| ₹ crore | Q2 FY27 | Q2 FY26 | Change |
|---|---|---|---|
| Total income | 11,774 | 10,284 | +14.5% |
| Net interest income | 4,167 | 3,301 | +26.3% |
| Operating profit | 2,279 | 1,795 | +27.0% |
| Net profit | 1,475 | 1,220 | +21.0% |
| EPS | ₹1.64 | ₹1.36 | +20.6% |
Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.
| Tap a line for its trend | Currentlast 12M | FY26Mar 2026 | FY25Mar 2025 | FY24Mar 2024 | FY23Mar 2023 | FY22 and earlierAlpha Plus |
|---|
| 26,186 | — | — | — | — | FY22 and earlierEvery year the company has filed comes with Alpha Plus. | |
| 38,888 | 36,168 | 33,797 | 30,849 | 25,657 | ||
| — | +7.0% | +9.6% | +20.2% | — | ||
| 15,639 | 14,242 | 13,968 | 12,967 | — | ||
| — | +2.0% | +7.7% | — | — | ||
| 2.8% | 2.8% | 3.0% | 2.9% | — | ||
| 8,887 | 8,522 | 8,175 | 7,405 | 6,926 | ||
| 4,808 | 4,484 | 3,818 | 2,576 | 1,609 | ||
| — | +17.4% | +48.2% | +60.1% | — | ||
| ₹5.32 | ₹5.00 | ₹4.35 | ₹2.95 | ₹1.85 | ||
| — | +15.0% | +47.5% | +58.9% | — | ||
| 11.9% | 11.9% | 11.4% | 8.2% | — | ||
Balance sheet & asset quality | ||||||
| 5,08,863 | 4,68,444 | 4,13,271 | 3,85,541 | — | ||
| 3,74,377 | 3,38,209 | 2,83,505 | 2,44,399 | — | ||
| — | 2.7% | 3.2% | 4.5% | — | ||
| — | 0.5% | 0.6% | 1.2% | — | ||
From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY23 31/03/2023 | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Current/LTM TTM · last close | |
|---|---|---|---|---|---|---|
| Market Capitalization | — | — | — | — | 26,185.7 | |
| Interest Earned | 25,657.1 | 30,848.9 | 33,797.4 | 36,167.7 | 38,887.6 | |
| Growth %, YoY | — | +20.2 | +9.6 | +7.0 | — | |
| Net Interest Income | — | 12,966.6 | 13,967.8 | 14,241.7 | 15,638.7 | |
| Growth %, YoY | — | — | +7.7 | +2.0 | — | |
| NIM %, on assets | — | 2.90 | 3.01 | 2.76 | 2.76 | |
| Operating Profit (PPOP) | 6,926.5 | 7,404.7 | 8,175.1 | 8,522.2 | 8,886.9 | |
| Net Income | 1,609.3 | 2,576.0 | 3,817.8 | 4,483.5 | 4,807.6 | |
| Growth %, YoY | — | +60.1 | +48.2 | +17.4 | — | |
| EPS, Adj (current shares) | 1.85 | 2.95 | 4.35 | 5.00 | 5.32 | |
| Growth %, YoY | — | +58.9 | +47.5 | +15.0 | — | |
| ROE % | — | 8.24 | 11.36 | 11.92 | 11.92 | |
| Balance Sheet & Asset Quality | ||||||
| Deposits | — | 3,85,540.8 | 4,13,271.0 | 4,68,444.0 | 5,08,862.6 | |
| Advances | — | 2,44,399.3 | 2,83,505.4 | 3,38,208.6 | 3,74,377.4 | |
| Gross NPA % | — | 4.50 | 3.18 | 2.67 | — | |
| Net NPA % | — | 1.23 | 0.55 | 0.49 | — | |
Prices at the 29 October 2026 close · figures from the company's filings with NSE
Central Bank of India (NSE: CENTRALBK) had a market capitalisation of ₹26,448 crore at the 29 October 2026 close (₹29.22 a share), a PE ratio of 5.5 on the last four quarters' profit and a price-to-book ratio of 0.64. In FY26 its standalone net profit was ₹4,369 crore on net interest income of ₹14,170 crore; in Q2 FY27 (July–September 2026) it was ₹1,469 crore, up 21.1% year on year. Gross NPAs were 2.39% of advances on 30 September 2026. Promoters held 81.19% of the shares on 30 September 2026.
Central Bank of India's PE ratio is 5.5 at the 29 October 2026 close (₹29.22 a share): a market capitalisation of ₹26,448 crore divided by consolidated net profit attributable to shareholders of ₹4,819 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit attributable to shareholders (₹4,524 crore) it is 5.8.
Central Bank of India's price-to-book (PB) ratio is 0.64 at the 29 October 2026 close: a market capitalisation of ₹26,448 crore divided by shareholders' equity (book value) of ₹41,639 crore on 30 September 2026. That is a book value of ₹46.00 per share against a share price of ₹29.22.
Central Bank of India's net worth — shareholders' equity in its consolidated balance sheet — was ₹41,639 crore on 30 September 2026, up 8.1% from ₹38,535 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹26,448 crore at the 29 October 2026 close.
Central Bank of India's market capitalisation was ₹26,448 crore at the 29 October 2026 close: 905.14 crore shares at ₹29.22 each.
In FY26, Central Bank of India's return on equity (ROE) was 11.9%. ROE is net profit attributable to shareholders divided by average shareholders' equity (the start and end of the year). In FY25, ROE was 11.4%.
Central Bank of India's common equity tier 1 (CET1) ratio was 15.97% on 30 September 2026.
Central Bank of India's book value per share was ₹46.00 on 30 September 2026: shareholders' equity of ₹41,639 crore divided by the 905.14 crore shares in issue, up 8.1% from ₹42.57 a year earlier. The share price at the 29 October 2026 close was ₹29.22.
On 30 September 2026, Central Bank of India's deposits were ₹5,08,509 crore, up 14.4% from a year earlier, and its advances (loans) were ₹3,73,070 crore, up 30.4% from a year earlier.
Central Bank of India's dividend yield is 2.74% at the 29 October 2026 close: dividends of ₹0.80 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹29.22. They were ₹0.60 on 8 May 2026 (interim) and ₹0.20 on 23 January 2026 (interim).
Central Bank of India's basic earnings per share (EPS) were ₹5.00 in FY26, against ₹4.53 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹5.32.
Central Bank of India's gross non-performing assets (NPAs) were ₹9,109 crore, 2.39% of gross advances, on 30 September 2026 (3.01% a year earlier). Net NPAs were 0.31% of net advances (0.48% a year earlier).
Central Bank of India's credit-deposit ratio was 73.4% on 30 September 2026: advances divided by deposits, from its standalone balance sheet.
In 2026, Central Bank of India has declared two dividends totalling ₹0.80 a share: ₹0.20 (interim) with record date 23 January 2026 and ₹0.60 (interim) with record date 8 May 2026.
Promoters held 81.19% of Central Bank of India on 30 September 2026, unchanged from the previous quarter and down 8.08 percentage points from 89.27% a year earlier, according to the shareholding pattern filed with NSE.
Central Bank of India's latest results are for Q2 FY27 (July–September 2026), filed on 17 October 2026: standalone net profit ₹1,469 crore, up 21.1% from ₹1,213 crore in Q2 FY26; net interest income ₹4,145 crore, up 26.3% year on year.
On 30 September 2026, Central Bank of India's shares were held by promoters 81.19%, foreign portfolio investors (FII/FPI) 1.29%, domestic institutions (DII) 10.62% (including mutual funds at 2.51%) and retail and other non-institutional investors 6.91%. Over the year, FII holding was up 0.42 percentage points from 0.87% and DII holding was up 5.75 percentage points from 4.87%.
At the 29 October 2026 closing prices, on FY26 net profit attributable to shareholders, Central Bank of India's PE ratio is 5.8, the lowest of the four: UCO Bank 10.0, Indian Overseas Bank (IOB) 10.4 and Bank of Maharashtra 8.9, a peer average of 9.8. Each is the company's market capitalisation at that price divided by its FY26 net profit.
In FY26, Central Bank of India earned net profit attributable to shareholders of ₹4,524 crore, against ₹2,768 crore for UCO Bank. Central Bank of India's return on equity was 11.9% (UCO Bank 8.6%) and its gross NPA ratio 0.03% (UCO Bank 2.17%). At the 29 October 2026 close, Central Bank of India's market capitalisation was ₹26,448 crore against ₹27,800 crore for UCO Bank, and its PE ratio on FY26 profit 5.8 against 10.0.
In FY26 (April 2025–March 2026), Central Bank of India's standalone net profit was ₹4,369 crore, up 15.4% from ₹3,785 crore in FY25, on net interest income of ₹14,170 crore (up 2.0%). Over three years, from FY23, net profit was up 176.1%.
Central Bank of India has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.
On FY26 consolidated figures, against UCO Bank, Indian Overseas Bank (IOB) and Bank of Maharashtra: Central Bank of India's return on equity of 11.9% is the third highest of the four (UCO Bank 8.6%, Indian Overseas Bank (IOB) 15.7%, Bank of Maharashtra 22.7%; peer average 15.6%); its return on assets of 0.87% is the third highest of the four (UCO Bank 0.73%, Indian Overseas Bank (IOB) 1.20%, Bank of Maharashtra 1.76%; peer average 1.23%); its gross NPA ratio of 0.03% is the lowest of the four (UCO Bank 2.17%, Indian Overseas Bank (IOB) 1.42%, Bank of Maharashtra 1.45%; peer average 1.68%).
From Central Bank of India's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.
Consolidated figures from the company's filings with NSE; prices are NSE closing prices.