Bank of India(BANKINDIA)

NSE: BANKINDIABSE: 532149

₹ 131.05-3.71%refreshed 23 Oct, 03:30 pm ISTMarket cap: ₹ 59,663 crWebsite: www.bankofindia.comUpdated: 24 Oct 2026

About

Bank of India is an Indian public sector bank offering retail, wholesale and treasury banking across domestic and international markets. It operates 5,511 domestic branches and more than 38,000 customer touchpoints, with 22 overseas branches across 15 countries. Gross advances stood at Rs 7,71,391 Cr as of 31.03.2026, and the bank reported FY26 revenue of Rs 75,613.28 Cr.^[1][2][3]

Business segments

Retail Banking Operations made up 38.4% of segment revenue in FY26 (Rs 32,910.75 Cr).^[4]
Wholesale Banking Operations made up 34.5% of segment revenue in FY26 (Rs 29,533.63 Cr).^[4]
Treasury Operations made up 27.1% of segment revenue in FY26 (Rs 23,231.75 Cr).^[4]

Loan book mix and deposits

Global gross advances grew 18.64% YoY to Rs.7.98 lakh crore in Q1 FY27; domestic advances grew 19.20% YoY.^[1]
Gross advances were Rs 7,71,391 Cr as of 31.03.2026, up 15.82% YoY, vs Rs 6,66,047 Cr as of 31.03.2025.^[2][5]
RAM (Retail, Agriculture, MSME) advances grew 19.75% YoY to Rs.3.93 lakh crore in Q1 FY27, making up 58.30% of domestic advances.^[1]
Retail credit grew 21.19% to Rs 1,62,025 Cr in FY26, vs Rs 1,33,699 crore in FY25.^[2][5]
CASA ratio was 37.64% at FY26 vs 40.28% at FY25, and 36.68% in Q1 FY27. Term deposits grew 19.92% in FY26.^[2][5][6]
The international book crossed Rs.2.56 lakh crore in Q1 FY27; trade finance accounts for 32% of the international loan book.^[1]
Personal loans were deliberately held to 3% YoY growth (Rs.13,068 crore in Q1 FY27), with lending limited to salary-account customers with NACH mandates.^[1]

Gold loan book

The gold loan book stood at ~Rs.57,000 crore as of 30 June 2026, up ~52% YoY, with a yield of ~9.10% and NPA below Rs.100 crore.^[1]
Gold loans rose by Rs 18,070 Cr to Rs 53,409 Cr in FY26, vs Rs 35,339 crore at FY25.^[2][5]
LTV on fresh gold loans was tightened to 75% (from 85 - 90%) in Q3 FY26.^[7]

Key operating metrics

Global NIM was 2.52% in Q1 FY27 vs 2.55% in Q1 FY26; FY27 guidance is 2.55 - 2.60%.^[1]
GNPA was 1.81% in Q1 FY27 (improved 111 bps YoY); NNPA was 0.51% (improved 24 bps YoY).^[1]
PCR was 93.83% in Q1 FY27 vs 92.94% a year earlier.^[1]
Slippage ratio was 0.24% in Q1 FY27 vs 0.33% in Q1 FY26; credit cost was 0.15% vs 0.17%.^[1]
CRAR was 18.69% in Q1 FY27 vs 17.39%; cost-to-income ratio was 46.33% vs 51.31%.^[1]
ROA was 1.01% in Q1 FY27 vs 0.82% a year earlier.^[1]
SMA (Rs.5 crore+) was Rs.4,097 crore (0.52% of standard advances) in Q1 FY27 vs Rs.7,021 crore (1.08%) a year earlier.^[1]
Business per employee was Rs.3,343 lakh in FY26 vs Rs.2,919 lakh in FY25.^[6]

Branch network and reach

The bank added 207 domestic branches in FY26, reaching 5,511; 200+ new branches are planned for FY27.^[6]
Overseas, the bank has 22 branches, a representative office in Jakarta, 4 subsidiaries and 1 joint venture across 15 countries; foreign operations were 14.36% of global business at 31.03.2026.^[2]
164 Star Krishi Vikas Kendras run in 63 zones and are linked to 3,629 branches; 206 Authorized Dealer branches handle foreign exchange (FY26).^[2]
20 Emerging Corporate Credit Branches serving mid-corporates were operational in FY26, after 10 new ones were set up in FY25.^[2][5]
BOI Services Ltd originated Rs.7,500 crore of RAM loans through DSA feet-on-street in FY26.^[6]

Customers and products

In FY26, 6.90 lakh self-help groups banked with the bank, 3.57 lakh of them credit-linked; it had 2.96 crore PMJDY accounts and supported over 21 lakh farmers through Kisan Credit Cards.^[2]
60,990 new high-net-worth savings customers were added in FY26.^[2]
New MSME loan products in FY26 included Star Gurukul Loan, BOI STAR Professional Loan, Star Gig Grow Loan and STAR DIGI BIZ Loan.^[2]
Digital loan sanctions reached Rs.32,064 crore (+36% YoY) in Q1 FY27; 22% of the domestic credit book is digitally sanctioned.^[1]

Subsidiaries and associates

Overseas subsidiaries are PT Bank of India Indonesia Tbk and Bank of India in Tanzania, New Zealand and Uganda, plus the Indo-Zambia Bank joint venture.^[2]
The bank holds 27.48% of Star Union Dai-Ichi Life Insurance, and with 29.96% it is the largest shareholder in the NBFC STCI Finance.^[2]
Wholly owned BOI Services acts as a depository participant for NSDL and CDSL; BOI Merchant Bankers arranges syndicated loans, bonds and debentures.^[2]

Capital raising and targets

The board has approved raising Rs.2,500 crore in AT1 bonds and Rs.5,000 crore in Tier-II bonds in FY27.^[1]
The bank targets raising ~$4.2 billion in foreign currency by 31 December 2026 via FCNR(B), OFCB/MTN and ECB.^[1]
The bank targets a RAM mix of 62% of domestic advances by March 2029 and global advances of ~Rs.11 lakh crore by FY29.^[6]

Recent developments

On 12 Oct 2026, the bank reported to the RBI and the exchanges a fraud on a Rs. 575.40 crore NPA account linked to Future Enterprise Ltd.^[8]

Market Cap

₹59,663 Cr

High / Low

₹178 / 127

Stock P/E

5.1

Price / Book

0.7

Book Value

₹188

EPS

₹22.6

No. of Shares

455.27 Cr

ROE

12.1%

Sales

₹75,613 Cr

Net Profit

₹10,309 Cr

Promoter holding

73.4%

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Bank of India(BANKINDIA)

About

Business segments

Loan book mix and deposits

Gold loan book

Key operating metrics

Branch network and reach

Customers and products

Subsidiaries and associates

Capital raising and targets

Recent developments

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