IDBI Bank Ltd

₹ 109 -1.22%

06 Mar - close price

About

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Key Points

Business Segments
Retail Banking: 55% in Q2 FY25 vs 52% in FY22
Corporate/Wholesale Banking: 17% in Q2 FY25 vs 15% in FY22
Treasury: 27% in Q2 FY25 vs 32% in FY22
Others: 1% in Q2FY25 vs Nil in FY22^[1] ^[2]

Website BSE NSE

Market Cap ₹ 1,17,083 Cr.
Current Price ₹ 109
High / Low ₹ 118 / 70.9
Stock P/E 12.2
Book Value ₹ 64.0
Dividend Yield 1.93 %
ROCE 6.76 %
ROE 13.6 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 20.9% CAGR over last 5 years
Company has been maintaining a healthy dividend payout of 29.4%

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 11.5% over last 3 years.
Contingent liabilities of Rs.3,35,753 Cr.
Company might be capitalizing the interest cost
Earnings include an other income of Rs.7,192 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 BSE 200 BSE Dollex 200 Nifty 500 BSE Allcap BSE Financial Services BSE 250 LargeMidCap Index BSE 100 LargeCap TMC Index Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	5,231	5,726	6,860	6,035	6,541	6,990	6,666	7,442	7,816	6,979	7,021	7,104	7,074
Interest	2,306	2,447	2,862	2,968	3,106	3,303	3,433	3,566	3,587	3,689	3,855	3,819	3,864
	2,515	3,126	3,021	1,657	2,401	2,523	1,519	2,737	2,341	2,385	2,069	1,599	1,959
Financing Profit	410	154	976	1,410	1,033	1,165	1,714	1,138	1,887	905	1,096	1,686	1,250
Financing Margin %	8%	3%	14%	23%	16%	17%	26%	15%	24%	13%	16%	24%	18%
	857	1,288	852	889	973	896	805	1,313	749	2,057	1,437	2,489	1,209
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,267	1,441	1,828	2,299	2,007	2,061	2,519	2,451	2,636	2,962	2,534	4,175	2,459
Tax %	27%	21%	33%	42%	27%	21%	32%	25%	28%	31%	21%	13%	21%
	927	1,133	1,224	1,323	1,458	1,628	1,719	1,836	1,908	2,051	2,007	3,627	1,935
EPS in Rs	0.86	1.05	1.14	1.23	1.36	1.51	1.60	1.71	1.77	1.91	1.87	3.37	1.80
Gross NPA %	13.82%	6.38%	5.05%	4.90%	4.69%	4.53%	3.87%	3.68%	3.57%	2.98%	2.93%	2.65%	2.57%
Net NPA %	1.08%	0.92%	0.44%	0.39%	0.34%	0.34%	0.23%	0.20%	0.18%	0.15%	0.21%	0.21%	0.18%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	26,598	28,154	28,043	27,791	23,027	22,071	20,825	19,938	18,292	20,570	26,426	28,902	28,177
Interest	20,576	22,406	21,954	22,040	17,386	16,166	13,847	11,414	9,129	9,139	12,240	14,276	15,227
	7,146	8,331	14,256	18,019	24,874	31,667	20,025	10,320	9,831	10,071	9,066	8,451	8,013
Financing Profit	-1,124	-2,583	-8,167	-12,267	-19,233	-25,761	-13,047	-1,796	-668	1,360	5,121	6,176	4,938
Financing Margin %	-4%	-9%	-29%	-44%	-84%	-117%	-63%	-9%	-4%	7%	19%	21%	18%
	2,979	4,008	3,411	4,008	7,014	3,300	4,470	4,559	4,690	4,372	3,611	4,924	7,192
Depreciation	113	137	214	359	373	366	391	393	413	494	536	531	0
Profit before tax	1,741	1,287	-4,971	-8,618	-12,593	-22,827	-8,967	2,369	3,608	5,237	8,195	10,568	12,130
Tax %	36%	32%	-26%	-40%	-35%	-34%	44%	43%	32%	30%	31%	29%
	1,121	873	-3,665	-5,158	-8,238	-15,116	-12,887	1,359	2,439	3,645	5,634	7,515	9,621
EPS in Rs	6.99	5.45	-17.80	-25.05	-26.71	-19.54	-12.41	1.26	2.27	3.39	5.24	6.99	8.95
Dividend Payout %	14%	14%	0%	0%	0%	0%	0%	0%	0%	30%	29%	30%

Compounded Sales Growth
10 Years:	0%
5 Years:	7%
3 Years:	16%
TTM:	-3%

Compounded Profit Growth
10 Years:	24%
5 Years:	21%
3 Years:	46%
TTM:	36%

Stock Price CAGR
10 Years:	5%
5 Years:	25%
3 Years:	31%
1 Year:	50%

Return on Equity
10 Years:	-7%
5 Years:	9%
3 Years:	11%
Last Year:	14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1,604	1,604	2,059	2,059	3,084	7,736	10,381	10,752	10,752	10,752	10,752	10,752	10,752
Reserves	22,035	22,713	25,663	20,505	18,126	29,875	23,644	26,059	30,910	34,566	39,129	49,499	56,527
Deposits	250,340	275,831	265,720	268,538	247,932	227,372	222,424	230,852	233,134	255,490	277,657	310,294	303,510
Borrowing	45,580	45,838	70,592	56,364	63,186	45,288	36,749	15,908	14,345	12,638	17,083	19,882	24,241
	9,429	10,158	11,357	14,409	17,759	10,013	6,731	14,193	12,461	17,056	18,956	21,234	20,838
Total Liabilities	328,988	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,661	415,868
	2,963	3,011	7,023	6,809	6,269	7,763	7,642	7,357	9,540	9,279	9,413	12,103	12,016
CWIP	20	49	424	540	502	468	487	470	396	477	107	78	0
Investments	103,774	97,701	92,997	92,934	91,606	93,073	81,780	81,023	82,988	99,690	114,934	117,468	122,766
	222,232	255,383	274,945	261,591	251,709	218,981	210,018	208,914	208,678	221,056	239,124	282,013	281,087
Total Assets	328,988	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,661	415,868

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-2,006	-1,977	-341	7,635	-12,221	-34,191	190	10,218	5,008	-2,397	-906	24,037
	-223	-264	-656	-451	358	114	-294	-79	-145	-270	-278	-310
	1,122	-51	2,935	1,900	12,865	21,624	9,300	-5,347	-4,375	-3,558	-2,064	-5,244
Net Cash Flow	-1,107	-2,292	1,938	9,084	1,002	-12,452	9,197	4,792	488	-6,225	-3,248	18,483

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	5%	4%	-14%	-21%	-40%	-51%	-36%	4%	6%	8%	12%	14%

Insights

In beta

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

CASA Ratio
%

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x.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	x.xx	x.xx	x.xx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx		xx.xx	xx.xx	xx.xx

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GNPA Ratio
%

Provision Coverage Ratio (PCR)
%

Number of ATMs
Number

Number of Branches
Number

Staff Strength
Number

Business Per Employee
INR Cr

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%
	0.22%	0.30%	0.40%	0.32%	0.45%	0.46%	0.46%	0.42%	0.46%	0.54%	0.47%	0.52%
	0.16%	0.16%	0.24%	0.15%	0.15%	0.16%	0.17%	0.18%	0.18%	0.15%	0.11%	0.12%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	4.90%	4.84%	4.62%	4.80%	4.67%	4.65%	4.64%	4.69%	4.63%	4.59%	4.68%	4.65%
No. of Shareholders	5,98,415	5,82,160	6,08,490	6,36,699	6,72,434	6,82,099	7,15,361	7,23,519	7,21,423	6,92,523	6,99,102	6,87,895

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	73.98%	73.98%	80.96%	97.46%	98.11%	94.71%	94.71%	94.72%	94.72%	94.72%	94.72%
	0.00%	2.53%	1.71%	0.10%	0.02%	0.09%	0.03%	0.22%	0.45%	0.46%	0.52%
	18.62%	15.41%	12.15%	0.27%	0.15%	1.62%	0.36%	0.16%	0.15%	0.18%	0.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%
	7.39%	8.08%	5.17%	2.17%	1.73%	3.58%	4.89%	4.90%	4.67%	4.63%	4.65%
No. of Shareholders	4,11,571	4,03,981	3,60,886	3,76,197	3,84,619	5,40,998	5,69,481	5,98,415	6,72,434	7,21,423	6,87,895

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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