Bank of India Share Price – NSE /  BSE

Banks, Small Cap

As per the revised rate card, the overnight MCLR stands at 7.70%, while the one-month, three-month and six-month MCLR are at 8.05%, 8.20% and 8.60%, respectively. The one-year and three-year MCLR have been retained at 8.75% and 8.90%.

The lender also announced changes in its fixed rate spread structure effective April 1. Interest rates for different tenors have been revised, with one-year loans priced at 8.75% plus credit risk premium (CRP), two-year loans at 9.25% plus CRP, and three-year loans at 9.35% plus CRP. Four-year loans will carry an interest rate of 9.75% plus CRP, while loans above five years will be priced at 8.75% plus tenor premium and CRP.

Separately, the bank said its base rate has been reduced by 50 basis points to 9.50% per annum from 10%, effective April 1, 2026, and will remain applicable till June 30, 2026.

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.

The bank standalone rose 7.5% to Rs 2,704.67 crore on 6.3% increase in revenue from operations to Rs 21,205.95 crore in Q3 FY26 over Q3 FY25.

As per the revised rate card, the overnight MCLR stands at 7.70%, while the one-month, three-month and six-month MCLR are at 8.05%, 8.20% and 8.60%, respectively. The one-year and three-year MCLR have been retained at 8.75% and 8.90%.

The lender also announced changes in its fixed rate spread structure effective April 1. Interest rates for different tenors have been revised, with one-year loans priced at 8.75% plus credit risk premium (CRP), two-year loans at 9.25% plus CRP, and three-year loans at 9.35% plus CRP. Four-year loans will carry an interest rate of 9.75% plus CRP, while loans above five years will be priced at 8.75% plus tenor premium and CRP.

Separately, the bank said its base rate has been reduced by 50 basis points to 9.50% per annum from 10%, effective April 1, 2026, and will remain applicable till June 30, 2026.

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.

The bank standalone rose 7.5% to Rs 2,704.67 crore on 6.3% increase in revenue from operations to Rs 21,205.95 crore in Q3 FY26 over Q3 FY25.

Shares of Bank of India tanked 5.45% to end at Rs 137.05 on the BSE.

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Bank of India is up for a third straight session in a row. The stock is quoting at Rs 172.46, up 1.32% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.04% on the day, quoting at 25713.95. The Sensex is at 83408.99, down 0.05%. Bank of India has risen around 5.77% in last one month.

Meanwhile, Nifty PSU Bank index of which Bank of India is a constituent, has risen around 7.08% in last one month and is currently quoting at 9500.8, up 1.28% on the day. The volume in the stock stood at 78.68 lakh shares today, compared to the daily average of 158.7 lakh shares in last one month.

The benchmark February futures contract for the stock is quoting at Rs 172.19, up 0.89% on the day. Bank of India is up 73.55% in last one year as compared to a 12.13% spurt in NIFTY and a 61.7% spurt in the Nifty PSU Bank index.

The PE of the stock is 7.65 based on TTM earnings ending December 25.

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Total income stood at Rs 21,205.95 crore in Q3 FY26, up 6.25% as against Rs 19,956.9 crore in Q3 FY25.

Profit before tax (PBT) rose 6.41% YoY to Rs 3,616.8 crore in Q3 December 2025.

Net interest income (NII) fell 1.24% to Rs 5,912 crore in Q2 FY26, compared with Rs 5,986 crore in Q2 FY25. Net interest margin (NIM) slipped to 2.41% in Q2 FY26, compared with 2.81% in Q2 FY25

Global deposits jumped 11.64% to Rs 8,87,288 crore in Q3 FY26 compared with Rs 7,94,788 crore in Q3 FY25. Domestic deposits increased 12.80% YoY to Rs 7,65,499 crore in Q3 FY26.

Global advances stood at Rs 7,40,314 crore in Q3 FY26, registering the growth of 13.63% compared with Rs 6,51,507 crore in Q3 FY25. Domestic advances climbed 15.16% YoY to Rs 6,29,080 crore in Q3 FY26.

On asset quality front, gross non-performing assets (GNPA) reduced by 143 bps to 2.26% in Q3 FY26 as against 3.69% in Q3 FY25. Net non-performing assets (NNPA) declined by 25 bps to 0.60% in Q3 FY26, compared with 0.85% in Q3 FY25.

Capital Adequacy Ratio (CRAR) as of Q3 FY26 stood at 17.09%. Tier 1 CRAR stood at 14.36% while CET -1 ratio stood at 13.76% in Q3 FY26.

The bank reported robust growth across its lending segments, with Retail Advances leading the way, growing by 20.64% YoY, followed by Agriculture Advances at 16.69% and MSME Advances at 15.77%. Corporate Advances grew at a relatively moderate pace of 11.32% YoY. The focus on high-growth segments is reflected in the increase of RAM (Retail, Agriculture, and MSME) share in total advances to 58.54%, highlighting the bank?s strategy of prioritizing diversified and high-potential lending over large corporate exposure.

Bank of India is an India-based bank. The Bank's segments include Treasury Operations, Wholesale Banking and Retail Banking. The Treasury operations segment includes the entire investment portfolio, which is dealing in government and other securities, money market operations and foreign exchange operations.

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