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Central Bank of India (CENTRALBK.NS)
Mumbai, IN
Central Bank of India functions as a prominent commercial banking entity throughout India, providing a wide array of financial products and services to both individual and corporate clients. Its offerings for personal customers include various deposit schemes such as savings, current, time, fixed, recurring, and small savings accounts. The bank's lending portfolio encompasses housing, vehicle, property, personal, senior citizens, education, and agricultural loans, alongside financing for micro, small, and medium enterprises (MSMEs). Additionally, it issues credit, debit, and prepaid/gift cards and facilitates services like cash management, mutual funds, depository functions, mobile and internet banking, and ATM access. For businesses, Central Bank of India delivers specialized corporate financing solutions. These include project and infrastructure funding, investment for infrastructure investment trusts (InvITs), short-term corporate loans, advances, working capital facilities, lines of credit, export finance, foreign currency loans, and bill-related services such as purchase, discount, and negotiation. The bank also extends non-fund based facilities and serves a multitude of industries. Beyond core banking, the institution distributes a comprehensive range of insurance products, covering life (including unit-linked, whole life, children's, money-back, endowment, pension, protection, and retirement solutions), general (property, personal, fire, burglary, engineering, motor, package, and travel), and health insurance. As of March 31, 2022, the bank's operational reach included 4,528 branches, 2,976 ATMs, 10 satellite offices, and one extension counter. Furthermore, Central Bank of India has forged a strategic co-lending partnership with IIFL Home Finance Limited to offer SME Loan Against Property (LAP) products specifically for MSME borrowers within the priority sector. Established in 1911, Central Bank of India maintains its headquarters in Mumbai, India.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.11% | -6.42% | -3.03% | -7.75% | -8.60% | -7.67% | -4.59% | +26.48% | +87.15% | -56.26% | -64.79% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
-
Revenue growth+7.3% Q1'26: +3.4% (vs Q1'25)
-
EPS growth+10.4% Q1'26: -35.4% (vs Q1'25)
-
FCF margin— Q1'26: -270.0% (vs Q1'25)
-
EBIT margin— Q1'26: +14.8% (vs Q1'25)
-
ROIC— Q1'26: +11.7% (vs Q1'25)
-
Share dilution+4.2% Q1'26: +4.8% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 4.95× (vs Q1'25)
* 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.
| Metric |
Mar 2008 actual |
Mar 2009 actual |
Mar 2015 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|
| Revenue |
88.05B
est: 31.05B (+183.6%)
|
115.41B
est: 34.22B (+237.2%)
|
283.77B
est: 87.93B (+222.7%)
|
297.43B
est: 130.11B (+128.6%)
|
355.77B
est: 144.12B (+146.9%)
|
396.92B
est: 87.93B (+351.4%)
|
233.63B
233.63B – 233.63B
+165.7% YoY
|
268.61B
268.61B – 268.61B
+15.0% YoY
|
144.12B
144.12B – 144.12B
-46.3% YoY
|
| EBITDA |
6.87B
est: 1.88B (+265.9%)
|
7.36B
est: 2.07B (+255.3%)
|
8.48B
est: 5.32B (+59.4%)
|
20.74B
est: 7.87B (+163.5%)
|
31.76B
est: 8.72B (+264.3%)
|
45.01B
est: 24.97B (+80.2%)
|
66.36B
66.36B – 66.36B
+165.7% YoY
|
76.29B
76.29B – 76.29B
+15.0% YoY
|
40.93B
40.93B – 40.93B
-46.3% YoY
|
| EBIT |
5.43B
est: 1.48B (+266.0%)
|
5.70B
est: 1.60B (+256.2%)
|
6.18B
est: 4.20B (+47.3%)
|
16.88B
est: 6.21B (+171.8%)
|
26.77B
est: 6.88B (+289.1%)
|
39.43B
est: 23.80B (+65.7%)
|
63.23B
63.23B – 63.23B
+165.7% YoY
|
72.70B
72.70B – 72.70B
+15.0% YoY
|
39.00B
39.00B – 39.00B
-46.3% YoY
|
| Net Income |
5.95B
est: 113.86B (-94.8%)
|
6.36B
est: 70.71B (-91.0%)
|
6.14B
est: 36.46B (-83.2%)
|
16.79B
est: 19.10B (-12.1%)
|
26.68B
est: 30.38B (-12.2%)
|
39.34B
est: 68.76B (-42.8%)
|
48.86B
48.86B – 48.86B
-28.9% YoY
|
55.19B
55.19B – 55.19B
+13.0% YoY
|
61.52B
61.52B – 61.52B
+11.5% YoY
|
| SGA |
362.66M
est: 85.25M (+325.4%)
|
466.27M
est: 92.10M (+406.2%)
|
687.79M
est: 241.41M (+184.9%)
|
73.27B
est: 357.23M (+20,411.8%)
|
82.65B
est: 395.69M (+20,787.2%)
|
94.31B
est: 19.84B (+375.4%)
|
52.72B
52.72B – 52.72B
+165.7% YoY
|
60.61B
60.61B – 60.61B
+15.0% YoY
|
32.52B
32.52B – 32.52B
-46.3% YoY
|
| EPS |
13.48
est: 13.12 (+2.8%)
|
11.71
est: 8.10 (+44.5%)
|
4.69
est: 4.20 (+11.7%)
|
1.93
est: 2.20 (-12.3%)
|
3.07
est: 3.50 (-12.3%)
|
4.53
est: 7.60 (-40.4%)
|
5.40
5.40 – 5.40
-28.9% YoY
|
6.10
6.10 – 6.10
+13.0% YoY
|
6.80
6.80 – 6.80
+11.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-04 | A- | 4/5 | 3/5 | 4/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 3/5 | 4/5 | 4/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.00% | 152.6K | 0.17% |
| 2 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.00% | 152.6K | 0.17% |
| 3 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 82.1K | 0.26% |
| 4 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.00% | 36.4K | 0.48% |
| 5 | Schwab Emerging Markets Equity ETF SCHE | 0.00% | 244.9K | 0.06% |
| 6 | Vanguard FTSE Asia ex Japan Shares Index ETF VAE.AX | 0.00% | 9.2K | 0.40% |
| 7 | Vanguard All-World ex-US Shares Index ETF VEU.AX | 0.00% | 33.0K | 0.04% |
| 8 | Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO | 0.00% | 6.5K | 0.22% |
| 9 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 19.6K | 0.22% |
| 10 | Vanguard Growth ETF Portfolio VGRO.TO | 0.00% | 10.5K | 0.22% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Bhaskar Gorugantu | Chief Risk Officer | — | — |
| Chandrakant C. Bhagwat | Assistant GM, Company Secretary & Compliance Officer | — | male |
| E. Ratan Kumar | Executive Director | — | male |
| Kalyan Kumar | MD & Chief Executive Officer | — | male |
| Kavita Thakur | GM of Compliance Department & Chief Compliance Officer | — | female |
| Mahendra Dohare | Executive Director | — | male |
| Malladi Venkat Murali Krishna | Executive Director | — | male |
| Mukul N. Dandige | GM of F&A and Chief Financial Officer | — | male |
| Sunil Arora | Chief Vigilance Officer | — | male |
| Vijay Vasantrao Murar | General Manager of Treasury & ID | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CENTRALBK.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
