IDBI Bank Ltd

₹ 82.2 0.61%

21 Aug - 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: 61% in Q3 FY26 vs 52% in FY22
Corporate/Wholesale Banking: 14% in Q3 FY26 vs 15% in FY22
Treasury: 24% in Q3 FY26 vs 32% in FY22
Others: 1% in Q3 FY26 vs Nil in FY22 ^[1]^[2]

Website BSE NSE

Market Cap ₹ 88,428 Cr.
Current Price ₹ 82.2
High / Low ₹ 118 / 61.0
Stock P/E 9.19
Book Value ₹ 62.9
Dividend Yield 2.55 %
ROCE 6.58 %
ROE 14.9 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 47.6% CAGR over last 5 years

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 7.78% over past five years.
Company has a low return on equity of 13.6% over last 3 years.
Contingent liabilities of Rs.2,89,451 Cr.
Company might be capitalizing the interest cost

* 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 200 Nifty 500 Nifty Smallcap 100 BSE 250 LargeMidCap Index Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 200 Equal Weight BSE 1000 Nifty Smallcap 500 Nifty MidSmallcap400 50:50 BSE 100 LargeCap TMC Index Nifty Total Market Nifty Smallcap 250 BSE Dollex 200 BSE 500 Nifty 500 Multicap 50:25:25 Nifty MidSmallcap 400 BSE Financial Services

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	6,860	6,035	6,541	6,990	6,666	7,442	7,816	6,979	7,021	7,104	7,074	7,798	7,541
Interest	2,862	2,968	3,106	3,303	3,433	3,566	3,587	3,689	3,855	3,819	3,864	3,947	4,055
	3,021	1,657	2,401	2,523	1,519	2,737	2,341	2,385	2,069	1,599	1,959	2,704	1,713
Financing Profit	976	1,410	1,033	1,165	1,714	1,138	1,887	905	1,096	1,686	1,250	1,147	1,773
Financing Margin %	14%	23%	16%	17%	26%	15%	24%	13%	16%	24%	18%	15%	24%
	852	889	973	896	805	1,313	749	2,057	1,437	2,489	1,209	1,611	1,032
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,828	2,299	2,007	2,061	2,519	2,451	2,636	2,962	2,534	4,175	2,459	2,758	2,805
Tax %	33%	42%	27%	21%	32%	25%	28%	31%	21%	13%	21%	30%	25%
	1,224	1,323	1,458	1,628	1,719	1,836	1,908	2,051	2,007	3,627	1,935	1,943	2,115
EPS in Rs	1.14	1.23	1.36	1.51	1.60	1.71	1.77	1.91	1.87	3.37	1.80	1.81	1.97
Gross NPA %	5.05%	4.90%	4.69%	4.53%	3.87%	3.68%	3.57%	2.98%	2.93%	2.65%	2.57%	2.32%	2.30%
Net NPA %	0.44%	0.39%	0.34%	0.34%	0.23%	0.20%	0.18%	0.15%	0.21%	0.21%	0.18%	0.15%	0.16%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	28,154	28,043	27,791	23,027	22,071	20,825	19,938	18,292	20,570	26,426	28,902	28,997	29,518
Interest	22,406	21,954	22,040	17,386	16,166	13,847	11,414	9,129	9,139	12,240	14,276	15,486	15,686
	8,331	14,256	18,019	24,874	31,667	20,025	10,320	9,831	10,071	9,066	8,451	7,721	7,976
Financing Profit	-2,583	-8,167	-12,267	-19,233	-25,761	-13,047	-1,796	-668	1,360	5,121	6,176	5,790	5,856
Financing Margin %	-9%	-29%	-44%	-84%	-117%	-63%	-9%	-4%	7%	19%	21%	20%	20%
	4,008	3,411	4,008	7,014	3,300	4,470	4,559	4,690	4,372	3,611	4,924	6,746	6,341
Depreciation	137	214	359	373	366	391	393	413	494	536	531	610	0
Profit before tax	1,287	-4,971	-8,618	-12,593	-22,827	-8,967	2,369	3,608	5,237	8,195	10,568	11,926	12,197
Tax %	32%	-26%	-40%	-35%	-34%	44%	43%	32%	30%	31%	29%	20%
	873	-3,665	-5,158	-8,238	-15,116	-12,887	1,359	2,439	3,645	5,634	7,515	9,513	9,621
EPS in Rs	5.45	-17.80	-25.05	-26.71	-19.54	-12.41	1.26	2.27	3.39	5.24	6.99	8.85	8.95
Dividend Payout %	14%	0%	0%	0%	0%	0%	0%	0%	30%	29%	30%	0%

Compounded Sales Growth
10 Years:	0%
5 Years:	8%
3 Years:	12%
TTM:	1%

Compounded Profit Growth
10 Years:	16%
5 Years:	48%
3 Years:	38%
TTM:	23%

Stock Price CAGR
10 Years:	1%
5 Years:	17%
3 Years:	10%
1 Year:	-13%

Return on Equity
10 Years:	-3%
5 Years:	12%
3 Years:	14%
Last Year:	15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	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	22,713	25,663	20,505	18,126	29,875	23,644	26,059	30,910	34,566	39,129	49,499	56,885
Deposits	275,831	265,720	268,538	247,932	227,372	222,424	230,852	233,134	255,490	277,657	310,212	347,163
Borrowing	45,838	70,592	56,364	63,186	45,288	36,749	15,908	14,345	12,638	17,083	19,882	28,055
	10,158	11,357	14,409	17,759	10,013	6,731	14,193	12,461	17,056	18,956	21,362	23,705
Total Liabilities	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,707	466,560
	3,011	7,023	6,809	6,269	7,763	7,642	7,357	9,540	9,279	9,413	12,103	9,670
CWIP	49	424	540	502	468	487	470	396	477	107	78	90
Investments	97,701	92,997	92,934	91,606	93,073	81,780	81,023	82,988	99,690	114,934	117,468	128,011
	255,383	274,945	261,591	251,709	218,981	210,018	208,914	208,678	221,056	239,124	282,058	328,788
Total Assets	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,707	466,560

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,977	-341	7,635	-12,221	-34,191	190	10,218	5,008	-2,397	-906	25,795	16,752
	-264	-656	-451	358	114	-294	-79	-145	-270	-278	-310	1,447
	-51	2,935	1,900	12,865	21,624	9,300	-5,347	-4,375	-3,558	-2,064	-7,002	-5,778
Net Cash Flow	-2,292	1,938	9,084	1,002	-12,452	9,197	4,792	488	-6,225	-3,248	18,483	12,422
Free Cash Flow	-2,241	-997	7,184	-11,863	-34,077	-103	10,131	4,822	-2,714	-1,206	25,455	16,432
CFO/OP	-10%	-2%	78%	662%	356%	24%	106%	59%	-23%	-5%	118%	77%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	4%	-14%	-21%	-40%	-51%	-36%	4%	6%	8%	12%	14%	15%

Insights

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Mar 2025

Mar 2026

CASA Ratio
%

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

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Gross Advances
Rs crore

Gross NPA Ratio
%

Net NPA Ratio
%

PMJDY Accounts
Lakhs

Retail Share of Gross Advances
%

Mobile Banking Active Users
Lakhs

UPI Transactions
Crore (no. of transactions)

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%
	0.40%	0.32%	0.45%	0.46%	0.46%	0.42%	0.46%	0.54%	0.47%	0.52%	0.56%	0.45%
	0.24%	0.15%	0.15%	0.16%	0.17%	0.18%	0.18%	0.15%	0.11%	0.12%	0.08%	0.10%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	4.62%	4.80%	4.67%	4.65%	4.64%	4.69%	4.63%	4.59%	4.68%	4.65%	4.63%	4.71%
No. of Shareholders	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	7,13,776	7,18,543

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	73.98%	73.98%	80.96%	97.46%	98.11%	94.71%	94.71%	94.72%	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%	0.56%	0.45%
	18.62%	15.41%	12.15%	0.27%	0.15%	1.62%	0.36%	0.16%	0.15%	0.18%	0.08%	0.10%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	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%	4.63%	4.71%
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	7,13,776	7,18,543

* 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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