# Bank of India (BANKINDIA) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/bankindia

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹138.57
- Change: -0.31%
- As of: 2026-11-06
- 1D return: -0.31%
- 5D return: +4.30%
- 1M return: +4.70%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

BANKINDIA closed at ₹139.0 on 2026-11-05, marking a +3.8% daily gain with high-severity volume participation. The stock is trading near the upper end of its 20-day range (+91.2%) and above key short-term averages (20-period EMA/SMA, 50-period SMA), supported by a bullish Supertrend signal on the daily chart. However, trend conviction is weak, indicated by a low Daily ADX of 13.26, while the weekly structure remains bearish with price below the 20/50 SMAs and Supertrend. Conversely, the monthly trend shows strong bullish momentum (ADX 68.59) with price above all major monthly averages. Immediate support lies at ₹137.7 (-0.94%), with resistance at ₹149.0 (+7.19%). The stock remains in a significant long-term drawdown (-21.6% from available highs) despite recent positive returns.

- Trend Divergence: Daily trend is technically bullish but weak (ADX 13.26); Weekly trend is bearish; Monthly trend is strongly bullish (ADX 68.59).
- Price Positioning: Trading at ₹139.0, near the top of the 20-day range (+91.2%) and above daily 20/50 SMAs, but below the 200-period SMA.
- Key Levels: Support at ₹137.7 (-0.94%) and ₹136.5 (-1.80%); Resistance at ₹149.0 (+7.19%) and ₹153.79 (+10.64%).
- Risk Profile: Annualized volatility stands at +33.2% with an ATR of 2.9%; current drawdown is -21.6% from the available high.

- Inside Bar
- Outside Bar
- Shooting Star
- Evening Star

### News Context

Bank of India adjusted its deposit pricing in early November 2026, raising rates by 10 to 35 basis points for maturities between one and three years. This move followed the Reserve Bank of India’s first policy rate hike in four years and coincided with a sharp contraction in systemic liquidity, which fell from over ₹11 lakh crore in early September to approximately ₹1.96 lakh crore. The bank also launched a new 500-day fixed deposit scheme alongside these revisions. In related sector developments, Systematix Institutional Equities reported divergent net interest margin trends for Q2 FY27, noting that while large private lenders saw an average contraction of 15 basis points, public sector banks expanded margins by 3 basis points. Additionally, lenders led by Canara Bank approved a ₹522-crore settlement from Supreme Housing, resolving debts of close to ₹700 crore.

- Bank of India raised deposit rates by 10–35 bps for 1–3 year tenors in response to tighter banking system liquidity (₹1.96 lakh crore) and higher funding costs following the RBI's recent rate hike.
- The bank introduced a new 500-day fixed deposit scheme as part of its liability management adjustments during the busy credit season.
- Systematix Institutional Equities noted that public sector banks expanded net interest margins by 3 basis points in Q2 FY27, contrasting with a 15 bps contraction in large private lenders.

- [HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135518880)
- [Lenders accept Supreme Housing's Rs 522-crore settlement offer](https://economictimes.indiatimes.com/industry/banking/finance/banking/lenders-accept-supreme-housings-rs-522-crore-settlement-offer/articleshow/135512532.cms)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://economictimes.indiatimes.com/industry/banking/finance/banking/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/articleshow/135472353.cms)
- [Bank of India revises FD rates, launches 500-day deposit; ICICI Bank offers up to 7.20 percent interest](https://www.moneycontrol.com/news/business/personal-finance/bank-of-india-revises-fd-rates-launches-500-day-deposit-icici-bank-offers-up-to-7-20-percent-interest-14067488.html)

### What Changed

Bank of India (BANKINDIA) has seen a price appreciation to ₹139.0 as of November 5, 2026, up from ₹133.9 in the prior snapshot. This shift coincides with fresh analyst coverage from Systematix Institutional Equities on November 6, 2026, which highlights divergent net interest margin (NIM) trends for Q2 FY27. While large private lenders faced an average NIM contraction of 15 basis points, public sector banks like Bank of India expanded margins by 3 basis points. The brokerage maintains a cautiously optimistic outlook, citing healthy credit growth and stable asset quality, though it identifies retail deposit mobilization and the transition to expected credit loss frameworks as key monitorables.

- Price Update: Stock closed at ₹139.0 on November 5, 2026, rising from the previous level of ₹133.9.
- Margin Expansion: Public sector banks saw a 3 basis point expansion in net interest margins during Q2 FY27, contrasting with a 15 basis point contraction in large private lenders.
- Analyst Outlook: Systematix Institutional Equities issued fresh price targets, maintaining a cautious optimism based on healthy credit growth and stable asset quality.
- Key Monitorables: Retail deposit mobilization and the transition to expected credit loss frameworks remain critical factors for the sector.

- [HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)

### Official Filings

Bank of India reported unaudited reviewed financial results for Q2 FY27 (ended September 30, 2026), showing a 25.32% year-over-year increase in net profit to ₹3,202 crore and an 18.52% rise in Net Interest Income to ₹7,007 crore. The bank’s asset quality improved significantly, with the Gross NPA ratio declining to 1.60% and Provision Coverage Ratio rising to 94.45%. Capital adequacy remains robust at 18.58% on a consolidated basis.

Regarding capital structure, the Board has approved a plan to raise ₹7,500 crore in FY27 through Additional Tier 1 (AT1) and Tier II bonds. This follows the recent redemption of ₹1,800 crore in Basel III compliant Tier II bonds. Management confirmed no immediate plans for government stake reduction or new equity raising beyond the approved bond issuance. On the liability side, the bank revised its Marginal Cost of Funds Based Lending Rate (MCLR) effective November 1, 2026, increasing three-month, six-month, and three-year tenors by 10 basis points each, while shorter-term rates remained unchanged.

- Q2 FY27 Net Profit rose 25.32% YoY to ₹3,202 crore; Consolidated CRAR stands at 18.58% as of September 30, 2026.
- Gross NPA declined to 1.60% with a Provision Coverage Ratio of 94.45%, indicating improved asset quality.
- Board approved a ₹7,500 crore capital raising plan for FY27 via AT1 and Tier II bonds; no immediate equity infusion planned.
- MCLR revised effective November 1, 2026: three-month rate up to 8.45%, six-month to 8.75%, and three-year to 9.00%.

- [Bank Of India has informed the Exchange about Transcript for Q2FY27 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA5_30102026155810_TranscriptQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding 'change in MCLR w.e.f.01.11.2026'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA2_29102026193525_mclr_nov.pdf)
- [Bank Of India has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170215_resultsQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding a press release dated October 23, 2026, titled "press release for the 2nd Quarter / Half Year Ended September 2026". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170713_PressreleaseQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Financial result for September 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171441_resultsQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Related party Transactions for September 2026 |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026172025_releatedpartyQ2FY27.pdf)
- [Statement of deviation/variation in use of Issue proceeds |SUBJECT: Statement of deviation/variation in use of Issue proceeds](https://nsearchives.nseindia.com/content/debt/WDM/BANKINDIA6_23102026172224_DEVATIONQ2FY27.pdf)
- [Bank Of India has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32 |SUBJECT: Statement of deviation(s) or variation(s) under Reg. 32](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026174621_DEVATIONQ2FY27.pdf)
- [Bank Of India has informed the Exchange about related Party Transactions for Q2FY2027. |SUBJECT: Related Party Transactions](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026174928_releatedpartyQ2FY27.pdf)

### Fundamentals

Bank of India demonstrates robust earnings expansion and balance-sheet growth in the first half of FY2026-27. Net profit rose sequentially from ₹3,138 crore in Q1 to ₹3,222 crore in Q2, with EPS increasing marginally from ₹7.25 to ₹7.27 per share. Revenue growth accelerated significantly, with interest earned jumping 15% year-on-year to ₹21,370 crore in Q2, up from ₹20,097 crore in Q1. However, this revenue surge was accompanied by a rise in interest expended to ₹14,263 crore, which caused operating profit to dip slightly by ₹6 crore to ₹5,132 crore. This indicates that while top-line momentum is strong, net interest margin compression or higher funding costs are offsetting some gains.

The balance sheet expanded materially, with total assets growing to ₹12,91,608 crore as of September 2026, driven by advances reaching ₹8,49,703 crore and deposits rising to ₹10,40,729 crore. Cash flow dynamics show a shift: cash from financing activities turned negative (-₹5,672 crore) in the trailing twelve months, contrasting with positive operating cash flows (₹4,753 crore). Long-term profitability metrics remain healthy, with ROE stable at 12% and compounded profit growth at 42% over three years. Institutional sentiment shows a divergence, with FIIs increasing their stake to 7.58% while DIIs reduced theirs to 13.38%.

The critical checkpoint for the next period is whether management can sustain the 15% revenue growth trajectory without further eroding operating margins, specifically by managing the gap between interest earned and expended.

- Earnings Growth: Net profit increased sequentially to ₹3,222 crore in Q2 FY2026-27, supported by a 15% YoY revenue jump to ₹21,370 crore.
- Margin Pressure: Operating profit declined marginally by ₹6 crore to ₹5,132 crore despite revenue growth, as interest expenditures rose sharply to ₹14,263 crore.
- Balance Sheet Expansion: Total assets grew to ₹12,91,608 crore, with advances at ₹8,49,703 crore and deposits at ₹10,40,729 crore as of Sep 2026.
- Institutional Shift: FII holding doubled to 7.58%, while DII holding contracted to 13.38%, signaling divergent institutional views.

### Bull Case

Bank of India demonstrates a constructive technical setup on longer timeframes, with the monthly trend remaining bullish as of November 5, 2026. The stock closed at ₹139.00, holding above immediate support levels near ₹137.70 and ₹136.50. While the weekly trend is bearish and the year-to-date return is -5.4%, the daily SuperTrend has flipped to bullish, suggesting short-term momentum may be stabilizing after a maximum drawdown of -28.7%. On the operational front, Bank of India expanded its net interest margin by 3 basis points in Q2 FY27, contrasting with contractions seen in large private lenders. Additionally, the bank raised deposit rates by 10–35 basis points for one- to three-year maturities, signaling active liability management amid tightening system liquidity.

- Monthly technical trend remains bullish despite weekly bearish signals and a YTD price decline of -5.4%.
- Daily SuperTrend turned bullish with the stock closing at ₹139.00, holding above key supports at ₹137.70 and ₹136.50.
- Q2 FY27 net interest margin expanded by 3 basis points, outperforming the average 15-basis-point contraction in large private lenders.
- Bank raised fixed deposit rates by 10–35 basis points for 1–3 year tenors to manage liability costs amid systemic liquidity tightness.

- [HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135518880)
- [Lenders accept Supreme Housing's Rs 522-crore settlement offer](https://economictimes.indiatimes.com/industry/banking/finance/banking/lenders-accept-supreme-housings-rs-522-crore-settlement-offer/articleshow/135512532.cms)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://economictimes.indiatimes.com/industry/banking/finance/banking/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/articleshow/135472353.cms)
- [Bank of India revises FD rates, launches 500-day deposit; ICICI Bank offers up to 7.20 percent interest](https://www.moneycontrol.com/news/business/personal-finance/bank-of-india-revises-fd-rates-launches-500-day-deposit-icici-bank-offers-up-to-7-20-percent-interest-14067488.html)
- [Bank Of India has informed the Exchange about Transcript for Q2FY27 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA5_30102026155810_TranscriptQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding 'change in MCLR w.e.f.01.11.2026'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA2_29102026193525_mclr_nov.pdf)
- [Bank Of India has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170215_resultsQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding a press release dated October 23, 2026, titled "press release for the 2nd Quarter / Half Year Ended September 2026". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170713_PressreleaseQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf)

### Bear Case

Bank of India faces near-term operational and market headwinds driven by tightening liquidity and technical weakness. Systemic banking liquidity has contracted sharply from over ₹11 lakh crore in early September to approximately ₹1.96 lakh crore, forcing the bank to raise deposit rates by 10 to 35 basis points for one- to three-year maturities to manage liability costs amid surging credit demand. This funding pressure coincides with a deteriorating technical setup; the weekly trend is bearish with an ADX of 19.43, while daily momentum indicators show the minus DI (21.76) approaching the plus DI (24.76). The stock has underperformed over longer horizons, posting a -5.4% year-to-date return and a -2.2% annualized return, alongside a current drawdown of -21.6% against a maximum drawdown of -28.7%. High volatility, evidenced by an annualized volatility of +33.2%, suggests significant price instability as the stock tests support levels near ₹135–₹137.

- Liquidity-driven cost pressure: Banking system liquidity fell to ~₹1.96 lakh crore, prompting Bank of India to hike deposit rates by 10–35 bps to attract funding.
- Weak long-term returns: The stock shows a -5.4% YTD return and -2.2% one-year return, with a current drawdown of -21.6%.
- Bearish weekly technicals: Weekly super-trend is bearish with weak directional movement (ADX 19.43), contrasting with daily bullish signals.
- Elevated volatility: Annualized volatility stands at +33.2% with downside deviation of +22.4%, indicating heightened risk.

- [HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135518880)
- [Lenders accept Supreme Housing's Rs 522-crore settlement offer](https://economictimes.indiatimes.com/industry/banking/finance/banking/lenders-accept-supreme-housings-rs-522-crore-settlement-offer/articleshow/135512532.cms)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://economictimes.indiatimes.com/industry/banking/finance/banking/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/articleshow/135472353.cms)
- [Bank of India revises FD rates, launches 500-day deposit; ICICI Bank offers up to 7.20 percent interest](https://www.moneycontrol.com/news/business/personal-finance/bank-of-india-revises-fd-rates-launches-500-day-deposit-icici-bank-offers-up-to-7-20-percent-interest-14067488.html)
- [Bank Of India has informed the Exchange about Transcript for Q2FY27 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA5_30102026155810_TranscriptQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding 'change in MCLR w.e.f.01.11.2026'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA2_29102026193525_mclr_nov.pdf)
- [Bank Of India has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170215_resultsQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding a press release dated October 23, 2026, titled "press release for the 2nd Quarter / Half Year Ended September 2026". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170713_PressreleaseQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf)

### FAQs

**How did Bank of India perform financially in Q2 FY27, and what is the guidance for the full year?**

For Q2 FY27 (ended September 30, 2026), Bank of India reported a net profit of ₹3,202 crore, up 25.32% year-over-year, with Net Interest Income rising 18.52% to ₹7,007 crore. Asset quality improved, with Gross NPA declining to 1.60% and Provision Coverage Ratio at 94.45%. Management has provided full-year guidance targeting global advance growth of 15-16% and deposit growth of 16-17%, while confirming no immediate plans for capital raising or government stake reduction.

**What recent changes have been made to lending rates and deposit pricing?**

Effective November 1, 2026, Bank of India revised its Marginal Cost of Funds Based Lending Rate (MCLR): the three-month MCLR increased to 8.45%, the six-month to 8.75%, and the three-year to 9.00%, while overnight and one-month rates remained unchanged. Concurrently, the bank raised fixed deposit rates by 10 to 35 basis points for maturities between one and three years to manage liability profiles amid tightening banking system liquidity.

**What are the key technical price levels and trends for Bank of India as of early November 2026?**

As of November 5, 2026, the stock closed at ₹139.00, showing a daily bullish supertrend but a weekly bearish supertrend. Key support levels are observed at ₹137.70 and ₹136.50, while resistance exists at ₹149.00 and ₹153.79. The stock has returned +3.8% over the past month but remains down -5.4% year-to-date, with an annualized volatility of +33.2%.

- [HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135518880)
- [Lenders accept Supreme Housing's Rs 522-crore settlement offer](https://economictimes.indiatimes.com/industry/banking/finance/banking/lenders-accept-supreme-housings-rs-522-crore-settlement-offer/articleshow/135512532.cms)
- [A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move](https://economictimes.indiatimes.com/industry/banking/finance/banking/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/articleshow/135472353.cms)
- [Bank of India revises FD rates, launches 500-day deposit; ICICI Bank offers up to 7.20 percent interest](https://www.moneycontrol.com/news/business/personal-finance/bank-of-india-revises-fd-rates-launches-500-day-deposit-icici-bank-offers-up-to-7-20-percent-interest-14067488.html)
- [Bank Of India has informed the Exchange about Transcript for Q2FY27 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA5_30102026155810_TranscriptQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding 'change in MCLR w.e.f.01.11.2026'. |SUBJECT: Updates](https://nsearchives.nseindia.com/corporate/BANKINDIA2_29102026193525_mclr_nov.pdf)
- [Bank Of India has submitted to the Exchange, the financial results for the period ended September 30, 2026. |SUBJECT: Outcome of Board Meeting](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170215_resultsQ2FY27.pdf)
- [Bank Of India has informed the Exchange regarding a press release dated October 23, 2026, titled "press release for the 2nd Quarter / Half Year Ended September 2026". |SUBJECT: Press Release](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170713_PressreleaseQ2FY27.pdf)
- [Bank Of India has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Weak Uptrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹137.98
- Risk regime: Price Risk Requires Attention

### Support levels
- 136.47482421874997
- 134.285
- 111.445

### Resistance levels
- 149
- 153.79000000000002
- 169.825

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | -0.31% |
| return_10 | +5.78% |
| return_1m | +4.85% |
| return_1y | -1.14% |
| return_20 | +4.70% |
| return_3m | -2.87% |
| return_5 | +4.30% |
| return_6m | -2.65% |
| return_since_start | +35.01% |
| return_ytd | -5.73% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | elevated_risk |
| label | Price risk requires attention |
| summary | Recent drawdown or price variability is high enough to warrant closer monitoring. |
| maximum_drawdown | -28.71% |
| annualized_volatility | +33.12% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# Bank Of India FY2026-27 Q2: Profit rises 28% year on year

Bank Of India reported profit after tax of ₹3,222 crore for the quarter ended 30 September 2026, up 27.6% year on year and 2.7% sequentially. Higher income and lower provisions supported the quarter-on-quarter increase, while operating expenses rose and operating profit before provisions was nearly unchanged. Advances expanded from March and a year earlier; CET1 eased from the prior quarter but remained above its year-earlier level.

## Income growth and operating profit

Total income increased 6.3% quarter on quarter to ₹24,137 crore. Interest earned rose 6.3% to ₹21,370 crore, while interest expended grew faster, by 8.4%, to ₹14,263 crore. Other income increased 5.8% to ₹2,767 crore.

Operating expenses rose 7.3% from Q1 FY2026-27 to ₹4,743 crore. Other operating expenses increased 14.4% to ₹2,034 crore and employee costs rose 2.6% to ₹2,709 crore. Operating profit before provisions and contingencies edged down 0.1% to ₹5,132 crore from ₹5,138 crore, despite higher income.

## Provisions and profit

Provisions other than tax and contingencies fell 16.5% quarter on quarter to ₹811 crore. Pre-tax profit increased 3.7% to ₹4,321 crore, while tax expense rose 6.8% to ₹1,099 crore. Profit after tax was ₹3,222 crore, up 2.7% from Q1.

Consolidated profit after minority interest and share of associates was ₹3,309 crore, compared with ₹3,303 crore in Q1. The share of profit of associates declined to ₹88 crore from ₹166 crore. Earnings per share was ₹7.27, little changed from ₹7.25 in Q1 and up from ₹5.66 in Q2 FY2025-26.

## Lending, deposits and capital

At 30 September 2026, advances were ₹8,49,703 crore, compared with ₹7,64,651 crore at 31 March 2026 and ₹6,99,643 crore at 30 September 2025. Deposits stood at ₹10,40,729 crore and total assets at ₹12,91,608 crore at quarter-end.

The CET1 ratio was 16.08%, down from 16.59% at 30 June 2026 but above 14.48% a year earlier. The additional Tier 1 ratio was 0.28%, compared with 0.30% in Q1 and 0.59% in Q2 FY2025-26.

## Key Takeaway

Year-on-year profit growth was strong, but the sequential increase was modest and came alongside lower provisions: operating profit before provisions was nearly flat as expenses rose. Advances continued to expand, while the quarter-on-quarter decline in CET1 merits monitoring.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q1
- As of: 2026-06-30
- Promoter holding: +73.38%
- FII holding: +6.87%
- DII holding: +13.96%
- Mutual fund holding: +4.13%
- Retail holding: +3.46%
- Promoter pledged: +0.00%

### Major reported shareholders

- PRESIDENT OF INDIA — +73.38%
- LIFE INSURANCE CORPORATION OF INDIA - P & GS Fund — +7.83%

## Official filings

- 2026-10-30 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA5_30102026155810_TranscriptQ2FY27.pdf)
- 2026-10-29 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_29102026193525_mclr_nov.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170215_resultsQ2FY27.pdf)
- 2026-10-23 — Press Release: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026170713_PressreleaseQ2FY27.pdf)
- 2026-10-23 — Earnings Presentation: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171441_resultsQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026172025_releatedpartyQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/BANKINDIA6_23102026172224_DEVATIONQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026174621_DEVATIONQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026174928_releatedpartyQ2FY27.pdf)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1744970_23102026070356_WEB.xml)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1744971_23102026070434_WEB.xml)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_23102026194231_audiorecordingQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1600_WebXMLFile_20261023_195522026.xml)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_23102026195028_audiorecordingQ2FY27.pdf)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1600_WebXMLFile_20261023_200147550.xml)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1745048_23102026081530_WEB.xml)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1745031_23102026081326_WEB.xml)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1745045_23102026081514_WEB.xml)
- 2026-10-23 — Financial Results Filing: Bank Of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1745032_23102026081331_WEB.xml)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1600_WebXMLFile_20261023_202431278.xml)
- 2026-10-23 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_1600_WebXMLFile_20261023_202422637.xml)
- 2026-10-21 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_21102026154305_Recon_sharecapital.pdf)
- 2026-10-16 — Board Meeting Notice: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_16102026124859_boardmeetingintimationq2.pdf)
- 2026-10-16 — Generic Announcement: Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/BANKINDIA2_16102026125223_analystmeetq2fy27.pdf)

## News and market events

- 2026-11-06 — BUSINESSTODAY: **HDFC Bank, SBI, ICICI Bank, Kotak Bank, Axis Bank, BoB: Check fresh price targets for banking stocks** — Systematix Institutional Equities reports divergent net interest margin trends for Indian banks in Q2 FY27, with large private lenders seeing an average contraction of 15 basis points while public sector banks expanded by 3 basis points. The brokerage maintains a cautiously optimistic outlook on the sector, citing healthy credit growth and stable asset quality, though it highlights retail deposit mobilization and the transition to expected credit loss frameworks as key monitorables. Consequently, Systematix has issued fresh price targets for major lenders including ICICI Bank, SBI, and HDFC Ba — [Source](https://www.businesstoday.in/markets/trending-stocks/story/hdfc-bank-sbi-icici-bank-kotak-bank-axis-bank-bob-check-fresh-price-targets-for-banking-stocks-566195-2026-11-06)
- 2026-11-04 — Economic Times: **A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move** — Bank of India has raised deposit rates by 10 to 35 basis points for maturities between one and three years, becoming the second lender to adjust pricing amid tightening banking system liquidity. This move follows a month after the Reserve Bank of India's first policy rate hike in four years, as systemic liquidity dropped from over ₹11 lakh crore in early September to approximately ₹1.96 lakh crore. The adjustment reflects higher costs for deposits and a need to manage liability profiles as credit demand surges during the busy season. — [Source](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135518880)
- 2026-11-03 — Economic Times: **Lenders accept Supreme Housing's Rs 522-crore settlement offer** — Lenders led by Canara Bank have approved a ₹522-crore one-time settlement offer from Supreme Housing and Hospitality, resolving debts of close to ₹700 crore with a recovery rate just short of 75%. The agreement covers both fund-based exposure for Canara Bank and non-fund exposure arising from corporate guarantees given to subsidiary entities. This resolution marks a major milestone in the company's financial restructuring and will now be submitted to the NCLT for final approval. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/lenders-accept-supreme-housings-rs-522-crore-settlement-offer/articleshow/135512532.cms)
- 2026-11-03 — Economic Times: **A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move** — Domestic banks, led by Bank of India, are raising deposit rates as banking system liquidity has tightened significantly from its September peak due to bond sales and the waning impact of FCNR(B) inflows. This adjustment reflects higher funding costs amid surging credit demand during the busy season, although analysts note that large lenders may delay broader hikes to preserve margins until next quarter. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/articleshow/135472353.cms)
- 2026-11-03 — MONEYCONTROL: **Bank of India revises FD rates, launches 500-day deposit; ICICI Bank offers up to 7.20 percent interest** — Bank of India has revised its fixed deposit rates and introduced a new 500-day deposit scheme. Concurrently, ICICI Bank is offering interest rates of up to 7.20 percent on its deposits. — [Source](https://www.moneycontrol.com/news/business/personal-finance/bank-of-india-revises-fd-rates-launches-500-day-deposit-icici-bank-offers-up-to-7-20-percent-interest-14067488.html)
- 2026-11-03 — Economic Times: **PNB, Canara Bank revise FD interest rates: Senior citizens can earn up to 7.25%; compare latest rates - The Economic Times** — Punjab National Bank and Canara Bank have revised their fixed deposit interest rates effective November 1 and 2, 2026, respectively, with senior citizens eligible for returns up to 7.25% at Canara Bank and 7.10% at PNB. These updates follow a recent revision by Bank of India, which introduced a special 500-day scheme offering 7.35% to senior citizens. The revised rates apply to domestic term deposits below Rs 3 crore across various tenures. — [Source](https://economictimes.indiatimes.com/wealth/invest/pnb-canara-bank-revise-fd-interest-rates-senior-citizens-can-earn-up-to-7-25-compare-latest-rates/articleshow/135485383.cms)
- 2026-11-03 — Economic Times: **A month after RBI’s rate hike, banks start raising deposit rates as liquidity shrinks, Bank of India the latest to move** — Bank of India has raised deposit rates for various maturities, including a new 500-day option, citing tighter liquidity and higher costs. This move follows similar actions by Indian Bank and comes as banking system liquidity drops significantly from September peaks. — [Source](https://cfo.economictimes.indiatimes.com/news/strategy-operations/a-month-after-rbis-rate-hike-banks-start-raising-deposit-rates-as-liquidity-shrinks-bank-of-india-the-latest-to-move/135479484)
- 2026-11-02 — Mint: **FD interest rates: This government bank hikes rates, launches new deposit scheme – Check details | Mint** — Bank of India has revised its fixed deposit interest rates effective November 2, following the Reserve Bank of India's repo rate hike. The public sector lender introduced a new 'Star Akshay' special deposit scheme with a 500-day tenure and updated rates for retail deposits up to ₹3 crore, as well as bulk deposits between ₹3 crore and ₹10 crore. — [Source](https://www.livemint.com/money/personal-finance/fd-interest-rates-this-government-bank-hikes-rates-launches-new-deposit-scheme-check-details-11793615771493.html)
- 2026-11-02 — News18: **Good News For FD Investors: Interest Rates Increased On 1- To 3-Year Deposits** — Bank of India has increased fixed deposit interest rates for tenures ranging from one to three years, aligning with recent shifts in RBI repo rates. The bank also launched the Star Akshay 500-day scheme, offering 6.85 percent for general retail customers and higher yields for senior citizens. — [Source](https://www.news18.com/photogallery/business/banking-finance/bank-of-india-hikes-fd-rates-check-new-interest-rates-and-schemes-ws-l-10408506.html)
- 2026-11-02 — BUSINESSTODAY: **Bank of India waives processing fees on home, car loans till March 2027; check eligibility** — Bank of India announced a 100% waiver of processing charges on eligible home and four-wheeler loans until March 31, 2027. The initiative aims to reduce upfront borrowing expenses and encourage retail lending in the housing and vehicle financing segments. — [Source](https://www.businesstoday.in/industry/banks/story/bank-of-india-waives-processing-fees-on-home-car-loans-till-march-2027-check-eligibility-565124-2026-11-02)
- 2026-10-27 — CNBC-TV18: **Indian lenders defer dollar debt sale plan as rates turn expensive** — At least four Indian staterun and private lenders are deferring their plans to tap the US dollar debt market as a recent spike in Treasury yields and hedging costs has made this proposition expensive, bank officials and merchant bankers said. — [Source](https://www.cnbctv18.com/business/indian-lenders-defer-dollar-debt-sale-plan-as-rates-turn-expensive-20020764.htm)
- 2026-10-27 — BUSINESSTODAY: **BHEL, Bharati Airtel, Bank of India: Top stocks to trade — Check key levels, targets & stop loss** — Indian equity benchmark indices managed to post decent gains on Monday led by value buying in select pockets despite elevated crude oil prices and geopolitical concerns amid busy Q2 earning season. — [Source](https://www.businesstoday.in/markets/trending-stocks/story/bhel-bharati-airtel-bank-of-india-top-stocks-to-trade-check-key-levels-targets-stop-loss-563829-2026-10-27)
- 2026-10-26 — MONEYCONTROL: **Bank of India shares fall up to 5.5% post-Q2 results as global NIM falls to 2.47% QoQ** — Bank of India shares fall up to 5.5% post-Q2 results as global NIM falls to 2.47% QoQ Follow Us On: Stocks: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Others Trending Topics more Sensex Today Jio IPO Allotment Jamia Protest UP Polls 2027 Rahul Gandhi Infosys Share Price Aamir Khan Small Cap Stocks Cyclone Arnab Dhanush News more Business Markets Stocks India News City News Economy Mutual Funds Personal Finance IPO News Startups Markets more Home Currencies Commodities Pre-Market IPO Global Market US Markets Bonds Silver MCX Price Gold MCX Price Personal Finance more Home Loans up to 5 — [Source](https://www.moneycontrol.com/news/business/markets/bank-of-india-shares-fall-up-to-5-5-post-q2-results-as-global-nim-falls-to-2-47-qoq-14060196.html)
- 2026-10-26 — Mint: **Top stocks to watch today: Paytm, Mankind Pharma, Infosys, BPCL shares in focus on Monday, 26 Oct | Full list** — Top stocks to watch today: Paytm, Mankind Pharma, Tata Consumer, ITC Hotels, Infosys, BPCL, Kotak Mahindra Bank, Coforge among shares in focus on Monday. — [Source](https://www.livemint.com/market/stock-market-news/top-stocks-to-watch-today-paytm-mankind-pharma-infosys-bpcl-shares-in-focus-on-monday-26-oct-full-list-11792978063209.html)
- 2026-10-26 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Nifty aims to protect lower levels amidst higher oil, expiries, results deluge** — Sensex Today | Stock Market LIVE Updates: Crude oil prices remain higher, the Fed announces its interest rate decision this week, geopolitical tensions remain elevated, there are nearly 250 companies reporting numbers this week, and both the Nifty and the Sensex will also be having their monthly expiries during the course of this week. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-nifty-50-sensex-today-oil-banks-it-midcaps-smallcaps-infosys-kotak-idfc-boi-tata-motors-bpcl-share-price-liveblog-20018878.htm)
- 2026-10-23 — Mint: **Bank of India expects NIM to rise to 2.55% in H2 FY27 after RBI rate hike | Mint** — Bank of India expects margins to improve in H2 FY27 as faster loan repricing offsets slower deposit-cost increases, while strong FCNR(B) inflows boost liquidity but weigh on near-term NIMs. — [Source](https://www.livemint.com/industry/banking/bank-of-india-expects-nim-to-rise-to-2-55-in-h2-fy27-after-rbi-rate-hike-11792763396749.html)
- 2026-10-23 — MONEYCONTROL: **Bank of India sees NIM improving to 2.55% in H2 FY27 after RBI rate hike** — Bank of India sees NIM improving to 2.55% in H2 FY27 after RBI rate hike Follow Us On: Stocks: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Others Trending Topics more Sensex Today Jio IPO Tonbo Imaging share price UP Elections iPhone Duo Elon Musk Annamalai Piyush Goyal Donald Trump Sonam Wangchuk News more Business Markets Stocks India News City News Economy Mutual Funds Personal Finance IPO News Startups Markets more Home Currencies Commodities Pre-Market IPO Global Market US Markets Bonds Silver MCX Price Gold MCX Price Personal Finance more Home Loans up to 50 Lakhs Credit Cards Li — [Source](https://www.moneycontrol.com/news/business/banks/bank-of-india-sees-nim-improving-to-2-55-in-h2-fy27-after-rbi-rate-hike-14058844.html)
- 2026-10-23 — The Hindu: **Bank of India’s Q2FY27 net profit up 25% at ₹3,202 crore** — Bank of India posts 25% Q2FY27 profit rise to ₹3,202 crore, aided by NII growth and higher income despite rising NPAs. — [Source](https://www.thehindubusinessline.com/money-and-banking/bank-of-indias-q2fy27-net-profit-up-25-at-3202-crore/article71616947.ece)
- 2026-10-23 — MONEYCONTROL: **Bank of India Q2 net profit grows 18.68%; global profit rises 25% to Rs 3,202 crore on strong NII growth** — Bank of India Q2 net profit grows 18.68%; global profit rises 25% to Rs 3,202 crore on strong NII growth Global net interest income rises 19 percent to Rs 7,007 crore; domestic advances grow 17.84 percent, led by retail, agriculture and MSME lending Anupreksha Jain October 23, 2026 / 18:48 IST Bank of India Bank of India reported 18.68 percent year-on-year growth in net profit in the September quarter of FY27, while its global net profit rose 25 percent to Rs 3,202 crore, supported by healthy growth in net interest income (NII). — [Source](https://www.moneycontrol.com/news/business/banks/bank-of-india-q2-net-profit-grows-18-68-global-profit-rises-25-to-rs-3-202-crore-on-strong-nii-growth-14058779.html)
- 2026-10-23 — CNBC-TV18: **Bank of India Q2 profit jumps 25% on stronger core income, better asset quality** — Bank of India reported a 25.3% year-on-year rise in September-quarter net profit, supported by strong growth in net interest income and operating profit. Asset quality improved, while global business expanded 21.1% to ₹18.93 lakh crore. — [Source](https://www.cnbctv18.com/market/earnings/bank-of-india-q2-results-profit-jumps-25-pc-stronger-core-income-asset-quality-20018198.htm)
- 2026-10-23 — FREEPRESSJOURNAL.IN: **Bank Of India Q2 Net Profit Jumps 25.34% To ₹3,202 Crore, Operating Profit Up 33.19%** — Bank of India’s net profit increased by 25.34 per cent year-on-year to ₹3,202 crore for the second quarter ended 30 September 2026. The bank’s operating profit also grew by 33.19 per cent to ₹5,089 crore for the same period. — [Source](https://www.freepressjournal.in/business/bank-of-india-q2-net-profit-jumps-2534-to-3202-crore-operating-profit-up-3319)
- 2026-10-19 — Economic Times: **PSU bank stocks soar up to 8%, but HDFC, Axis and other private lenders fall up to 5% after Q2 results. Why the sharp divide?** — PSU bank stocks surged up to 8% on Monday, led by Punjab National Bank after its Q2FY27 earnings beat estimates. In contrast, private lenders such as Axis Bank and HDFC Bank fell up to 5% despite reporting profit growth. The Nifty PSU Bank index gained over 2%, while its private-sector counterpart declined. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/psu-bank-stocks-soar-up-to-8-but-hdfc-axis-and-other-private-lenders-fall-up-to-5-after-q2-results-why-the-sharp-divide/articleshow/135041687.cms)
- 2026-10-16 — MONEYCONTROL: **FD rates by major banks: Know where you can earn up to 8.25% interest** — fixed deposit interest rates 2026, highest fd interest rates, small finance bank fd rates, rbi repo rate hike impact on fd, suryoday small finance bank fd rate, best fd rates private banks, public sector bank fd rates, senior citizen fixed deposit rates — [Source](https://www.moneycontrol.com/news/business/personal-finance/fd-rates-by-major-banks-know-where-you-can-earn-up-to-8-25-interest-3-14053693.html)
- 2026-10-16 — Mint: **Consolidated Account Statement covers stocks, mutual funds and NPS. Could insurance be next? | Mint** — SEBI is exploring the inclusion of insurance policy details in the Consolidated Account Statement (CAS), which already covers investments such as mutual funds, equities, debt securities and NPS. — [Source](https://www.livemint.com/money/personal-finance/consolidated-account-statement-covers-stocks-mutual-funds-and-nps-could-insurance-be-next-11792112410400.html)
- 2026-10-13 — MONEYCONTROL: **RBI expects surplus liquidity in banking system to decline over next few months: Governor Malhotra** — RBI, sanjay malhotra — [Source](https://www.moneycontrol.com/news/business/banks/rbi-expects-surplus-liquidity-in-banking-system-to-decline-over-next-few-months-governor-malhotra-14051240.html)

## Business profile

**Strategic vision:** Indian public sector bank providing financial services.

### Business segments
- **Wealth Management:** Bank of India is enhancing its wealth management services, which include mutual funds, insurance, and various investment products. It has a mutual fund subsidiary and partnerships with insurance companies.
- **Core Banking Services:** As a public sector bank, Bank of India typically offers a comprehensive suite of banking services to retail, corporate, and institutional clients.

### Competitive strengths
- Public sector bank status
- National and international operational presence

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## Freshness and sources

- Data as of: 2026-11-06
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/bankindia
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