Central Bank of India(CENTRALBK)

NSE: CENTRALBKBSE: 532885

₹ 28.84-3.90%refreshed 23 Oct, 03:58 pm ISTMarket cap: ₹ 26,104 crWebsite: www.centralbankofindia.co.inUpdated: 24 Oct 2026

About

Central Bank of India is a public sector bank offering retail, wholesale and treasury banking services across India. As of Q2 FY27 (provisional), total global business stood at ₹8,89,621 crore, with gross advances of ₹3,81,035 crore growing 29.83% year-on-year. In FY26, its three reported segments were Retail Banking Operations (44.3% of revenue), Treasury Operations (32.3%) and Wholesale Banking Operations (23.4%).^[1][2]

Business segments

Retail Banking Operations: ₹18,602.38 Cr revenue in FY26, 44.3% of the total.^[2]
Treasury Operations: ₹13,556.83 Cr revenue in FY26, 32.3% of the total.^[2]
Wholesale Banking Operations: ₹9,831.45 Cr revenue in FY26, 23.4% of the total.^[2]

Loan book and deposits

Gross global advances were ₹3,81,035 crore in Q2 FY27 (provisional), up 29.83% year-on-year. Total deposits were ₹5,08,586 crore, up 14.43% year-on-year.^[1]
In Q1 FY27, the RAM (Retail, Agriculture, MSME) book was 68% of domestic advances and corporate was 32%, within the 65:35 ±5% guidance band.^[3]
RAM advances grew 21.38% year-on-year to ₹2,41,105 Cr in Q1 FY27.^[4]
Retail advances were ₹1,03,533 crore in FY26 (+25.67% YoY), crossing ₹1 lakh crore. Agriculture was ₹61,687 crore (+17.60%) and MSME was ₹69,351 crore (+17.06%).^[5]
The corporate book grew 46.52% year-on-year to ₹1,12,770 crore in Q1 FY27. Growth was spread across renewable energy, LRD, infrastructure and data centres.^[3]
The gold loan book stood at ₹36,000 crore in Q1 FY27. A dedicated gold loan division reports directly to an Executive Director.^[3]
CASA deposits were ₹2,26,747 crore in Q2 FY27 (provisional), a CASA ratio of 44.70%. Savings deposits crossed ₹2 lakh crore for the first time in FY26.^[1]

Key operating metrics

NIM was 3.06% in Q1 FY27, down 10 bps year-on-year. Yield on advances fell 69 bps to 7.89%.^[4]
Cost of deposits fell 33 bps year-on-year to 4.60% in Q1 FY27. 85% of deposits are below ₹3 crore (retail).^[3]
In Q1 FY27, GNPA was 2.60% (-53 bps YoY), NNPA held at 0.49% and PCR was 95.86%.^[4][3]
In Q1 FY27, the slippage ratio was 0.29% (-6 bps YoY) and credit cost was 0.40% (-28 bps YoY).^[4]
In Q1 FY27, CRAR was 18.28%, CET1 was 16.54% and cost-to-income was 55.40% (+10 bps YoY).^[4]
The CD ratio rose to 74.10% in Q1 FY27 from 64.43% in Q1 FY26.^[4]

Distribution and digital

Under a cluster-based approach as of Q1 FY27, 225 branches are mapped to 11 MSME clusters and 306 branches to 9 agro clusters. An ACE tractor tie-up covers 334 branches.^[4]
The Digital Lending Platform had 37 journeys live across Retail, MSME, Agri and Social segments at FY26 end, with ₹6,679.91 crore of advances outstanding.^[5]
UPI transactions grew to 520.69 crore in FY26 from 362.63 crore in FY25.^[5]
As of Q1 FY27, the bank had opened 35 customer acquisition centres and 9 government business centres, and was deploying 300 newly hired marketing officers.^[3]

Expansion and new initiatives

The GIFT City IFSC Banking Unit was inaugurated on 29 June 2026. Its advances reached USD 845 million by 31 Aug 2026.^[4]
The Board approved a credit card vertical in Q1 FY27. Its launch is anticipated in FY2027-28.^[3][4]
The Board has approved a wealth management division aimed at fee-based and advisory income from HNI customers.^[3]
The bank plans MoUs with all 800+ mapped trade and industry associations to offer customised MSME products.^[4]
The FY27 technology budget is ₹1,442 crore of capex and ₹1,276 crore of revenue expenditure.^[5]
1,000 credit officers were to be deployed at branches with credit potential in the first week of October 2026.^[3]

Capital and ownership

The board approved raising up to ₹7,000 crore of equity through QIP, FPO or rights issue for FY27, against a business growth projection of 14%-15%.^[6]
After the Government's Offer for Sale in May 2026, public shareholding rose from 10.73% to 18.81%. The Government must keep at least 51%.^[6]
Full ECL transition takes effect on 1 April 2027. As of Q1 FY27, the total requirement was revised to ₹4,500-5,000 crore, of which ₹1,525 crore had been provided.^[3]

Recent developments

Provisional Q2 FY27 figures filed on 5 October 2026 showed total business of ₹8,89,621 crore, up 20.55% year-on-year.^[1]
Leadership: Kalyan Kumar became MD & CEO from 30 Sep 2025 and E. Ratan Kumar became ED from 24 Nov 2025. M V Murali Krishna's ED term was extended to 31 Jul 2027.^[6]
The bank paid ₹50,800 lakh for 24.91% of Future Generali India Insurance and 25.18% of Future Generali India Life. As of FY25 the share transfer was pending NCLT direction.^[7]
Insurance associates made losses in Q1 FY27: Generali Central Life lost ₹56.94 crore and Generali Central Insurance lost ₹88.92 crore.^[3]
The bank's sponsored RRBs are being amalgamated with effect from 1 May 2025.^[7]

Market Cap

₹26,104 Cr

High / Low

₹41 / 29

Stock P/E

5.4

Price / Book

0.6

Book Value

₹33

EPS

₹5.0

No. of Shares

905.14 Cr

ROE

11.9%

Sales

₹36,168 Cr

Net Profit

₹4,531 Cr

Promoter holding

81.2%

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Central Bank of India(CENTRALBK)

About

Business segments

Loan book and deposits

Key operating metrics

Distribution and digital

Expansion and new initiatives

Capital and ownership

Recent developments

Signal history

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Verdict

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