CENTRALBK · NSE · Public Sector Bank
Central Bank of India
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Small Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
cheap
low confidence
No valuation within 120 days; P/E 6.0 vs peers 7.6 (3rd of 11); P/B 0.82 vs peers 1.0 (2nd of 11).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model
What is Central Bank of India's share price today?
Central Bank of India last traded at ₹30.07 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, down 20.4% over a year. Its 52-week range is ₹29 to ₹41. The live price is in the app.
₹30.07
−0.1% today
−20.4% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range6% of the way up
Low ₹29High ₹41
What is Central Bank of India's market cap?
Central Bank of India's market capitalisation is about ₹27,245 crore: what it would cost to buy every share at today's price. That makes it the 52nd largest small cap company we cover.
₹27,245 Cr
Small Cap52nd largest small cap company
Share price₹30.07
×
Shares in issue906 crore
=
Market cap₹27,245 Cr
Small Cap means the companies ranked 251 and below by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: CENTRALBK
- ISIN
- INE483A01010
- Cap bucket
- Small Cap, 52nd largest by market cap
- Industry (NSE)
- Financial Services › Banks › Public Sector Bank
- Listed since
- 2007
- Futures and options
- Not traded
Is Central Bank of India overvalued?
Cheap, with low confidence: no valuation within 120 days; P/E 6.0 vs peers 7.6 (3rd of 11); P/B 0.82 vs peers 1.0 (2nd of 11).
Valuation
Latest price and trailing 12 months
P/E
5.97
vs peers 7.6 · 3rd of 11
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
0.82
vs peers 1.0 · 2nd of 11
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹27,245 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
5.7%
vs peers 3.0% · 1st of 8
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
33.18
vs peers 2.1 · 9th of 9
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
0.16
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is Central Bank of India a quality business?
Quality score 38.3, 8th of 11 in its peer set; WATCH on 21 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
38.3
vs peers 46.2 · 8th of 11
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
WATCH
21 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin
3.1%
vs peers 2.8% · 4th of 11
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
2.6%
vs peers 1.9% · 9th of 11
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
0.5%
vs peers 0.3% · 8th of 11
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
81.4%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
0.7%
vs peers 0.6% · 7th of 11
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
58.6%
vs peers 49.1% · 10th of 11
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
0.8%
vs peers 1.1% · 9th of 11
Profit as a share of average total assets. Learn more →
CET1 ratio
16.5%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
19.3%
vs peers 16.8% · 4th of 11
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
13.4%
vs peers 12.1% · 4th of 11
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has Central Bank of India made money for shareholders?
Mixed: −20.4% over one year and +6.6% a year over five years.
Shareholder returns
5-year return
+6.6% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
−0.7%1M
−1.2%3M
−8.0%6M
−14.4%1Y
−20.4%3Y
−11.0%5Y
+6.6%Does Central Bank of India pay a dividend?
Yes. Central Bank of India's dividend yield is 5.72% at the latest price; the last payout was ₹0.60 a share, ex-dividend 8 May 2026.
Dividends
Per share, by ex-dividend date
Dividend yield5.72%
The past 12 months' dividends as a share of today's price.
8 May 2026 · Interim 4₹0.60
23 Jan 2026 · Interim 3₹0.20
27 Oct 2025 · Interim 2₹0.20
25 Jul 2025 · Interim₹0.20
4 Jul 2025 · Final₹0.19
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.
Is Central Bank of India growing?
Loan growth 19.3%; deposit growth 13.4%; revenue 3 years 12.7% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
19.3%
vs peers 16.8% · 4th of 11
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
13.4%
vs peers 12.1% · 4th of 11
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
12.7% a year
vs peers 14.5% · 8th of 11
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
37.2% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
10.6% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
Not available
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did Central Bank of India do last quarter?
Central Bank of India reported income of ₹10,714 Cr, up 7.7% on a year earlier and a net profit of ₹1,323 Cr, up 15.0% in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹10,714 Cr
+7.7% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹1,323 Cr
+15.0% on a year earlier
What was left for shareholders after every cost and tax.
How does Central Bank of India compare with its peers?
Compared with 10 Public Sector Bank; 3rd of 11 on P/E; 8th of 11 on quality score.
Compared with 10 Public Sector Bank
10 companies
- Central Bank of India (this page)
- Punjab National Bank
- Union Bank of India
- Bank of Baroda
- Indian Bank
- Canara Bank
- Bank of Maharashtra
- Bank of India
- Indian Overseas Bank
- UCO Bank
- Punjab & Sind Bank
Central Bank of India against its peers
Largest 10 of 10 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Central Bank of India₹27,245 Cr6.00.813.0%−20.4%
UCO Bank₹29,154 Cr10.40.99.5%−26.9%
Punjab & Sind Bank₹14,908 Cr10.81.110.4%−29.6%
Peer median—7.61.013.9%−3.1%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns Central Bank of India?
Central Bank of India is held by promoters 81.2%, foreign institutions 0.9%, domestic institutions 10.9%.
Shareholding pattern
Latest filing, percent of shares
Promoters81.2%
The founders and controlling group.
Foreign institutions0.9%
Overseas funds investing through the FPI route.
Domestic institutions10.9%
Indian insurers, banks, pension and mutual funds together.
Mutual funds2.6%
Indian mutual fund schemes; part of domestic institutions.
Retail and others4.0%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What does Central Bank of India do and what is it sensitive to?
Central Bank of India is a listed Indian bank that takes deposits and lends, with a rural and semi-urban branch network. Sensitive to: treasury yields and forex volatility.
Business-model card
FY2026 · 27 verified
2Revenue
3Channels
1Regulators
4Reg. dependencies
3Sensitivities
2Costs
1Geographies
Central Bank of India is a listed Indian bank that takes deposits and lends, with a rural and semi-urban branch network. Its income comes from interest on advances and investments, plus non-interest (fee and other) income.
Revenue by segment
2026-03-31
Retail Banking Operations44.3%
Treasury Operations32.3%
Wholesale Banking Operations23.4%
Other Banking Operations0.0%
Revenue engine
2 verified
Interest income
Interest earned on the bank's lending and investments. Company's Yield on Advances was 8.15 and Yield on Investments 6.68 for the Dec'25 quarter. Interpretation: this line is driven by loan and investment yields and balances.
Non-interest income
Fee and other income. The excerpts name rationalisation of fee income and a fee-income drive as strategy. Interpretation: this line depends on fee-based product volumes rather than on lending spreads.
Customers & channels
3 verified
Wealth Management portfolio for HNIs
A strategy target for high-net-worth individuals, listed among the bank's growth strategies.
Increase Income from Bancassurance Channel
Bancassurance is a distribution channel for insurance products, and the bank names it as an income target. Interpretation: fee or commission income from insurance sales through the branch network.
Field collection agents (Feet-on-Street)
Field staff used to follow up SMA and NPA accounts with geo-tagging. The excerpt gives 405 agents on the field. This is a collections channel, not a sales channel.
Regulators
1 verified
Reserve Bank of India (RBI)
The excerpt cites RBI recommendations as the basis for the bank's digital-compliance and domain-migration work, which affects its customer-facing digital channels.
Regulatory dependencies
4 verified
Cash Reserve Ratio (CRR) cut
The excerpt says the CRR cut is expected to add liquidity to the banking system and make loan disbursal easier. Interpretation: a CRR change alters the funds available to lend and therefore loan volume.
Risk weights on lending to NBFC-MFIs
The company states that a reduction in risk weights on lending to NBFC-MFIs supports recovery in credit growth. Interpretation: a lower risk weight reduces the capital the bank must hold against these loans, making the lending more attractive.
Repo rate
The excerpt says the repo rate cut is likely to turn credit growth around from the September quarter as policy-rate cuts pass through. Interpretation: a lower policy rate is expected to raise loan demand and lending volumes.
1 more statement
Risk-weighted assets (RWA)
Interpretation: the capital requirement scales with RWA, so a change in risk weights moves the capital the bank must hold against its lending.
Sensitivities
3 verified
Treasury yields and forex volatility
Direction: a rise in treasury yields and forex volatility may reduce non-core income in H2:2025-26. The excerpt does not state the effect of falling yields.
Gold loan prices
Direction: higher gold loan prices have led to more bank lending against gold. Interpretation: a rise in gold prices increases the collateral value and loan demand in this segment.
Bank credit growth
Direction: slower system-wide credit growth reduces the lending base that earns interest income. The excerpt attributes the slowdown to moderation in lending to agriculture, retail and services.
Cost inputs
2 verified
Cost of deposits
Interest paid to depositors is the cost of funds on the deposit base. The excerpt gives a cost of deposits of 4.75 for Dec'25. Interpretation: a higher cost of deposits raises interest expense.
Operating expenses
Total operating expenses, with cost-to-income ratio stated at 57.84 for Dec'25. Interpretation: cost-to-income rises when operating expenses grow faster than income.
Geographies
1 verified
Associate Indo Zambia Bank Limited, Zambia
Associate in which the bank holds a 20% stake, according to the group table. This is an associate, not the parent's own operations.
Each statement is checked word for word against the FY2026 annual report; the passages are in the app.
What changed recently?
Q1 FY2027 results filed (17 Jul 2026).
Change log
8 entries · newest first
- Results filedQ1 FY2027 results filed.
- Corporate actionInterim Dividend - Rs 0.60 Per Share.
- Results filedQ4 FY2026 results filed.
- Corporate actionInterim Dividend - Re 0.20 Per Share.
- Results filedQ3 FY2026 results filed.
- Corporate actionInterim Dividend - Re 0.20 Per Share.
- Results filedQ2 FY2026 results filed.
- Corporate actionInterim Dividend - Re 0.20 Per Share.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsWATCH on 21 of 22 lender flags judged; 2 red; 1 could not be judged.
- Data gapsBusiness quality, CASA ratio, EPS 5 years: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓230 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2026 · 27 verified
Questions people ask
What is Central Bank of India's share price today?
Central Bank of India last traded at ₹30.07 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.1% on the day, down 20.4% over a year. Its 52-week range is ₹29 to ₹41. The live price is in the app.
What is Central Bank of India's market cap?
Central Bank of India's market capitalisation is about ₹27,245 crore: what it would cost to buy every share at today's price. That makes it the 52nd largest small cap company we cover.
Is Central Bank of India a large cap, mid cap or small cap?
Central Bank of India (CENTRALBK) is a small cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is Central Bank of India's P/E ratio?
5.97, vs peers 7.6 · 3rd of 11. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is Central Bank of India overvalued?
Cheap, with low confidence: no valuation within 120 days; P/E 6.0 vs peers 7.6 (3rd of 11); P/B 0.82 vs peers 1.0 (2nd of 11).
How does Central Bank of India make money?
Central Bank of India is a listed Indian bank that takes deposits and lends, with a rural and semi-urban branch network. Its income comes from interest on advances and investments, plus non-interest (fee and other) income.
Why is there no Altman Z or debt to equity for Central Bank of India?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are Central Bank of India's peers?
Compared with 10 Public Sector Bank: Punjab National Bank, Union Bank of India, Bank of Baroda, Indian Bank, Canara Bank and 5 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did Central Bank of India do last quarter?
Central Bank of India reported income of ₹10,714 Cr, up 7.7% on a year earlier and a net profit of ₹1,323 Cr, up 15.0% in the Jun 2026 quarter.
Who owns Central Bank of India?
Central Bank of India is held by promoters 81.2%, foreign institutions 0.9%, domestic institutions 10.9%.
Does Central Bank of India pay a dividend?
Yes. Central Bank of India's dividend yield is 5.72% at the latest price; the last payout was ₹0.60 a share, ex-dividend 8 May 2026.