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Bank of India (BANKINDIA.NS)

INR141.87 -3.72 (-2.56%)
IN NSE Financial Services Banks
Address Star House - I 400051
Mumbai, MH, IN
CEO Rajneesh Karnatak
Website bankofindia.co.in
IPO 2002-07-01
ISIN INE084A01016

Explore sections of this company profile

Also trades on Bombay Stock Exchange · BANKINDIA.BO (INR) National Stock Exchange of India · BANKINDIA.NS (INR)
Description

Bank of India Limited provides various banking products and services in India and internationally. It operates through Treasury, Wholesale Banking, and Retail Banking segments. The company accepts various deposit products, such as savings, salary, current, term, and rera account deposits. It also provides debit, credit, and prepaid cards; personal, home, vehicle, education, star reverse mortgage, and home loans, as well as loans against property; and finance to new and existing business, healthcare schemes, govt. sponsored schemes, and commercial vehicle finance services. In addition, the company offers credit, cash management, and trade finance services; government deposit schemes, including public provident fund, senior citizens savings, Sukanya Samridhi, national pension system, departmentalized ministries, sovereign and RBI bond, mahila samman savings certificate, and other schemes; mutual funds; and life, health, and general insurance products. Further, it provides NRI services, such as accounts, loans, and money remittance and ancillary services, as well as Kisan credit card, gold loans, self help group, Atmanirbhar schemes, tractor/farm mechanization, food and agro loans, agri allied activities, Kisan Ghar and agri mortgage loan, agri clinic/agri business centers, and other loans services, as well as internet and mobile banking, and payment services. The company was incorporated in 1906 and is headquartered in Mumbai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR141.87 -3.72 (-2.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
11M
Beta
0.76
Float Shares
1.21B
Free Float %
26.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.28% -1.86% -4.97% -14.94% -4.15% -2.27% +27.70% +81.39% +93.24% +61.59% +524.80%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
141.87
DCF (Unlevered) 188.83 +33.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 40% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 1 -2
Hold 2 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.25
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Banks: +13.8%
    +5.1% Q1'26: +3.8% (vs Q1'25)
  • ✓
    EPS growth Banks: +25.1%
    +8.0% Q1'26: +18.5% (vs Q1'25)
  • ✗
    FCF margin FCF growth · Banks: +75.8%
    -46.5% Q1'26: -210.6% (vs Q1'25)
  • ✗
    EBIT margin Banks: +27.6%
    +16.0% Q1'26: +17.9% (vs Q1'25)
  • ✗
    ROIC Banks: +1.1%
    +9.2% ★ Q1'26: +11.2% (vs Q1'25)
  • ✓
    Share dilution Banks: +0.1%
    0.0% Q1'26: +0.1% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Banks: 1.37×
    8.31× ★ Q1'26: 7.27× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.82) × ERP
WACC = 35% × Ke + 65% × Kd (42.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 110.59 Current price: 141.87
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2010
actual 		Mar 2011
actual 		Mar 2012
actual 		Mar 2013
actual 		Mar 2014
actual 		Mar 2015
actual 		Mar 2016
actual 		Mar 2017
actual 		Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
3 Rev. Ana.
5 EPS Ana. 		Mar 2027
2 Rev. Ana.
4 EPS Ana. 		Mar 2028
3 Rev. Ana.
4 EPS Ana. 		Mar 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
205.97B
est: 84.33B (+144.2%)
239.96B
est: 101.67B (+136.0%)
314.93B
est: 113.64B (+177.1%)
358.73B
est: 129.06B (+178.0%)
423.72B
est: 152.87B (+177.2%)
480.13B
est: 159.09B (+201.8%)
454.13B
est: 151.69B (+199.4%)
462.84B
est: 176.50B (+162.2%)
426.37B
est: 159.61B (+167.1%)
443.00B
est: 183.08B (+142.0%)
490.11B
est: 219.12B (+123.7%)
471.60B
est: 220.26B (+114.1%)
456.17B
est: 214.85B (+112.3%)
538.01B
est: 273.75B (+96.5%)
672.06B
est: 252.69B (+166.0%)
804.92B
est: 282.11B (+185.3%)
353.04B
339.28B – 377.20B
+25.1% YoY
386.72B
351.73B – 416.78B
+9.5% YoY
431.84B
387.71B – 464.33B
+11.7% YoY
431.94B
431.94B – 431.94B
+0.0% YoY
EBITDA
23.44B
est: 10.61B (+121.0%)
29.54B
est: 12.79B (+131.0%)
38.19B
est: 14.29B (+167.2%)
72.85B
est: 16.23B (+348.8%)
40.57B
est: 19.23B (+111.0%)
24.09B
est: 20.01B (+20.4%)
-77.09B
est: 19.08B (-504.0%)
-23.17B
est: 22.20B (-204.4%)
-80.47B
est: 20.08B (-500.8%)
-82.86B
est: 23.03B (-459.8%)
-41.78B
est: 27.56B (-251.6%)
25.79B
est: 27.70B (-6.9%)
59.45B
est: 27.02B (+120.0%)
65.25B
est: 247.24B (-73.6%)
107.02B
est: 31.79B (+236.6%)
131.62B
est: 277.51B (-52.6%)
44.42B
42.69B – 47.46B
-84.0% YoY
48.65B
44.25B – 52.44B
+9.5% YoY
54.33B
48.78B – 58.42B
+11.7% YoY
54.34B
54.34B – 54.34B
+0.0% YoY
EBIT
17.87B
est: 55.53B (-67.8%)
25.42B
est: 30.16B (-15.7%)
36.44B
est: 39.07B (-6.7%)
70.96B
est: 40.64B (+74.6%)
38.23B
est: 35.74B (+7.0%)
21.18B
est: 38.04B (-44.3%)
-79.99B
est: 17.08B (-568.3%)
-23.10B
est: -95.27B (+75.8%)
-85.69B
est: -21.47B (-299.0%)
-86.58B
est: -98.27B (+11.9%)
-45.70B
est: -106.11B (+56.9%)
21.99B
est: -45.24B (+148.6%)
55.74B
est: -47.02B (+218.5%)
60.99B
est: -49.36B (+223.6%)
101.93B
est: 29.81B (+241.9%)
125.58B
est: 33.28B (+277.3%)
41.65B
40.03B – 44.50B
+25.1% YoY
45.62B
41.49B – 49.17B
+9.5% YoY
50.94B
45.74B – 54.78B
+11.7% YoY
50.96B
50.96B – 50.96B
+0.0% YoY
Net Income
17.84B
est: 41.08B (-56.6%)
25.42B
est: 21.55B (+18.0%)
27.25B
est: 28.42B (-4.1%)
70.71B
est: 30.89B (+128.9%)
29.87B
est: 33.40B (-10.6%)
20.13B
est: 31.85B (-36.8%)
-62.04B
est: 18.57B (-434.2%)
-14.70B
est: -73.36B (+80.0%)
-59.61B
est: -13.09B (-355.5%)
-54.27B
est: -67.65B (+19.8%)
-30.51B
est: -66.50B (+54.1%)
20.83B
est: -30.20B (+169.0%)
34.93B
est: -31.39B (+211.3%)
38.38B
est: 47.42B (-19.1%)
65.64B
est: 68.91B (-4.7%)
95.48B
est: 94.90B (+0.6%)
103.06B
97.46B – 107.39B
+8.6% YoY
105.99B
74.40B – 115.27B
+2.8% YoY
116.02B
77.17B – 125.70B
+9.5% YoY
93.04B
81.33B – 102.26B
-19.8% YoY
SGA
6.20B
est: 59.06B (-89.5%)
7.08B
est: 71.51B (-90.1%)
1.23B
est: 78.51B (-98.4%)
1.23B
est: 92.13B (-98.7%)
1.69B
est: 117.30B (-98.6%)
1.95B
est: 124.85B (-98.4%)
1.37B
est: 128.12B (-98.9%)
1.74B
est: 527.43M (+230.0%)
1.46B
est: 476.96M (+206.3%)
1.48B
est: 547.09M (+169.7%)
1.60B
est: 654.79M (+144.8%)
1.19B
est: 658.20M (+80.7%)
95.16B
est: 642.02M (+14,722.7%)
112.12B
est: 818.03M (+13,605.6%)
122.23B
est: 38.99B (+213.5%)
136.98B
est: 43.53B (+214.6%)
54.48B
52.36B – 58.21B
+25.1% YoY
59.68B
54.28B – 64.32B
+9.5% YoY
66.64B
59.83B – 71.65B
+11.7% YoY
66.66B
66.66B – 66.66B
+0.0% YoY
EPS
34.03
est: 38.06 (-10.6%)
48.37
est: 51.21 (-5.5%)
49.85
est: 44.02 (+13.2%)
49.01
est: 49.35 (-0.7%)
48.96
est: 46.75 (+4.7%)
31.30
est: 36.90 (-15.2%)
-18.93
est: -46.23 (+59.1%)
-4.48
est: -4.89 (+8.3%)
-18.18
est: -22.52 (+19.3%)
-29.14
est: -20.73 (-40.6%)
-9.39
est: -11.27 (+16.7%)
6.36
est: 2.92 (+117.8%)
9.07
est: 10.94 (-17.1%)
9.35
est: 9.70 (-3.6%)
15.48
est: 15.83 (-2.2%)
20.97
est: 19.05 (+10.1%)
22.13
21.40 – 23.58
+16.2% YoY
21.88
16.34 – 25.31
-1.1% YoY
23.42
16.95 – 27.61
+7.0% YoY
20.43
17.86 – 22.46
-12.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-11 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-08 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-07 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-06 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-05 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-05-04 B+ 3/5 1/5 4/5 3/5 2/5 4/5 4/5
2026-04-30 B 3/5 1/5 4/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-21 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-15 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
23.25B
OE per share TTM
5.12
Owner's Yield
3.62%
Maintenance CapEx ratio
21.16%
Maint CapEx / Avg PPE
16.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.77M
Shares Outstanding
4.55B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Abhijit Bose Chief GM & Chief Compliance Officer — male
Ashok Kumar Pathak Chief General Manager — male
Kumar GM & Chief Financial Officer — male
Pinapala Hari Kishan Chief General Manager & Chief Risk Officer — male
Prashant Thapliyal Chief GM, Functional Head-Asset Recovery, Cr Monitoring, Stress Asset Resolution & Legal Department — male
R. Rajagopal Executive Director — male
Rajiv Mishra Executive Director — male
Rajneesh Karnatak MD, Chief Executive Officer & Director — male
Subrat Kumar Executive Director — male
Sudhiranjan Padhi Chief General Manager — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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