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IDBI · NSE · Private Sector Bank

IDBI Bank Ltd

What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
fair low confidence No valuation within 120 days; P/E 9.6 vs peers 18.0 (1st of 9); P/B 1.1 vs peers 1.1 (6th of 9).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model

What is IDBI Bank's share price today?

IDBI Bank last traded at ₹82.91 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.2% on the day, down 10.9% over a year. Its 52-week range is ₹61 to ₹118. The live price is in the app.

₹82.91 −0.2% today
−10.9% 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 range38% of the way up
Low ₹61High ₹118

What is IDBI Bank's market cap?

IDBI Bank's market capitalisation is about ₹89,342 crore: what it would cost to buy every share at today's price. That makes it the 27th largest mid cap company we cover.

₹89,342 Cr Mid Cap27th largest mid cap company
Mid Cap means the companies ranked 101 to 250 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: IDBI
ISIN
INE008A01015
Cap bucket
Mid Cap, 27th largest by market cap
Industry (NSE)
Financial Services › Banks › Private Sector Bank
Listed since
1995
Futures and options
Not traded

Is IDBI Bank overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 9.6 vs peers 18.0 (1st of 9); P/B 1.1 vs peers 1.1 (6th of 9).

Valuation

Latest price and trailing 12 months
P/E 9.58
vs peers 18.0 · 1st of 9
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B 1.11
vs peers 1.1 · 6th of 9
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap ₹89,342 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor) 7.32
vs peers 6.9 · 5th of 7
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 0.27
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
3 models could be judged
Skipped — Fair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored

Our valuation range

🔒 Pro
Value range, implied growth at today's price, and the nine models behind it: in the app.

Is IDBI Bank a quality business?

Quality score 66.7, 2nd of 9 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 66.7
vs peers 46.9 · 2nd of 9
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 3.8%
vs peers 4.1% · 6th of 9
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 2.3%
vs peers 1.5% · 7th of 9
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 0.2%
vs peers 0.4% · 1st of 9
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage 93.0%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost -0.5%
vs peers 1.5% · 1st of 9
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income 46.5%
vs peers 60.1% · 2nd of 9
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets 2.2%
vs peers 0.7% · 1st of 9
Profit as a share of average total assets. Learn more →
CET1 ratio 26.4%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY 16.1%
vs peers 15.3% · 5th of 9
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY 11.9%
vs peers 12.7% · 6th of 9
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 →
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Has IDBI Bank made money for shareholders?

Mixed: −10.9% over one year and +12.2% a year over five years.

Shareholder returns

1-year return −10.9%
Price only
What the share price did over the last 12 months. Learn more →
5-year return +12.2% 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
−3.7%
1M
+0.2%
3M
−1.2%
6M
+12.6%
1Y
−10.9%
3Y
+9.9%
5Y
+12.2%

Does IDBI Bank pay a dividend?

IDBI Bank last paid ₹2.10 a share, ex-dividend 15 Jul 2025; nothing in the past 12 months counts toward a yield.

Dividends

Per share, by ex-dividend date
15 Jul 2025 · Final₹2.10
16 Jul 2024 · Final₹1.50
6 Jul 2023 · Final₹1.00
4 Aug 2015 · Final₹0.75
26 Jun 2014 · Final₹0.28
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 IDBI Bank growing?

Loan growth 16.1%; deposit growth 11.9%; revenue 3 years 12.2% a year.

Growth

Statements through FY2026 (Mar-26)
Loan growth 16.1%
vs peers 15.3% · 5th of 9
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth 11.9%
vs peers 12.7% · 6th of 9
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years 12.2% a year
vs peers 13.8% · 6th of 9
Compound annual growth of revenue over three years. Learn more →
EPS 3 years 35.5% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years 9.0% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years 43.0% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →

How did IDBI Bank do last quarter?

IDBI Bank reported income of ₹8,633 Cr, up 4.5% on a year earlier and a net profit of ₹2,127 Cr, up 20.7% in the Jun 2026 quarter.

Latest quarter

Jun 2026
Income, latest quarter₹8,633 Cr
+4.5% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹2,127 Cr
+20.7% on a year earlier
What was left for shareholders after every cost and tax.

How does IDBI Bank compare with its peers?

Compared with 8 Private Sector Bank; 1st of 9 on P/E; 2nd of 9 on quality score.

Compared with 8 Private Sector Bank

8 companies

IDBI Bank against its peers

Largest 8 of 8 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
IDBI Bank Ltd₹89,342 Cr9.61.117.4%−10.9%
Federal Bank Ltd₹81,602 Cr17.41.711.4%+54.9%
IDFC First Bank Ltd₹68,569 Cr30.61.13.8%+7.9%
IndusInd Bank Ltd₹67,135 Cr50.80.91.4%+13.4%
RBL Bank Ltd₹64,885 Cr30.01.15.1%+44.1%
Yes Bank Ltd₹64,348 Cr17.21.16.2%−14.7%
Karur Vysya Bank Ltd₹32,853 Cr12.02.019.3%+50.4%
Bandhan Bank Ltd₹25,295 Cr18.70.94.9%−6.8%
City Union Bank Ltd₹22,929 Cr16.31.713.2%+41.7%
Peer median—18.01.15.7%+27.6%
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.

Full peer comparison

🔒 Pro
Every peer, every figure, the ranks and the quality and forensic scores side by side: in the app.

Who owns IDBI Bank?

IDBI Bank is held by promoters 94.7%, foreign institutions 0.5%, domestic institutions 0.1%.

Shareholding pattern

Latest filing, percent of shares
Promoters94.7%
The founders and controlling group.
Foreign institutions0.5%
Overseas funds investing through the FPI route.
Domestic institutions0.1%
Indian insurers, banks, pension and mutual funds together.
Mutual funds0.1%
Indian mutual fund schemes; part of domestic institutions.
Retail and others2.2%
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 IDBI Bank do and what is it sensitive to?

IDBI Bank Ltd is a universal bank headquartered in Mumbai that serves individuals, farmers, micro, small and medium businesses, and corporates through branches, business correspondent outlets, ATMs and digital channels. Sensitive to: RBI policy rate.

Business-model card

FY2026 · 40 verified
4Revenue
3Channels
2Regulators
5Reg. dependencies
5Sensitivities
3Costs
3Geographies

IDBI Bank Ltd is a universal bank headquartered in Mumbai that serves individuals, farmers, micro, small and medium businesses, and corporates through branches, business correspondent outlets, ATMs and digital channels. The excerpts show income from loans, deposits, treasury investments and fees on distributed insurance products, but they do not state how each line is priced.

Revenue by segment

year ended March 31, 2026
Corporate/Wholesale banking14.5%
Retail banking58.3%
Treasury26.8%
Other banking operations0.4%

Revenue engine

4 verified
Corporate/wholesale banking segment
Lending and transaction products to corporate clients, including fund-based and non-fund based credit, transaction banking, and treasury and capital market services.
Retail banking segment
Retail loans (housing, auto, education, personal) plus deposit and card products sold to individuals and NRI customers.
Treasury segment
The investment portfolio and its related income and expenses are reported in a single treasury segment.
1 more statement
Fees/commission on insurance distribution
Interpretation: fee income from selling LIC life insurance policies through Bank branches, at rates set under the agency arrangement.

Customers & channels

3 verified
Individuals, farmers, MSMEs and corporates
Broad customer base across retail, priority-sector and corporate lending and deposits.
Hybrid physical and digital delivery
Physical branches and business correspondent outlets are combined with digital channels to reach customers.
Digital banking channels
Internet, mobile and WhatsApp banking give customers access outside branch hours.

Regulators

2 verified
Reserve Bank of India (RBI)
Issues guidelines governing the bank's operations, liquidity and regulatory ratios, and sets the key policy rates.
IRDAI
Sets the rates the bank may earn on distributing insurance products.

Regulatory dependencies

5 verified
IRDAI-allowed commission rates on insurance distribution
Interpretation: a change to the permitted rates would move fee income. The excerpt also says fee levels depend on business volume and regulatory guidelines.
Maximum permitted limit on money market operations
Money market and repo activity is capped by regulatory norms and internal policy, which limits how much liquidity can be raised or deployed this way.
RBI liquidity and regulatory ratios
Money market operations are required to maintain regulatory ratios; changes to those ratios would change the funding and investment mix.
2 more statements
AML/KYC/CFT compliance
Compliance obligations are a condition of onboarding and international payments; non-compliance risks penalties.
Regulatory penalties and business restrictions
Interpretation: breaches could reduce profit through fines, litigation costs and restrictions on business.

Sensitivities

5 verified
RBI policy rate
A cut lowers the policy rate; the excerpt says the RBI cut key rates by 25 bps in February and again in April 2025.
Transmission of rate changes to lending and deposit rates
Rate changes pass through to both loan and deposit pricing; the excerpt says this transmission was effective during the year.
Crude oil prices and inflation
Higher crude raises inflation risk and may slow growth. Interpretation: that would weigh on loan demand and asset quality.
2 more statements
Deposit growth relative to credit growth
Deposits lagged credit growth but were led by demand deposits; the funding gap is a sensitivity for a lender.
Geopolitical and trade disruptions
Global tensions, trade realignments and supply chain disruptions affect market stability and cross-border flows.

Cost inputs

3 verified
Outsourcing expenses
A schedule line of expenses. The excerpt gives no supplier or driver.
Public cloud service providers
Two public cloud providers were onboarded to support cloud adoption, which is a technology cost line.
Customer deposits as funding
Interpretation: deposits are the bank's main funding input, and their growth relative to credit is a funding-cost driver.

Geographies

3 verified
Pan-India network
Banking outlets and ATMs spread across more than 1,600 locations in India.
International Financial Services Centre banking unit
One international unit at GIFT City, Gandhinagar, reported as an operation outside the domestic network.
Exports
The excerpt reports export contribution to turnover as not applicable.
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 (18 Jul 2026).

Change log

8 entries · newest first
  1. Results filedQ1 FY2027 results filed.
  2. Results filedQ4 FY2026 results filed.
  3. Results filedQ3 FY2026 results filed.
  4. Results filedQ2 FY2026 results filed.
  5. Results filedQ1 FY2026 results filed.
  6. Corporate actionDividend - Rs 2.10 Per Share.
  7. Results filedQ4 FY2025 results filed.
  8. Corporate actionAnnual General Meeting.
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; 1 red; 1 could not be judged.
  • Data gapsDividend yield, Business quality, CASA ratio: 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✓285 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2026 · 40 verified

Questions people ask

What is IDBI Bank's share price today?

IDBI Bank last traded at ₹82.91 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 0.2% on the day, down 10.9% over a year. Its 52-week range is ₹61 to ₹118. The live price is in the app.

What is IDBI Bank's market cap?

IDBI Bank's market capitalisation is about ₹89,342 crore: what it would cost to buy every share at today's price. That makes it the 27th largest mid cap company we cover.

Is IDBI Bank Ltd a large cap, mid cap or small cap?

IDBI Bank Ltd (IDBI) is a mid 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 IDBI Bank Ltd's P/E ratio?

9.58, vs peers 18.0 · 1st of 9. Price divided by last year's earnings per share: how many years of today's profit you pay for.

Is IDBI Bank Ltd overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 9.6 vs peers 18.0 (1st of 9); P/B 1.1 vs peers 1.1 (6th of 9).

How does IDBI Bank Ltd make money?

IDBI Bank Ltd is a universal bank headquartered in Mumbai that serves individuals, farmers, micro, small and medium businesses, and corporates through branches, business correspondent outlets, ATMs and digital channels. The excerpts show income from loans, deposits, treasury investments and fees on distributed insurance products, but they do not state how each line is priced.

Why is there no Altman Z or debt to equity for IDBI Bank?

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 IDBI Bank Ltd's peers?

Compared with 8 Private Sector Bank: Federal Bank Ltd, IDFC First Bank Ltd, IndusInd Bank Ltd, RBL Bank Ltd, Yes Bank Ltd and 3 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 IDBI Bank do last quarter?

IDBI Bank reported income of ₹8,633 Cr, up 4.5% on a year earlier and a net profit of ₹2,127 Cr, up 20.7% in the Jun 2026 quarter.

Who owns IDBI Bank?

IDBI Bank is held by promoters 94.7%, foreign institutions 0.5%, domestic institutions 0.1%.

Does IDBI Bank pay a dividend?

IDBI Bank last paid ₹2.10 a share, ex-dividend 15 Jul 2025; nothing in the past 12 months counts toward a yield.

Everything on IDBI Bank, and 6,621 other companies, with 212 filters and the full peer tables

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