IDBI Bank Ltd(IDBI)

NSE: IDBIBSE: 500116

₹ 76.49-4.17%refreshed 23 Oct, 03:50 pm ISTMarket cap: ₹ 82,245 crWebsite: www.idbibank.inUpdated: 24 Oct 2026

About

IDBI Bank Ltd. is a universal bank headquartered in Mumbai that serves individuals, farmers, micro and small businesses, and medium and large corporates across India. LIC acquired a majority stake in IDBI Bank in January 2019, and the bank is an active Primary Dealer in the G-Sec market. In FY26 the bank reported revenue of 29019.59 crore and profit after tax of 9236.62 crore.^[1]

Business segments

Retail Banking made up 58.4% of segment revenue in FY26 (Rs 35030.6 Cr). Its share fell 8.4 percentage points over FY2019-FY2026.^[2]
Treasury made up 26.2% of segment revenue in FY26 (Rs 15701.12 Cr). Its share rose 25.2 percentage points over FY2019-FY2026.^[2]
Corporate/Wholesale Banking made up 14.5% of segment revenue in FY26 (Rs 8709.29 Cr). Its share fell 17.0 percentage points over FY2019-FY2026.^[2]

Branch and ATM network

As at end-March 2025, the bank had 2,128 branches: 509 metro, 509 urban, 651 semi-urban and 434 rural (including 267 Financial Inclusion branches), plus one IBU at GIFT City, Gandhinagar.^[3]
It had 3,120 ATMs in India as at end-March 2025, compared with 2,004 branches and 3,303 ATMs at March 2024.^[3][4]
In FY2024-25 the bank opened over 100 new branches and 24 Fixed BC outlets (IDBI Sameep) across India.^[3]
The bank operates in 35 states/union territories and has one international location (IBU at GIFT City), with 256 offices in India.^[3]

Products and services

Retail loans include Housing Loan, Loan Against Property, Auto Loan, Personal Loan, Education Loan, Solar Roof-Top finance and Loan Against Securities.^[3]
Credit cards include RuPay Winnings Select, Visa Royale Signature, Aspire Platinum, Imperium Platinum, Mastercard Euphoria World, and the co-branded LIC Cards Services Ltd. RuPay cards (Eclat and Lumine).^[3]
The bank distributes life and general insurance, mutual funds, NPS and GoI Bonds, and holds the top position in the bancassurance channel.^[3]
Corporate banking has two groups. The Large Corporate Group works from seven locations and serves corporates with turnover above ₹1,000 crore. The Mid Corporate Group works from 24 branches and four regions.^[3]

Lending focus

In FY25 the bank was growing its granular retail and priority sector loans while keeping a well-rated corporate book. All major retail products grew at double digits.^[3]
In FY24 the bank set up a specialised Project Appraisal Cell at its Head Office to handle large project finance.^[4]

Digital and trade finance

Overall digital transactions grew 28% and UPI transactions grew 33% in FY25. In FY24, overall digital transactions grew 37% and UPI 38%.^[3][4]
Digital channels include Mobile Banking, Internet Banking, WhatsApp Banking, UPI, cards, PoS terminals, Internet Payment Gateway and ATMs.^[3]
The bank has 38 dedicated Trade Finance centres and Centralised Trade Processing Centres at Mumbai, Chennai and Delhi.^[3]
It has correspondent banking arrangements with about 614 banks and Nostro accounts in 11 currencies, and handles remittances in 120 currencies.^[3]

New products launched in FY25

In FY2024-25 the bank launched the 'IDBI Advantage Savings Accounts', 'Utsav Fixed Deposits' and 'Chiranjeevi Super Senior Citizen Fixed Deposits'.^[3]
It introduced 'IDBI Mahila Sashaktikaran Rin' for women-owned nano and small enterprises.^[3]
It launched an MSME factoring product on the TReDS platform.^[3]

Government and regulatory mandates

The bank is authorised as a Primary Dealer in the G-Sec market.^[3]
It collects taxes for 14 state governments and two union territories, collects stamp duty in Maharashtra, and pays Central Civil, Defence and Railway pensions.^[3]
The bank is live on the CBDC platform and was among the pilot banks for GeM Sahay on OCEN.^[3]
It was among the first banks live on NPCI Secure NXT, which lets customers make international e-commerce payments with RuPay cards.^[3]

Capital raising

The Board approved raising up to ₹10,000 crore through Non-Convertible Bonds for Infrastructure and Affordable Housing by private placement.^[3]

Market Cap

₹82,245 Cr

High / Low

₹118 / 61

Stock P/E

10.3

Price / Book

1.2

Book Value

₹54

EPS

₹8.6

No. of Shares

1,075.24 Cr

ROE

14.1%

Sales

₹29,020 Cr

Net Profit

₹9,237 Cr

Promoter holding

94.7%

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Signal history

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IDBI Bank Ltd(IDBI)

About

Business segments

Branch and ATM network

Products and services

Lending focus

Digital and trade finance

New products launched in FY25

Government and regulatory mandates

Capital raising

Signal history

The analysis Screener can't give you

AI Deep Dive

Verdict

Company data

Product Segments

Corporate Actions