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SILVER (1kg)₹88,400-0.12%
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Central Bank of India

Central Bank of India

NSE: CENTRALBK
Banks - RegionalFinancial ServicesLARGE CAPMCap ₹27.95k Cr
₹30.88₹0.10 (+0.32%)

Market Closed • NSE

Market cap₹27.95k Cr
Enterprise value₹19.70k Cr
P/E TTM6.13
P/B0.68
EPS TTM₹5.04
ROCE5.64%
ROE0.12%
ROA0.01%
Dividend yield0.03%
Face value₹10.00
52W high₹40.92
52W low₹29.32
Price chart(1Y)
1Y Return:-0.52% (₹0.16)
H: ₹34.48L: ₹29.76
1W+2.69%
1M+1.58%
3M-3.56%
6M-14.55%
1Y-16.36%
Today at a glance

Day range

₹30.21₹31.00

52 week range

₹29.32₹40.92
Volume3.73M0.50x 20D avg
Free float50.00%-49.90% volume

Central Bank of India closed at INR30.88 (+0.32%) on volume 0.5x its 20-day average, trading 24.54% below its 52-week high.

Technical analysis
RSI (14)52.9Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹0.69Moderate
SMA 20₹30.70BULLISH
SMA 50₹30.80BULLISH
SMA 100₹31.26BEARISH
SMA 200₹33.68BEARISH
CPR bottom₹31.30
Pivot₹31.13
CPR top₹30.95
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +77.1% QoQ

2026-05-08

DIVIDEND Announced

Interim Dividend - Rs 0.60 Per Share

2026-01-23

DIVIDEND Announced

Interim Dividend - Re 0.20 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹31.85k Cr₹27.95k Cr113.97%≤ 33%FAIL
Non-halal income ratio₹36.17k Cr₹20.57k Cr175.81%≤ 5%FAIL
Illiquid assets ratio₹513.24k Cr₹551.08k Cr93.13%≥ 20%PASS
Receivables ratio–₹551.08k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E6.1316.50
Forward P/E——
P/B0.681.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield16.306.10
Growth & profitability
RevenuePAT
FY24PAT margin 15.10%
FY25PAT margin 20.00%
FY26PAT margin 22.00%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y—
PAT CAGR 3Y+4.70%
PAT CAGR 5Y+11.10%
Operating margin39.67%
Net margin27.84%
Financial health & cash flow
Net debt–Moderate
Interest coverage0.00xEBIT / interest
CFO / PAT0.24x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹2.80k Cr
Capital expenditure–
Free cash flow₹2.35k Cr
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall58/100
Valuation75/100
Profitability50/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 6.1x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Banks - Regional.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

100%67%33%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
5.57%Institutional holding
5.16%Public holding
5Periods available
0.00%Promoter pledged
7.15LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
08 May 2026Dividend₹0.60 / share—08 May 2026
23 Jan 2026Dividend₹0.20 / share—23 Jan 2026
27 Oct 2025Dividend₹0.20 / share—27 Oct 2025
25 Jul 2025Dividend₹0.20 / share—25 Jul 2025
04 Jul 2025Dividend₹0.19 / share—04 Jul 2025
—Annual General MeetingAnnual General Meeting—09 Jul 2024
—Annual General MeetingAnnual General Meeting—23 Jun 2023
—Annual General MeetingAnnual General Meeting—04 Aug 2022
—Annual General MeetingAnnual General Meeting—05 Aug 2021
—Annual General MeetingAnnual General Meeting—31 Jul 2020
—Annual General MeetingAnnual General Meeting—21 Jun 2019
—Annual General MeetingAnnual General Meeting—21 Jun 2018
—Annual General MeetingAnnual General Meeting—22 Jun 2017
—Annual General MeetingAnnual General Meeting—23 Jun 2016
—Dividend₹0.50 / share—23 Jun 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)46.43%-5.78% latest vs average
Highest delivery62.78%on 24 Sept
Average volume (20D)7.46MTrading-session average
Conviction trendWeakening-5.78% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Central Bank of India
Central Bank of India

Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations and Forex operations.[1]

IndiaFinancial Services

Questions investors ask
Is Central Bank of India Shariah compliant?

Central Bank of India is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bbanks?\b/i Debt to Market Cap (113.97%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (175.81%) exceeds 5% threshold.

What is Central Bank of India's current valuation relative to peers?

Central Bank of India trades at a P/E of 6.1x compared to the sector median of 16.5x, and a Price-to-Book of 0.7x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of zero debt. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged 11.1%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.