NSE: BANKINDIA · BSE: 532149 · ISIN INE084A01016
Bank of India stock analysis
Bank of India ranks #1321 in the TickerSutra evidence-ranked universe with a score of 54/100 and 95% data confidence. The latest captured fundamentals show ROCE of 5.9%, quarterly sales growth of 8.8% and quarterly profit growth of 49.8%.Monitor only
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- Strong CFO/EBITDA of 1×
- 16.4% three-year sales CAGR
- Institutional ownership is rising
- CWIP indicates an active capacity pipeline
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹38,281cr | ₹-2,065cr | ₹3,487cr | -5.0% |
| 2023 | ₹47,932cr | ₹-686cr | ₹3,839cr | -1.0% |
| 2024 | ₹61,073cr | ₹4,469cr | ₹6,567cr | 7.0% |
| 2025 | ₹71,308cr | ₹4,057cr | ₹9,552cr | 6.0% |
| 2026 | ₹75,613cr | ₹4,766cr | ₹10,309cr | 6.0% |
| TTM | ₹77,244cr | ₹4,840cr | ₹11,783cr | 6.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
Bank of India has informed the Exchange about change in FRS w.e.f 01-10-2026.
RoutineGeneral UpdatesNSE · 29 Sept 2026Bank Of India has informed the Exchange about change in FRS w.e.f 01-10-2026
RoutineUpdatesNSE · 29 Sept 2026Updates
RoutineGeneral UpdatesNSE · 29 Sept 2026Bank Of India has informed the Exchange about Establishment of Euro Medium Term Note Programme.
RoutineBank of India - 532149 - Bank Of India Has Informed The Exchange About Establishment Of Euro Medium Term Programme (EMTN).BSE · 29 Sept 2026Bank of India has informed the Exchange about establishment of EMTN Programme
MANAGEMENT COMMENTARY
Signals from filed documents
Despite rising protectionism and geopolitical shifts, the Bank’s export credit registered steady growth of approximately 10% in FY 2025-26. Export turnover in the Bank grew by 10.49%—significantly outperforming India’s overall export growth of ~6%—while the remittance business recorded an 11.86% increase during the review period. Centralized Foreign Exchange Back Office (FEBO): To ensure operational uniformity and
Priority Sector Advances increased by 16.72% YoY. Both Priority Sector and Agriculture Advances stayed above regulatory thresholds, constituting 46.36% and 19.56% of Adjusted Net Bank Credit (ANBC), respectively. Net Interest Income (NII) for FY26 increased by 3% YoY while Global Net Interest Margin (NIM) now stands at 2.52%.
Real-time Affordability Solutions: Integrating a Real-time EMI facility for credit cards across both E-commerce and physical POS terminals, providing customers with instant financing options at the point of purchase. Specialized Products ‘Akshaya Prepaid,’ a dedicated RuPay prepaid card solution specifically engineered to meet the disbursement and operational requirements of Government institutions. Expedited D
In the leverage also we have our product which is up to nine times the leverage we will be giving. So that is the product that we have approved and got approval from our Board that we have already r olled out and we are marketing that leverage product. Also as far as the costing part is concerned we are offering these products at for a three year FCNR we are giving 6.25 %.
They have already availed or will be availing the ECLGS scheme that will help them to tide over this situation which is there presently prevailing. Ashok Ajmera Sir, we are one of the large player even in the international market also reasonably large. And now with this relaxation in the interest rate by the RBI on the FCNR and the other foreign, other two routes of bringing the foreign deposits, where do we stand th
The results were also displayed on the Bank’s website at www.bankofindia.bank.in. The presentations made to Institutional Investors are also available on Bank’s website. As required by SEBI LODR Regulations, Bank of India files its financial and other information online on the web portals of the Stock Exchanges.
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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