Central Bank of India logo

Central Bank of India share price

NSE: CENTRALBKBSE: 532885BanksSmall Cap

Face value ₹10 · Listed Aug 2007
Last close ₹28.73down ₹0.49 (1.68%)BSE ₹28.72

Share price at the NSE close on 30 Oct 2026. Previous close ₹29.22.

30 Oct: open ₹29.22, high ₹29.22, low ₹28.68

52-week range of traded prices to 30 Oct 2026
₹28.26Low, 26 Oct 2026₹40.92High, 26 Feb 2026
Market cap
₹26,005 Cr256th largest listed
P/E
5.40
P/B
0.62
Dividend yield
2.78%
ROE
12.0%
NIM
2.99%
Gross NPA
2.39%
Net NPA
0.31%
CET1
15.97%
ROA
0.88%
Volume, NSE
41,84,02162.3% delivered

Central Bank of India share price chart

Daily closes since Aug 2007, adjusted for splits and bonuses

−26.9%over a year · Nifty PSU Bank +2.2% · Nifty 500 −8.2%

Results20-session average 57,81,135 shares a day, 42.4% delivered

About Central Bank of India

Central Bank of India is a Mumbai-based public sector bank offering retail banking, corporate banking and treasury operations across India.123 It lends mainly to retail borrowers, farmers and micro, small and medium enterprises (MSMEs), and reaches them through branches, ATMs, business correspondent outlets (agents who offer basic banking where there is no branch) and its Cent eeZ mobile app.415

Its loan products include Cent Grih Lakshmi home loans for women, Cent Go-Green vehicle loans and the Cent Kisan Credit Card for farmers.67 Its savings accounts include Cent Queen for women and Cent Parakram for defence and security personnel.8

Founded by Sorabji Pochkhanawala and incorporated in 1911, Central Bank of India was nationalised in 1969 along with 13 other banks.9102 The Reserve Bank of India placed it under its prompt corrective action framework (curbs on banks with weak finances) in June 2017 and removed it in September 2022.2 The Government of India controls the bank; to meet minimum public shareholding rules (a floor on public holdings), it sold 8.08% of the bank through an offer for sale (a sale of existing shares on the stock exchange) in May 2026, cutting its holding to 81.19% as on 26 May 2026.11 The bank's subsidiaries are Cent Bank Home Finance, a housing finance company, and Cent Bank Financial Services, mainly a trustee business; its associates (companies in which it holds a large minority stake) are the insurers Generali Central Life Insurance and Generali Central Insurance, and Indo Zambia Bank in Zambia.1213

Central Bank of India key points

Results

  • In the quarter to Sep 2026, standalone net interest income (interest earned less paid) was ₹4,146 crore against ₹3,283 crore a year earlier, operating profit (before provisions and tax) rose 27% to ₹2,268 crore, and net profit rose 21% to ₹1,469 crore from ₹1,213 crore.14
  • In the quarter to Sep 2026, standalone return on assets (profit as a share of assets) was 1.03%, net interest margin (interest income less interest cost, as a share of earning assets) 3.01%, and the cost-to-income ratio (operating costs as a share of income) 58.95%.15
  • In the year to Mar 2026, standalone net profit rose 15.43% to ₹4,369 crore from ₹3,785 crore, after a one-time charge of ₹632 crore when the bank remeasured its deferred tax assets (tax savings it expects to use in later years).1617

Business segments

  • Revenue by business segment, consolidated, ₹ crore1819
    Itemyear to Mar 2026year to Mar 2025
    Retail banking18,602.3818,008.85
    Treasury13,556.8312,619.40
    Corporate and wholesale banking9,831.458,536.34
    Other banking operations16.9310.41
    Total42,007.5939,175.00
    Retail banking covers all exposures up to ₹7.50 crore; treasury holds the bank's investment portfolio and its foreign exchange and derivatives trading.

Loan book and deposits

  • At the end of Sep 2026, global advances were ₹3,81,032 crore, up 29.83% year on year, and domestic deposits ₹5,08,509 crore, up 14.41%.20
  • Current and savings account deposits (CASA, on which the bank pays little or no interest) were ₹2,26,774 crore at the end of Sep 2026, up 9.23%, and 44.65% of total deposits.2122
  • Domestic advances by sector, ₹ crore23
    ItemSep 2026Sep 2025
    Corporate1,18,66683,540
    Retail1,12,29990,204
    MSME (micro, small and medium enterprises)74,19663,223
    Agriculture67,77856,521
  • At the end of Sep 2026, home loans were ₹62,259 crore, 55.44% of retail advances and up 13.07% year on year; on its earnings call, the bank put its gold loan book at ₹41,000 crore.2425

Asset quality

  • At the end of Sep 2026, gross non-performing assets (NPAs, loans that have stopped being repaid) were 2.39% of advances and net NPAs (after provisions) 0.31%; the provision coverage ratio (provisions held against bad loans) was 97.16%.26
  • In the quarter to Sep 2026, the bank recovered ₹485 crore from loans it had already written off (removed from its books); the pool of written-off accounts stood at ₹31,301 crore.27

Branches and reach

  • At the end of Sep 2026, the bank had 4,623 branches, 3,820 ATMs and 13,752 business correspondent outlets, with 22,215 customer touch points in all.28
  • Domestic branches by type of centre28
    ItemSep 2026
    Rural1,626
    Semi-urban1,389
    Metro819
    Urban788
  • At the end of Sep 2026, the bank had 8.42 crore active customers and 35,195 staff.29
  • In the year to Mar 2026, the share of digital transactions through alternate delivery channels (channels other than branches) reached 90.54%; by Sep 2026, the Cent eeZ app had onboarded 53.26 lakh customers.3031

Customers and partners

  • The bank lends jointly with 36 non-bank lenders and housing finance companies (co-lending); it sanctioned ₹7,296.02 crore of such loans in the year to Mar 2026, and the co-lending book was ₹14,379.58 crore at its end.32

What the company expects

  • In its presentation of 17 Oct 2026, the company said its guidance for the year to Mar 2027 is business growth of 14% to 15%, deposit growth of 10% to 12% and advances growth of 14% to 16%.33
  • In its presentation of 17 Oct 2026, the company said its targets for the year to Mar 2027 include a net interest margin above 3%, gross NPAs below 2.50%, return on assets of 1% or more and a cost-to-income ratio below 56%.33
  • On its earnings call of 19 Oct 2026, the company said moving to expected credit loss provisioning (setting money aside for likely future loan losses) from 1 Apr 2027 may need ₹5,000 crore to ₹5,500 crore, of which ₹1,525 crore is already provided.3435
  • On its earnings call of 19 Oct 2026, the company said it plans to open and customise 116 gold loan branches, and that it expects to recover more than ₹2,500 crore from written-off loans in the year to Mar 2027.3637

Recent events

  • On 4 Aug 2026, CRISIL Ratings upgraded its rating of the bank's corporate credit (ability to repay debt) and Tier II bonds (debt ranking below deposits) to AA+/Stable from AA/Stable.3839
  • On 29 Jun 2026, the bank opened its unit in GIFT City, Gandhinagar (India's international financial services centre), which held ₹8,093 crore of overseas advances at the end of Sep 2026.4041
  • On 3 Mar 2026, the Competition Commission of India approved the bank's purchase of 1.09% more of Generali Central Insurance and 0.82% more of Generali Central Life Insurance.42

Last updated

All 42 sources, each with its page
  1. 1. Annual report, 9 Jul 2026, page 593
  2. 2. Exchange filing, 7 Oct 2026, page 5
  3. 3. Annual report, 9 Jul 2026, page 563
  4. 4. Annual report, 9 Jul 2026, page 534
  5. 5. Annual report, 9 Jul 2026, page 620
  6. 6. Annual report, 9 Jul 2026, page 454
  7. 7. Annual report, 9 Jul 2026, page 542
  8. 8. Annual report, 9 Jul 2026, page 539
  9. 9. Annual report, 9 Jul 2026, page 472
  10. 10. Annual report, 9 Jul 2026, page 593
  11. 11. Exchange filing, 5 Jun 2026, page 2
  12. 12. Annual report, 9 Jul 2026, page 406
  13. 13. Investor presentation, 17 Oct 2026, page 45
  14. 14. Earnings call, 19 Oct 2026, page 4
  15. 15. Investor presentation, 17 Oct 2026, page 11
  16. 16. Annual report, 9 Jul 2026, page 470
  17. 17. Exchange filing, 7 Oct 2026, page 4
  18. 18. Annual report, 9 Jul 2026, page 741
  19. 19. Annual report, 9 Jul 2026, page 695
  20. 20. Earnings call, 19 Oct 2026, page 3
  21. 21. Earnings call, 19 Oct 2026, page 3
  22. 22. Earnings call, 19 Oct 2026, page 7
  23. 23. Investor presentation, 17 Oct 2026, page 30
  24. 24. Investor presentation, 17 Oct 2026, page 32
  25. 25. Earnings call, 19 Oct 2026, page 14
  26. 26. Earnings call, 19 Oct 2026, page 4
  27. 27. Earnings call, 19 Oct 2026, page 9
  28. 28. Investor presentation, 17 Oct 2026, page 49
  29. 29. Investor presentation, 17 Oct 2026, page 6
  30. 30. Annual report, 9 Jul 2026, page 549
  31. 31. Investor presentation, 17 Oct 2026, page 42
  32. 32. Annual report, 9 Jul 2026, page 528
  33. 33. Investor presentation, 17 Oct 2026, page 50
  34. 34. Earnings call, 19 Oct 2026, page 12
  35. 35. Earnings call, 19 Oct 2026, page 9
  36. 36. Earnings call, 19 Oct 2026, page 5
  37. 37. Earnings call, 19 Oct 2026, page 9
  38. 38. Exchange filing, 4 Aug 2026, page 1
  39. 39. Exchange filing, 4 Aug 2026, page 1
  40. 40. Earnings call, 19 Oct 2026, page 3
  41. 41. Annual report, 9 Jul 2026, page 547
  42. 42. Exchange filing, 4 Mar 2026, page 1

Results

Standalone, as consolidated accounts are on record for only 9 of the last ten years; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.Central Bank of India quarterly results

Total income growth, 12 months
+8.3%
Net profit growth, 12 months
+5.2%

Quarter to Sep 2026, against the quarter before

Total income
₹11,737 Crup 9.92%
Net profit
₹1,469 Crup 10.97%

Total income by quarter

₹9,739 CrDec 24₹10,433 CrMar 25₹10,374 CrJun 25₹10,250 CrSep 25₹10,969 CrDec 25₹10,810 CrMar 26₹10,678 CrJun 26₹11,737 CrSep 26
Peak total income ₹11,737 Cr, quarter to Sep 2026; lowest ₹9,739 Cr, quarter to Dec 2024

Net profit by quarter, a loss in red

₹959 CrDec 24₹1,034 CrMar 25₹1,169 CrJun 25₹1,213 CrSep 25₹1,263 CrDec 25₹724 CrMar 26₹1,324 CrJun 26₹1,469 CrSep 26
₹ croreDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Total income9,73910,43310,37410,25010,96910,81010,67811,737
Net profit9591,0341,1691,2131,2637241,3241,469
Standalone. The last eight quarters. The latest is shaded.

Business segments

Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit

  • Retail Banking Operations₹18,602 Crup 2.48%44.3%
  • TREASURY OPERATIONS₹13,557 Crup 7.43%32.3%
  • WHOLESALE OPERATIONS₹9,831 Crup 14.25%23.4%
  • Other Banking Operations₹17 Cr0.0%
The pill is the change in revenue on the year before; the share is of all the businesses together.

Valuation

Today, against the company's own history.Central Bank of India PE ratio and valuation

Price to earnings

At or below today's level on 0.1% of 1,112 trading days since May 2022.

LowestHighest
Its median12.09Industry median8.06
Price to book

At or below today's level on 11% of 1,240 trading days over the last 5 years.

LowestHighest
Its median0.89Industry median0.91
Dividend yield

At or below today's level on 95% of 2,479 trading days over the last 10 years.

LowestHighest
Its median0.00%Industry median2.57%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend yield
1 year−22.7%+15.4%−36.3%3.8%
3 years+10.7%––1.4%
5 years+14.9%––0.9%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth and the change in P/E are left empty where earnings per share at either end of the window was a loss or is not on record. Earnings growth over 1 year is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.Central Bank of India shareholding pattern

Shareholding by group

  • Promoters81.19%
  • Foreign institutions1.29%
  • Indian institutions10.62%
  • Individuals and others6.91%
Holder
President of IndiaPromoter81.19%
Life Insurance Corporation of IndiaInsurance companies6.44%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters unchanged, foreign institutions +0.36 pts, Indian institutions −0.32 pts, mutual funds −0.08 pts.

Mutual fund holdings

59 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 54 of the 54 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 59 funds holding Central Bank of India

Added
23
Cut
31
Held unchanged
5
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

Promoter and insider buying and selling

Trades made since 31 Oct 2025.Central Bank of India insider trading

Bought on the market Sold on the market
  • Promoters and promoter group0 purchases, 1 saleNo purchase₹732 CrNet−₹732 Cr
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.

Central Bank of India competitors and peers

Public Sector Bank, 12 listed companies, priced on 30 Oct 2026. The table lists the 8 companies closest to Central Bank of India in market cap.Finance companies

Where the company sits among the companies nearest its size

Return on equity across, P/E up, size is market cap
Company
Bank of Baroda logoBank of BarodaBANKBARODA1,23,389–0.71+8.2%––0.98%2.83%3.56%
Indian Bank logoIndian BankINDIANB1,16,5808.821.34+12.4%+17.2%16.1%1.25%3.07%2.11%
Canara Bank logoCanara BankCANBK1,06,6165.230.83−6.8%+17.7%16.8%0.99%2.21%3.57%
Bank of Maharashtra logoBank of MaharashtraMAHABANK62,5787.821.68+16.6%+31.5%23.3%1.76%3.83%2.70%
Bank of India logoBank of IndiaBANKINDIA60,4874.830.64+9.1%+29.7%14.1%0.92%2.47%3.50%
Indian Overseas Bank logoIndian Overseas BankIOB55,3438.311.37+14.2%+51.3%17.9%1.25%3.17%0.00%
UCO Bank logoUCO BankUCOBANK27,6629.270.80+4.4%+18.4%8.9%0.73%2.89%1.99%
Punjab & Sind Bank logoPunjab & Sind BankPSB13,2408.820.91+3.2%+29.6%10.7%0.78%2.46%2.09%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

Dividends

Per share, by the year it was paid for, and the latest payments.Central Bank of India dividend history

Dividend per share, ₹, restated for later splits and bonuses

Mar 17Mar 18Mar 19Mar 20Mar 21Mar 22Mar 23Mar 240.2Mar 251.2Mar 26
Highest ₹1.20 a share, year to Mar 2026.
Ex-dateTypePer share
8 May 2026Interim₹0.60
23 Jan 2026Interim₹0.20
27 Oct 2025Interim₹0.20
25 Jul 2025Interim₹0.20
4 Jul 2025Final₹0.19
23 Jun 2015Final₹0.50
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.Central Bank of India announcements

Central Bank of India share price by year

Each calendar year to 2025.Central Bank of India share price history

YearClose at year endChangeHighest closeLowest close
202537.40−29.8%55.3433.86
202453.31+6.4%74.1549.95
202350.10+55.8%52.5022.65
202232.15+51.3%39.7516.45
202121.25+53.4%28.1012.70
202013.85−22.6%20.2510.20
201917.90−51.2%37.2516.75
201836.65−49.2%86.5027.45
201772.15−13.6%120.9072.05
201683.50+17.4%109.6548.85
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.

Recent sessions

The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
29 Oct 202628.9029.3728.7929.2229.1142,21,83242.2%
28 Oct 202628.9128.9928.5628.9328.7442,10,89944.0%
27 Oct 202629.0029.5228.8128.9129.1758,46,75647.2%
26 Oct 202628.6629.2428.2629.0928.8079,63,61036.7%
23 Oct 202630.0730.1328.6128.8329.0192,24,35149.9%
22 Oct 202630.3230.3629.9030.0130.1040,55,95448.5%
21 Oct 202631.2031.2530.3730.4330.6852,24,66646.0%
19 Oct 202631.5731.9030.9030.9731.211,14,74,83129.3%
16 Oct 202630.9031.0030.2130.8830.7037,42,91140.7%
Prices in ₹ per share as traded, not adjusted.

Price adjustments

What the price chart is corrected for, so it reads as one share held throughout.Rights issue and offer for sale history

Ex-dateEventPrice factorWhat happened
17 Mar 2011Rights issue–Shareholders were offered new shares. Noted, not adjusted for.
Each event is noted and not adjusted for.

Company details

Chairperson and managing director and CEO
KALYAN KUMAR
At the end of the quarter to Sep 2026
NSE symbol
CENTRALBK
BSE code
532885
ISIN
INE483A01010
Industry
Banks
Registered office
Chandermukhi Building, 9th Floor, Nariman Point, Mumbai 400021, Maharashtra
Share registrar
MUFG Intime India Pvt. Ltd
Keeps the register of shareholders and handles transfers and dividend payments