IDBI Bank Ltd

₹ 79.9 0.45%

08 Nov - 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 - Q2 FY27:^[1]
Revenue mix:
- Retail Banking: 60%
- Corporate/Wholesale Banking: 17%
- Treasury: 22%
- Others (including unallocated): 1%

Website BSE NSE

Market Cap ₹ 85,869 Cr.
Current Price ₹ 79.9
High / Low ₹ 118 / 61.0
Stock P/E 10.3
Book Value ₹ 67.4
Dividend Yield 0.00 %
ROCE 5.92 %
ROE 14.1 %
Face Value ₹ 10.0

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Pros

Stock is trading at 1.18 times its book value
Company has delivered good profit growth of 43.5% 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 13.2% over last 3 years.
Contingent liabilities of Rs.2,89,480 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 500 BSE 200 BSE Dollex 200 Nifty 500 Nifty Smallcap 100 BSE Financial Services BSE 250 LargeMidCap Index BSE 100 LargeCap TMC Index Nifty 500 Multicap 50:25:25 Nifty Smallcap 250 Nifty MidSmallcap 400 Nifty Total Market BSE 200 Equal Weight Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 Nifty Smallcap 500 Nifty MidSmallcap400 50:50

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	6,038	6,549	6,995	6,670	7,445	7,819	6,983	7,027	7,109	7,080	7,804	7,549	8,519
YoY Revenue growth	+21%	+25%	+22%	-3%	+23%	+19%	-0%	+5%	-5%	-9%	+12%	+7%	+20%
Interest	2,966	3,102	3,298	3,428	3,562	3,583	3,683	3,851	3,816	3,862	3,944	4,053	4,282
	1,701	2,444	2,565	1,553	2,781	2,382	2,415	2,091	1,651	2,000	2,757	1,751	2,740
Financing Profit	1,372	1,003	1,132	1,688	1,102	1,854	885	1,085	1,642	1,218	1,102	1,745	1,497
Financing Margin %	23%	15%	16%	25%	15%	24%	13%	15%	23%	17%	14%	23%	18%
	1,025	1,031	961	857	1,368	810	2,107	1,472	2,155	1,271	1,714	1,084	1,417
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	2,397	2,034	2,093	2,546	2,470	2,664	2,991	2,557	3,797	2,489	2,816	2,829	2,914
Tax %	42%	27%	21%	32%	25%	28%	31%	21%	15%	21%	29%	25%	24%
	1,393	1,515	1,672	1,739	1,869	1,954	2,094	2,024	3,241	1,959	2,013	2,131	2,226
EPS in Rs	1.29	1.40	1.55	1.61	1.73	1.81	1.94	1.88	3.00	1.82	1.87	1.98	2.06
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	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
	28,164	28,058	27,805	23,046	22,102	20,854	19,956	18,316	20,592	26,446	28,917	29,020	30,953
Revenue growth	+6%	-0%	-1%	-17%	-4%	-6%	-4%	-8%	+12%	+28%	+9%	+0%	+7%
Interest	22,387	21,931	22,019	17,376	16,162	13,841	11,408	9,122	9,130	12,226	14,257	15,474	16,141
	8,424	14,339	18,130	20,698	24,118	20,146	10,515	9,975	10,232	9,233	11,675	10,328	9,249
Financing Profit	-2,647	-8,212	-12,344	-15,028	-18,178	-13,133	-1,967	-781	1,229	4,986	2,985	3,217	5,562
Financing Margin %	-9%	-29%	-44%	-65%	-82%	-63%	-10%	-4%	6%	19%	10%	11%	18%
	4,189	3,518	4,207	7,248	3,535	4,631	4,848	4,959	4,617	3,975	5,209	6,637	5,486
Depreciation	141	218	362	377	370	394	397	417	499	543	538	617	0
Profit before tax	1,401	-4,912	-8,498	-8,157	-15,013	-8,896	2,484	3,760	5,346	8,418	7,656	9,237	11,049
Tax %	32%	-26%	-40%	0%	0%	44%	42%	32%	30%	31%	0%	0%
	957	-3,574	-4,997	-8,116	-14,970	-12,819	1,532	2,557	3,728	5,814	7,656	9,237	8,329
EPS in Rs	5.87	-17.44	-24.36	-26.37	-19.37	-12.36	1.41	2.36	3.45	5.38	7.10	8.57	7.73
Dividend Payout %	13%	0%	0%	0%	0%	0%	0%	0%	29%	28%	30%	0%

Compounded Sales Growth
10 Years:	0%
5 Years:	8%
3 Years:	12%
TTM:	7%

Compounded Profit Growth
10 Years:	16%
5 Years:	43%
3 Years:	35%
TTM:	-11%

Stock Price CAGR
10 Years:	1%
5 Years:	8%
3 Years:	8%
1 Year:	-20%

Return on Equity
10 Years:	-3%
5 Years:	11%
3 Years:	13%
Last Year:	14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 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	10,752
Reserves	22,771	26,000	21,204	18,824	30,610	24,455	26,876	31,819	35,567	40,321	50,868	57,812	61,740
Deposits	275,518	265,087	268,216	247,777	227,190	222,214	230,707	232,850	255,313	277,366	309,893	346,776	355,224
Borrowing	45,838	70,592	56,364	63,186	45,288	36,749	15,908	14,345	12,638	17,083	19,932	28,104	32,640
	10,314	11,537	14,646	18,039	10,287	6,901	14,410	12,773	17,227	19,138	21,562	23,942	22,513
Total Liabilities	356,044	375,275	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	413,008	467,386	482,869
	3,026	7,041	6,893	6,350	7,842	7,719	7,402	9,587	9,303	9,435	12,120	9,685	9,675
CWIP	54	481	541	502	468	488	471	400	477	108	80	90	0
Investments	97,347	92,810	93,075	91,848	93,328	81,996	81,471	83,475	100,409	115,719	118,453	128,440	122,777
	255,617	274,943	261,980	252,208	219,474	210,496	209,309	209,078	221,309	239,398	282,355	329,171	350,417
Total Assets	356,044	375,275	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	413,008	467,386	482,869

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,991	-567	8,000	-12,514	-34,215	208	10,214	5,068	-2,701	-1,252	25,796	16,762
	-272	-715	-464	720	116	-296	-59	-192	-283	-217	-338	1,441
	-61	2,927	1,889	12,843	21,622	9,279	-5,342	-4,383	-3,569	-1,768	-6,990	-5,765
Net Cash Flow	-2,323	1,645	9,424	1,049	-12,477	9,191	4,813	492	-6,554	-3,237	18,467	12,438
Free Cash Flow	-2,262	-1,282	7,536	-11,794	-34,099	-87	10,155	4,873	-2,996	-1,474	25,452	16,454

Ratios

Consolidated / View Standalone

	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%	-20%	-38%	-50%	-35%	4%	6%	8%	12%	14%	14%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

CASA Ratio
% ・Standalone data

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							xx,xxx	xx,xxx	xxx,xxx

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Gross Advances
Rs crore ・Standalone data

Gross NPA Ratio
% ・Standalone data

Net NPA Ratio
% ・Standalone data

PMJDY Accounts
Lakhs ・Standalone data

Retail Share of Gross Advances
% ・Standalone data

Mobile Banking Active Users
Lakhs ・Standalone data

UPI Transactional Value
Rs crore ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 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%
	0.32%	0.45%	0.46%	0.46%	0.42%	0.46%	0.54%	0.47%	0.52%	0.56%	0.45%	0.47%
	0.15%	0.15%	0.16%	0.17%	0.18%	0.18%	0.15%	0.11%	0.12%	0.08%	0.10%	0.19%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	4.80%	4.67%	4.65%	4.64%	4.69%	4.63%	4.59%	4.68%	4.65%	4.63%	4.71%	4.62%
No. of Shareholders	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	7,03,415

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 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%	0.47%
	18.62%	15.41%	12.15%	0.27%	0.15%	1.62%	0.36%	0.16%	0.15%	0.18%	0.08%	0.19%
	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%	4.62%
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	7,03,415

* 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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