verify the latest balance sheet and schedules from official filings.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Cash from Operating Activity | -₹4,437 Cr | ₹18,534 Cr | ₹4,753 Cr |
| Cash from Investing Activity | -₹991 Cr | -₹854 Cr | -₹329 Cr |
| Cash from Financing Activity | ₹3,868 Cr | ₹34 Cr | -₹5,672 Cr |
| Net Cash Flow | -₹1,560 Cr | ₹17,714 Cr | -₹1,248 Cr |
| Free Cash Flow | -₹5,264 Cr | ₹17,861 Cr | ₹3,907 Cr |
| CFO / Operating Profit | -13% | 37% | 9% |
Bank cash flow can look different from non-financial companies because deposits, borrowings, investments and lending move through the operating structure. Use cash flow along with asset quality, deposits, credit growth and capital ratios.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| ROE | 10% | 12% | 12% |
| Compounded Sales Growth | 10Y: 6% | 5Y: 13% | 3Y: 16% |
| Compounded Profit Growth | 10Y: 14% | 5Y: 39% | 3Y: 42% |
| Stock Price CAGR | 10Y: 4% | 5Y: 14% | 3Y: 26% |
| Dividend Payout | 19% | 19% | 21% |
Ratios should be checked with the latest annual report and investor presentation. Banking ratios can change quickly when interest rates, provisioning or credit growth changes.
| Company | Market Cap | Price | P/E | Price to Book | Dividend Yield | ROE |
|---|---|---|---|---|---|---|
| Bank of India | — | — | — | — | — | Verify latest |
| State Bank of India | — | — | — | — | — | Verify latest |
| Bank of Baroda | — | — | — | — | — | Verify latest |
| Punjab National Bank | — | — | — | — | — | Verify latest |
| Canara Bank | — | — | — | — | — | Verify latest |
| Union Bank of India | — | — | — | — | — | Verify latest |
Peer comparison is useful only when banks are compared on the same date and with the same methodology. Also compare gross NPA, net NPA, provision coverage, CASA ratio, capital adequacy, loan growth, deposit growth and return ratios.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Verify the latest final dividend from official exchange filings | Check NSE, BSE and bank announcements for record date, ex-date and amount |
| FY 2024-25 | Dividend payout ratio shown at 19% in this educational summary | Use official annual report and exchange filings for entitlement details |
| FY 2023-24 | Dividend payout ratio shown at 19% in this educational summary | Past payout does not guarantee future dividends |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | Verify latest status from exchange filings | Do not rely on unofficial corporate action summaries alone |
| Face Value | ₹10.00 | Verify the latest face value from NSE, BSE or company filings |
| Split | Verify latest status from exchange filings | Check split history before comparing long-term prices |
Always verify the latest dividend, bonus, split, rights issue, record date and ex-date directly from official NSE, BSE and Bank of India filings. Corporate actions affect historical price comparison and investor entitlement.
| Monitorable | Why it matters | Where to verify |
|---|---|---|
| Gross NPA and Net NPA | Shows asset quality and stress in the loan book | Quarterly results, investor presentation and exchange filings |
| Net Interest Margin | Shows how efficiently the bank earns spread between lending and deposits | Quarterly results and management commentary |
| Deposit Growth and CASA Ratio | Shows strength of customer franchise and cost of funds | Quarterly results and annual report |
| Provision Coverage and Credit Cost | Shows how much profit is being used to cover potential loan losses | Quarterly financial statements |
| Capital Adequacy | Shows capacity to grow loans and absorb stress | Basel disclosures and investor presentations |
| Dividend and Government Ownership | Affects payout expectations, public float and policy context | Corporate action filings and shareholding pattern |
This checklist is not a recommendation. It is a framework to help beginners read banking results more carefully.
These FAQs help users understand Bank of India beyond the share price, including accounts, loans, digital banking, customer care, business model, risks, dividends and investment monitorables.
Bank of India is a public sector bank in India. It offers savings accounts, current accounts, fixed deposits, debit cards, credit cards, UPI, mobile banking, internet banking, home loans, vehicle loans, personal loans, education loans, MSME loans, agriculture banking, trade finance, insurance distribution and other financial services.
The NSE symbol is BANKINDIA and the BSE code is 532149. This page uses BANKINDIA.NS for Yahoo Finance-compatible live chart and quote data.
You can track the share price through NSE, BSE, broker platforms and this live chart page. Market data can move quickly during trading hours, so verify the latest quote from official exchange feeds.
The bank mainly earns interest income by lending to retail, agriculture, MSME, corporate and government-linked borrowers. It also earns fee income from cards, account services, digital transactions, trade finance, distribution of financial products, treasury operations and foreign exchange services.
Bank of India is commonly studied through Treasury Operations, Wholesale Banking, Retail Banking and other banking services. Treasury includes investments, government securities, money market activity and foreign exchange operations.
Bank of India is a public sector bank and the Government of India is the majority promoter. Always verify the latest promoter and public shareholding from quarterly exchange filings.
Bank of India has paid dividends in past years, but dividends are not guaranteed. Dividend amount, ex-date, record date and payout depend on approvals, profitability, capital needs and regulation. Verify the latest dividend from official NSE, BSE and bank filings.
Investors should verify any bonus, split, rights issue or face value change from official exchange filings and company announcements. Corporate action summaries should not replace official filings.
Beginners should check deposit growth, loan growth, net interest margin, gross and net NPA ratios, provision coverage, credit cost, CASA ratio, capital adequacy, return on assets, return on equity, dividend history and valuation compared with other public sector banks.
Important risks include bad loans, credit cost, interest rate movement, treasury volatility, slower deposit growth, pressure on margins, regulatory changes, government ownership considerations, competition and economic cycles.
Customers can usually begin through the official website, mobile banking app or a nearby branch. Common KYC documents include PAN, Aadhaar or another valid identity and address proof, photograph and mobile number. Requirements can vary by account type.
Digital banking can help customers check balances, transfer funds, pay bills, use UPI, manage cards, view statements, open deposits and submit service requests. Use only official apps and websites and never share OTP, PIN, CVV, passwords or UPI PIN.
Compare it with SBI, Bank of Baroda, Punjab National Bank, Canara Bank and Union Bank on asset quality, loan growth, deposits, CASA mix, capital adequacy, return ratios, valuation, dividend yield and earnings consistency.
No. This page is educational and informational. It does not provide buy, sell or hold recommendations. Investors should do independent research or consult a qualified financial adviser.
