Central Bank of India share price
NSE: CENTRALBKBSE: 532885BanksSmall Cap
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
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹26,005 Cr256th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 5.40
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.62
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 2.78%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 12.0%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. For the whole group. Net interest margin in the glossary
- 2.99%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 2.39%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company.
- 0.31%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. For the company alone, not its group: the regulator measures it company by company. Common equity tier 1 ratio in the glossary
- 15.97%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. For the whole group. Return on assets in the glossary
- 0.88%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 41,84,02162.3% 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, ₹ crore1819Retail banking covers all exposures up to ₹7.50 crore; treasury holds the bank's investment portfolio and its foreign exchange and derivatives trading.
Item year to Mar 2026 year to Mar 2025 Retail banking 18,602.38 18,008.85 Treasury 13,556.83 12,619.40 Corporate and wholesale banking 9,831.45 8,536.34 Other banking operations 16.93 10.41 Total 42,007.59 39,175.00
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
Item Sep 2026 Sep 2025 Corporate 1,18,666 83,540 Retail 1,12,299 90,204 MSME (micro, small and medium enterprises) 74,196 63,223 Agriculture 67,778 56,521 - 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
Item Sep 2026 Rural 1,626 Semi-urban 1,389 Metro 819 Urban 788 - 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. Annual report, 9 Jul 2026, page 593
- 2. Exchange filing, 7 Oct 2026, page 5
- 3. Annual report, 9 Jul 2026, page 563
- 4. Annual report, 9 Jul 2026, page 534
- 5. Annual report, 9 Jul 2026, page 620
- 6. Annual report, 9 Jul 2026, page 454
- 7. Annual report, 9 Jul 2026, page 542
- 8. Annual report, 9 Jul 2026, page 539
- 9. Annual report, 9 Jul 2026, page 472
- 10. Annual report, 9 Jul 2026, page 593
- 11. Exchange filing, 5 Jun 2026, page 2
- 12. Annual report, 9 Jul 2026, page 406
- 13. Investor presentation, 17 Oct 2026, page 45
- 14. Earnings call, 19 Oct 2026, page 4
- 15. Investor presentation, 17 Oct 2026, page 11
- 16. Annual report, 9 Jul 2026, page 470
- 17. Exchange filing, 7 Oct 2026, page 4
- 18. Annual report, 9 Jul 2026, page 741
- 19. Annual report, 9 Jul 2026, page 695
- 20. Earnings call, 19 Oct 2026, page 3
- 21. Earnings call, 19 Oct 2026, page 3
- 22. Earnings call, 19 Oct 2026, page 7
- 23. Investor presentation, 17 Oct 2026, page 30
- 24. Investor presentation, 17 Oct 2026, page 32
- 25. Earnings call, 19 Oct 2026, page 14
- 26. Earnings call, 19 Oct 2026, page 4
- 27. Earnings call, 19 Oct 2026, page 9
- 28. Investor presentation, 17 Oct 2026, page 49
- 29. Investor presentation, 17 Oct 2026, page 6
- 30. Annual report, 9 Jul 2026, page 549
- 31. Investor presentation, 17 Oct 2026, page 42
- 32. Annual report, 9 Jul 2026, page 528
- 33. Investor presentation, 17 Oct 2026, page 50
- 34. Earnings call, 19 Oct 2026, page 12
- 35. Earnings call, 19 Oct 2026, page 9
- 36. Earnings call, 19 Oct 2026, page 5
- 37. Earnings call, 19 Oct 2026, page 9
- 38. Exchange filing, 4 Aug 2026, page 1
- 39. Exchange filing, 4 Aug 2026, page 1
- 40. Earnings call, 19 Oct 2026, page 3
- 41. Annual report, 9 Jul 2026, page 547
- 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 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +8.3%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +5.2%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹11,737 Crup 9.92%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹1,469 Crup 10.97%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 9,739 | 10,433 | 10,374 | 10,250 | 10,969 | 10,810 | 10,678 | 11,737 |
| Net profit | 959 | 1,034 | 1,169 | 1,213 | 1,263 | 724 | 1,324 | 1,469 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹42,341 Crup 7.14%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹4,369 Crup 15.41%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 27,537 | 26,658 | 25,052 | 27,199 | 25,897 | 25,770 | 29,626 | 35,434 | 39,520 | 42,341 |
| Net profit | −2,439 | −5,105 | −5,641 | −1,121 | −888 | 1,045 | 1,582 | 2,549 | 3,785 | 4,369 |
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Retail Banking OperationsRetail Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹18,602 Crup 2.48%44.3%
- TREASURY OPERATIONSTREASURY OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹13,557 Crup 7.43%32.3%
- WHOLESALE OPERATIONSWHOLESALE OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹9,831 Crup 14.25%23.4%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹17 Cr0.0%
Valuation
Today, against the company's own history.Central Bank of India PE ratio and valuation
At or below today's level on 0.1% of 1,112 trading days since May 2022.
At or below today's level on 11% of 1,240 trading days over the last 5 years.
At or below today's level on 95% of 2,479 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −22.7% | +15.4% | −36.3% | 3.8% |
| 3 years | +10.7% | – | – | 1.4% |
| 5 years | +14.9% | – | – | 0.9% |
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
- AddedAdded. Funds that held more shares than at the end of the month before.
- 23
- CutCut. Funds that held fewer shares than at the end of the month before.
- 31
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 5
| Fund | |||
|---|---|---|---|
| 9,23,48,616 | 0.49% | ₹281.3 Cr | |
| 3,44,24,604 | 0.21% | ₹104.9 Cr | |
| 3,27,31,429 | 0.93% | ₹99.7 Cr | |
| 1,95,70,025 | 1.52% | ₹59.6 Cr | |
| 1,24,00,347 | 1.52% | ₹37.8 Cr | |
| 71,38,421 | 1.52% | ₹21.7 Cr | |
| 65,71,825 | 1.14% | ₹20.0 Cr | |
| 45,80,491 | 0.53% | ₹14.0 Cr | |
| 36,23,950 | 0.52% | ₹11.0 Cr | |
| 26,39,728 | 0.23% | ₹8.04 Cr |
Promoter and insider buying and selling
Trades made since 31 Oct 2025.Central Bank of India insider trading
- Promoters and promoter group0 purchases, 1 saleNo purchase₹732 CrNetNet. The value bought on the market less the value sold, over the trades whose filers stated a value.−₹732 Cr
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
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1,23,389 | – | 0.71 | +8.2% | – | – | 0.98% | 2.83% | 3.56% | |
| 1,16,580 | 8.82 | 1.34 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.11% | |
| 1,06,616 | 5.23 | 0.83 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.57% | |
| 62,578 | 7.82 | 1.68 | +16.6% | +31.5% | 23.3% | 1.76% | 3.83% | 2.70% | |
| 60,487 | 4.83 | 0.64 | +9.1% | +29.7% | 14.1% | 0.92% | 2.47% | 3.50% | |
| 55,343 | 8.31 | 1.37 | +14.2% | +51.3% | 17.9% | 1.25% | 3.17% | 0.00% | |
| 27,662 | 9.27 | 0.80 | +4.4% | +18.4% | 8.9% | 0.73% | 2.89% | 1.99% | |
| 13,240 | 8.82 | 0.91 | +3.2% | +29.6% | 10.7% | 0.78% | 2.46% | 2.09% |
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
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 8 May 2026 | Interim | ₹0.60 |
| 23 Jan 2026 | Interim | ₹0.20 |
| 27 Oct 2025 | Interim | ₹0.20 |
| 25 Jul 2025 | Interim | ₹0.20 |
| 4 Jul 2025 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹0.19 |
| 23 Jun 2015 | Final | ₹0.50 |
Latest announcements
Routine notices left out.Central Bank of India announcements
Oct 2026
29 Oct · General Updates
26 Oct · General Updates
26 Oct · General Updates
22 Oct · General Updates
21 Oct · General Updates
19 Oct · General Updates
Central Bank of India share price by year
Each calendar year to 2025.Central Bank of India share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 37.40 | −29.8% | 55.34 | 33.86 |
| 2024 | 53.31 | +6.4% | 74.15 | 49.95 |
| 2023 | 50.10 | +55.8% | 52.50 | 22.65 |
| 2022 | 32.15 | +51.3% | 39.75 | 16.45 |
| 2021 | 21.25 | +53.4% | 28.10 | 12.70 |
| 2020 | 13.85 | −22.6% | 20.25 | 10.20 |
| 2019 | 17.90 | −51.2% | 37.25 | 16.75 |
| 2018 | 36.65 | −49.2% | 86.50 | 27.45 |
| 2017 | 72.15 | −13.6% | 120.90 | 72.05 |
| 2016 | 83.50 | +17.4% | 109.65 | 48.85 |
Recent sessions
The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 29 Oct 2026 | 28.90 | 29.37 | 28.79 | 29.22 | 29.11 | 42,21,832 | 42.2% |
| 28 Oct 2026 | 28.91 | 28.99 | 28.56 | 28.93 | 28.74 | 42,10,899 | 44.0% |
| 27 Oct 2026 | 29.00 | 29.52 | 28.81 | 28.91 | 29.17 | 58,46,756 | 47.2% |
| 26 Oct 2026 | 28.66 | 29.24 | 28.26 | 29.09 | 28.80 | 79,63,610 | 36.7% |
| 23 Oct 2026 | 30.07 | 30.13 | 28.61 | 28.83 | 29.01 | 92,24,351 | 49.9% |
| 22 Oct 2026 | 30.32 | 30.36 | 29.90 | 30.01 | 30.10 | 40,55,954 | 48.5% |
| 21 Oct 2026 | 31.20 | 31.25 | 30.37 | 30.43 | 30.68 | 52,24,666 | 46.0% |
| 19 Oct 2026 | 31.57 | 31.90 | 30.90 | 30.97 | 31.21 | 1,14,74,831 | 29.3% |
| 16 Oct 2026 | 30.90 | 31.00 | 30.21 | 30.88 | 30.70 | 37,42,911 | 40.7% |
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-date | Event | Price factor | What happened |
|---|---|---|---|
| 17 Mar 2011 | Rights issue | – | Shareholders were offered new shares. Noted, not adjusted for. |
Company details
- NSE symbol
- CENTRALBK
- BSE code
- 532885
- ISIN
- INE483A01010
- Industry
- Banks
- Website
- www.centralbank.bank.in
- 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