# Central Bank of India (CENTRALBK) — Stock analysis

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

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹30.6
- Change: +0.00%
- As of: 2026-11-06
- 1D return: +0.00%
- 5D return: +6.51%
- 1M return: +2.03%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

As of 2026-11-06, CENTRALBK (₹30.6) exhibits a fragmented technical structure with conflicting signals across timeframes. The daily chart shows price trading above short-term moving averages (20-day and 50-day EMA/SMA), yet it remains below the 200-day SMA and the Supertrend, which is bearish. Daily trend strength is weak (ADX 13.61), indicating low conviction despite a recent +2.3% upward gap on 2026-11-05. This was immediately followed by a neutral downward gap on 2026-11-06, suggesting indecision. In contrast, the monthly trend is strong (ADX 48.45) and bullish, while the weekly trend is bearish with weak momentum (ADX 14.25). Price sits in the upper-middle of its 20-day range (+61.9%) but near the lower end of its 252-day range (+18.5%). Risk remains elevated with an annualized volatility of +33.5% and a current drawdown of -44.7%. Immediate resistance lies at ₹30.87 (0.87% above) and support at ₹30.58 (0.05% below).

- Timeframe Conflict: Daily price is above short-term EMAs but below the 200-day SMA and Supertrend; Monthly trend is strong/bullish (ADX 48.45); Weekly trend is weak/bearish.
- Momentum & Volatility: Daily ADX is low at 13.61 (weak trend). Annualized volatility is high at +33.5%, with ATR at 2.36%.
- Key Levels: Resistance at ₹30.87 (0.87% up) and ₹31.13 (1.74% up). Support at ₹30.58 (pivot) and ₹30.32 (low).
- Risk Profile: Current drawdown is -44.7% from available highs. Price is positioned +18.5% above the 252-day range low.

- Outside Bar
- Bearish Engulfing Reversal
- Doji

### News Context

Central Bank of India reported management changes and investor engagement in early November 2026. On October 31, 2026, the bank notified the NSE and BSE that Ms. Poppy Sharma, Chief General Manager – Customer Care Department, ceased her role as Senior Management Personnel due to superannuation. Simultaneously, three executives were promoted: P. Anup Kumar was appointed Chief General Manager, while Pankaj Kumar and Meher Kumar Panigrahi were appointed General Managers, effective November 1, 2026. On November 2, 2026, the bank held an Analyst/Investor Meet, participating in one-on-one sessions with Aditya Birla Capital and Antique Stock Broking Limited. The filing confirmed that only publicly available information was discussed during these interactions.

Market data as of November 6, 2026, shows the stock trading at ₹30.60 on the NSE, with a market capitalization of approximately ₹27,697 crore. Daily technical indicators are bearish, with the Supertrend direction signaling downside pressure and the ADX at 13.61 suggesting weak trend strength. However, monthly trends remain bullish with an ADX of 48.45. The stock has declined 19.7% over the past year and is down 18.6% year-to-date, though it gained 6.1% over the last ten days. Resistance levels are noted near ₹30.87 and ₹31.13, while support sits around ₹30.58.

- Management Transition: Ms. Poppy Sharma retired on October 31, 2026; P. Anup Kumar, Pankaj Kumar, and Meher Kumar Panigrahi were appointed to senior roles effective November 1, 2026.
- Investor Engagement: An Analyst/Investor Meet was held on November 2, 2026, with Aditya Birla Capital and Antique Stock Broking Limited, limited to public domain information.
- Price Action: The stock closed at ₹30.60 on November 6, 2026, with a daily market turnover of ₹35.82 crore and volume of 37.46 lakh shares.
- Technical Outlook: Daily trends are bearish (Supertrend: bearish, ADX: 13.61), contrasting with a bullish monthly trend (ADX: 48.45); the stock is down 19.7% over the trailing year.

- Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 02nd November, 2026. |SUBJECT: General Updates
- Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
- Central Bank of India has informed the Exchange about Retirement of Ms Poppy Sharma |SUBJECT: Retirement
- Central Bank of India has informed the Exchange about change in Management |SUBJECT: Change in Management

### Official Filings

Central Bank of India reported Q2 FY2027 net profit of ₹1,469 crore, a 21% year-on-year increase, with total business growing 20.54% to ₹8,89,541 crore. Asset quality remains strong, with gross and net NPAs at 2.39% and 0.31%, respectively. Management indicated estimated Expected Credit Loss (ECL) provisioning needs of ₹5,000–5,500 crore; while ₹1,525 crore has been provided, the bank has not yet decided whether to book the remaining amount as a one-time hit or stagger it. Additionally, the bank confirmed that its RTGS outward system is fully operational following a technical issue in late October, with no customer financial losses reported. Leadership changes include the superannuation of Senior Management Personnel Poppy Sharma on October 31, 2026, and the appointment of P. Anup Kumar, Pankaj Kumar, and Meher Kumar Panigrahi as senior executives effective November 1, 2026.

- Q2 FY2027 Net Profit: ₹1,469 crore (+21% YoY); Total Business: ₹8,89,541 crore (+20.54%).
- Asset Quality: Gross NPA at 2.39%; Net NPA at 0.31%.
- Provisioning Status: Estimated ECL requirement of ₹5,000–5,500 crore; ₹1,525 crore already provided; decision pending on booking the balance.
- Leadership Transition: Poppy Sharma retired on Oct 31, 2026; three new senior managers appointed effective Nov 1, 2026.

- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 02nd November, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_02112026165624_Final_SE_outcome_02112026.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_175502708.xml)
- [Central Bank of India has informed the Exchange about Retirement of Ms Poppy Sharma |SUBJECT: Retirement](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026175354_Final_SE_CGM_PoppySharma.pdf)
- [Central Bank of India has informed the Exchange about change in Management |SUBJECT: Change in Management](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026224723_SE_Appointment_CGM_GM.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_230645400.xml)
- [Central Bank of India has informed the Exchange about General Updates on Analyst/Investor meet held on 29th October, 2026 |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_29102026175518_SE_outcome_29102026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 26th October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026170332_Final_SE_outcome_26102026.pdf)
- [Central Bank of India has informed the Exchange about Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026173647_Final_SE_RTGS_Issue_Press_Release.pdf)
- [Central Bank of India has informed the Exchange about Transcript of Bank's Conference/Earnings call held on 19th October, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_23102026164728_SE_Transcript_Sep_2026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 22nd October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_22102026143646_Final_SE_outcome_22102026.pdf)

### Fundamentals

Central Bank of India demonstrates improving earnings momentum and asset quality in Q2 FY2026-27. Net profit rose sequentially to ₹1,486 crore (EPS: ₹1.64), driven by a 18% YoY revenue increase to ₹10,394 crore. Operating profit grew to ₹2,279 crore, though Profit Before Tax dipped slightly to ₹1,715 crore due to higher interest expenditure (₹6,227 crore) and increased provisions (₹564 crore). Asset quality remains robust, with Gross NPA ratio falling to 0.02% and gross NPAs declining to ₹9,192 crore. Cash flow from operations turned positive at ₹2,804 crore for Mar 2026, supporting the bank's liquidity. Shareholding shows a shift, with promoter holding decreasing to 81.19% while DIIs increased to 10.63%.

- Q2 FY2026-27 net profit reached ₹1,486 crore (EPS ₹1.64), up from ₹1,323 crore in Q1, supported by 18% YoY revenue growth.
- Gross NPA ratio improved to 0.02%, with gross NPAs declining sequentially to ₹9,192 crore, indicating strong asset quality.
- Interest expenditure rose to ₹6,227 crore and provisions increased to ₹564 crore, partially offsetting operating profit gains.
- Cash from operating activities turned positive at ₹2,804 crore in FY2026, signaling improved operational cash generation.

### Bear Case

Central Bank of India (NSE: CENTRALBK) exhibits significant technical weakness and elevated volatility as of 6 November 2026. The daily Supertrend is bearish, with the price closing at ₹30.60 near immediate support levels. Momentum indicators show divergence; while the monthly trend remains bullish, the weekly and daily trends are bearish, with the Average Directional Index (ADX) at 13.61 on the daily chart indicating weak trend strength despite the directional bias. Performance metrics highlight substantial downside pressure, with a year-to-date return of -18.6% and a one-year return of -19.7%. The stock has experienced a maximum drawdown of -48.1%, with the current drawdown standing at -44.7%. Annualized volatility is high at +33.5%, suggesting continued price instability. Resistance is clustered closely above, starting at ₹30.87 (0.87% away), which may cap upside potential in the near term.

- Daily trend is bearish with price at ₹30.60; resistance is tight at ₹30.87 (0.87% above).
- Performance shows significant underperformance: YTD return -18.6%, 1Y return -19.7%, and current drawdown -44.7%.
- Elevated risk profile with annualized volatility of +33.5% and maximum historical drawdown of -48.1%.
- Momentum divergence exists: monthly Supertrend is bullish, but weekly and daily Supertrends are bearish.

- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 02nd November, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_02112026165624_Final_SE_outcome_02112026.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_175502708.xml)
- [Central Bank of India has informed the Exchange about Retirement of Ms Poppy Sharma |SUBJECT: Retirement](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026175354_Final_SE_CGM_PoppySharma.pdf)
- [Central Bank of India has informed the Exchange about change in Management |SUBJECT: Change in Management](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026224723_SE_Appointment_CGM_GM.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_230645400.xml)
- [Central Bank of India has informed the Exchange about General Updates on Analyst/Investor meet held on 29th October, 2026 |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_29102026175518_SE_outcome_29102026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 26th October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026170332_Final_SE_outcome_26102026.pdf)
- [Central Bank of India has informed the Exchange about Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026173647_Final_SE_RTGS_Issue_Press_Release.pdf)
- [Central Bank of India has informed the Exchange about Transcript of Bank's Conference/Earnings call held on 19th October, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_23102026164728_SE_Transcript_Sep_2026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 22nd October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_22102026143646_Final_SE_outcome_22102026.pdf)

### FAQs

**What recent management changes has Central Bank of India reported?**

On 31 October 2026, the bank announced that Ms. Poppy Sharma ceased to be a Senior Management Personnel due to superannuation. Simultaneously, it appointed three new executives effective 1 November 2026: P. Anup Kumar as Chief General Manager, and Pankaj Kumar and Meher Kumar Panigrahi as General Managers.

**How is the stock performing over different time horizons?**

As of 6 November 2026, the stock has declined -19.7% over the past year and -18.6% year-to-date. Recent performance shows a +6.5% gain over five days and +6.1% over ten days, contrasting with a -2.9% drop over the last three months and a -16.7% decline over six months.

**What are the key technical support and resistance levels?**

Trading at ₹30.60 on 6 November 2026, immediate support sits at ₹30.58 (pivot) and ₹30.32 (low). Resistance levels are identified at ₹30.87, ₹31.13, and ₹31.42. The daily trend is bearish, while the monthly trend remains bullish.

**What investor engagement activities occurred recently?**

On 2 November 2026, Central Bank of India held an Analyst/Investor Meet. Management participated in one-on-one meetings with Aditya Birla Capital and Antique Stock Broking Limited. The bank confirmed that only publicly available information was discussed during these interactions.

- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 02nd November, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_02112026165624_Final_SE_outcome_02112026.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_175502708.xml)
- [Central Bank of India has informed the Exchange about Retirement of Ms Poppy Sharma |SUBJECT: Retirement](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026175354_Final_SE_CGM_PoppySharma.pdf)
- [Central Bank of India has informed the Exchange about change in Management |SUBJECT: Change in Management](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026224723_SE_Appointment_CGM_GM.pdf)
- [Central Bank of India has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_230645400.xml)
- [Central Bank of India has informed the Exchange about General Updates on Analyst/Investor meet held on 29th October, 2026 |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_29102026175518_SE_outcome_29102026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 26th October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026170332_Final_SE_outcome_26102026.pdf)
- [Central Bank of India has informed the Exchange about Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026173647_Final_SE_RTGS_Issue_Press_Release.pdf)
- [Central Bank of India has informed the Exchange about Transcript of Bank's Conference/Earnings call held on 19th October, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_23102026164728_SE_Transcript_Sep_2026.pdf)
- [Central Bank of India has informed the Exchange about Analyst/Investor Meet held on 22nd October, 2026. |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/CENTRALBK_22102026143646_Final_SE_outcome_22102026.pdf)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Weak Uptrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹30.58
- Risk regime: Higher Price Risk

### Support levels
- 30.32
- 29.8225
- 29.32

### Resistance levels
- 37.065
- 38.595390625
- 39.69

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +0.00% |
| return_10 | +6.14% |
| return_1m | +1.36% |
| return_1y | -19.71% |
| return_20 | +2.03% |
| return_3m | -2.89% |
| return_5 | +6.51% |
| return_6m | -16.69% |
| return_since_start | -43.16% |
| return_ytd | -18.62% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | high_risk |
| label | Higher price risk |
| summary | Recent drawdown or price variability is materially high and may lead to larger short-term outcomes. |
| maximum_drawdown | -48.08% |
| annualized_volatility | +33.51% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# Central Bank of India FY2026-27 Q2: Profit rises 11% sequentially

Central Bank of India’s profit for the quarter ended 30 September 2026 rose 11% sequentially to ₹1,475 crore, although profit before tax fell 4% to ₹1,715 crore. Higher income was partly offset by faster growth in operating expenses and provisions; a lower tax expense supported the increase in profit. Gross and net NPA ratios improved from the previous quarter.

## Income and operating performance

Total income increased 9.9% quarter on quarter to ₹11,774 crore and was up 14.5% year on year. Interest earned rose 6.9% sequentially to ₹10,394 crore, while interest expended increased 7.5% to ₹6,227 crore. Other income rose 39.7% from Q1 FY2026-27 to ₹1,380 crore, but was 8.4% lower than in Q2 FY2025-26.

Operating expenses increased 20.0% sequentially to ₹3,268 crore. Employee costs rose 17.8% to ₹2,077 crore and other operating expenses grew 24.0% to ₹1,191 crore. Expenditure excluding provisions and contingencies increased 11.5% to ₹9,495 crore. Operating profit before provisions and contingencies rose 3.8% to ₹2,279 crore, slower than the increase in total income.

## Provisions, tax and profit

Provisions other than tax and contingencies increased 39.3% quarter on quarter to ₹564 crore. Profit before tax declined 4.3% to ₹1,715 crore from ₹1,791 crore in Q1 FY2026-27. Tax expense fell 48.1% to ₹240 crore from ₹462 crore, supporting the rise in profit for the period to ₹1,475 crore, up from ₹1,329 crore in Q1 and ₹1,220 crore in Q2 FY2025-26.

Basic EPS was ₹1.64, compared with ₹1.46 in Q1 FY2026-27 and ₹1.36 in Q2 FY2025-26. Return on assets was 1.05%, against 0.99% in Q1 and 1.02% a year earlier. The share of profit of associates was ₹13 crore, versus a loss of ₹4 crore in the previous quarter.

## Asset quality

Gross NPAs declined 1.3% sequentially to ₹9,192 crore at 30 September 2026, while net NPAs fell 32.5% to ₹1,193 crore. The gross NPA ratio eased to 2.40% from 2.61% at 30 June 2026; the net NPA ratio declined to 0.32% from 0.51%. Year on year, gross NPAs were 3.3% higher and net NPAs were 15.3% lower.

## Balance sheet and funding

Advances stood at ₹3,74,377 crore at 30 September 2026, up from ₹3,38,209 crore at 31 March 2026 and ₹2,87,209 crore at 30 September 2025. Deposits were ₹5,08,863 crore, compared with ₹4,68,444 crore at 31 March 2026 and ₹4,45,053 crore a year earlier. Total assets reached ₹5,99,022 crore, up from ₹5,51,079 crore at 31 March 2026.

Borrowings increased to ₹38,908 crore from ₹31,854 crore at 31 March 2026 and ₹12,399 crore at 30 September 2025. The larger borrowing balance alongside growth in deposits and advances is a notable funding development.

## Capital and ownership

The CET1 ratio was 15.97% at 30 September 2026, up from 14.98% a year earlier. The Government of India held 81.19% of the bank, unchanged from the previous quarter and down from 89.27% at 30 September 2025.

## Key Takeaway

Sequential profit growth was supported by a substantially lower tax expense, despite a decline in pre-tax profit as operating costs and provisions rose. Asset-quality ratios improved and the balance sheet expanded, while the increase in borrowings stands out as a funding trend to monitor.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q2
- As of: 2026-09-30
- Promoter holding: +81.19%
- FII holding: +1.29%
- DII holding: +10.63%
- Mutual fund holding: +2.51%
- Retail holding: +4.09%
- Promoter pledged: +0.00%

### Major reported shareholders

- President of India — +81.19%
- Life Insurance Corporation of India — +6.44%
- ICICI Prudential Value Fund — +1.90%
- Body Corp-Ltd Liability Partnership — +0.01% (Others)

## Official filings

- 2026-11-06 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_06112026164246_SE_Analyst06112026.pdf)
- 2026-11-02 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_02112026165624_Final_SE_outcome_02112026.pdf)
- 2026-10-31 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_175502708.xml)
- 2026-10-31 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026175354_Final_SE_CGM_PoppySharma.pdf)
- 2026-10-31 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_31102026224723_SE_Appointment_CGM_GM.pdf)
- 2026-10-31 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2642_WebXMLFile_20261031_230645400.xml)
- 2026-10-29 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_29102026175518_SE_outcome_29102026.pdf)
- 2026-10-26 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026170332_Final_SE_outcome_26102026.pdf)
- 2026-10-26 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_26102026173647_Final_SE_RTGS_Issue_Press_Release.pdf)
- 2026-10-23 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_23102026164728_SE_Transcript_Sep_2026.pdf)
- 2026-10-22 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_22102026143646_Final_SE_outcome_22102026.pdf)
- 2026-10-21 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_21102026175216_Final_SE_outcome21072026.pdf)
- 2026-10-19 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_19102026153825_Final_SE_conferencecall_recodring_link.pdf)
- 2026-10-19 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_19102026221013_SE_RTGS.pdf)
- 2026-10-18 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_18102026182835_Final_SE_NEWS.pdf)
- 2026-10-17 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026131852_Final_SE_Outcome.pdf)
- 2026-10-17 — Earnings Presentation: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf)
- 2026-10-17 — Press Release: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026140229_Final_SE_Press_Release.pdf)
- 2026-10-17 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/CENTRALBK_17102026141901_Final_SE_Security_Cover.pdf)
- 2026-10-17 — Financial Results Filing: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1740870_17102026050418_WEB.xml)
- 2026-10-17 — Financial Results Filing: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1740871_17102026050522_WEB.xml)
- 2026-10-16 — Shareholding Disclosure: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SHP_1739544_16102026114629_WEB.xml)
- 2026-10-16 — Generic Announcement: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/CENTRALBK_16102026120206_Final_SE_CG_Debt.pdf)
- 2026-10-16 — Official Filing: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INVESTOR_DEBT_1736964_13102026042014_WEB.xml)
- 2026-10-14 — Official Filing: Central Bank of India — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INVESTOR_DEBT_1736964_13102026042014_WEB.xml)

## News and market events

- 2026-10-26 — Economic Times: **Central Bank of India clarifies all accounts are safe after reports of 187 unauthorised transactions worth Rs 13.97 crore - The Economic Times** — In a recent statement, the Central Bank of India reassured customers that a technical issue with its RTGS server did not compromise account safety. Allegedly, 187 transactions involved 36 separate accounts. RTGS services have since been restored without further complications. — [Source](https://economictimes.indiatimes.com/wealth/save/central-bank-of-india-clarifies-all-accounts-are-safe-after-reports-of-187-unauthorised-transactions-worth-rs-13-97-crore/articleshow/135206556.cms)
- 2026-10-26 — The Hindu: **Central Bank of India resumes RTGS services; no customer impact due to tech glitch** — Central Bank of India (CBI) resumed RTGS transactions and clarified that no customer account was impacted by a technical issue that occurred in the RTGS server, in a statement on October 25. — [Source](https://www.thehindubusinessline.com/money-and-banking/central-bank-of-india-resumes-rtgs-services-no-customer-impact-due-to-tech-glitch/article71624481.ece)
- 2026-10-24 — Mint: **High dividend, low price: 4 stocks under ₹200 with high yield - IOCL, PTC India, Central Bank, PTL Enterprises | Stock Market News** — Indian Oil Corporation, PTC India, Central Bank of India, and PTL Enterprises are highlighted as stocks priced below ₹200 with dividend yields of 5.5%, 19%, 2.53%, and 6.25%, respectively. Dividend yield estimates annual dividend income relative to a stock’s market price. — [Source](https://www.livemint.com/market/stock-market-news/high-dividend-low-price-4-stocks-under-rs-200-with-high-yield-iocl-ptc-india-central-bank-ptl-enterprises-11792860259451.html)
- 2026-10-24 — FREEPRESSJOURNAL.IN: **India Has Adequate Forex Reserves To Meet FCNR(B) Repayments: RBI Governor** — RBI Governor Sanjay Malhotra said India has sufficient foreign exchange reserves to meet FCNR(B) deposit repayments and maintain currency market stability. He highlighted resilient economic growth, strong services exports and inflation within the tolerance band, while emphasising monetary discipline and banking supervision — [Source](https://www.freepressjournal.in/business/india-has-adequate-forex-reserves-to-meet-fcnrb-repayments-rbi-governor)
- 2026-10-21 — CNBC-TV18: **Central Bank of India aims to more than double gold loan book to ₹1.1 lakh crore by September 2027** — Central Bank of India plans to expand its gold loan portfolio from ₹41,000 crore to ₹1.1 lakh crore by September next year, MD & CEO Kalyan Kumar said. — [Source](https://www.cnbctv18.com/market/earnings/central-bank-aims-grow-gold-loan-book-rs-1-1-lakh-crore-by-september-next-year-q2-earnings-results-boardroom-20016063.htm)
- 2026-10-20 — Economic Times: **Central Bank of India reports technical glitch in RTGS outward system** — Central Bank said that no customer suffered any financial loss on account of the incident. The lender has not attributed the disruption to a cyberattack and said the root cause is still under examination. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/central-bank-of-india-reports-technical-glitch-in-rtgs-outward-system/articleshow/135059072.cms)
- 2026-10-19 — Economic Times: **Central Bank of India reports technical glitch in RTGS outward system** — Central Bank said that no customer suffered any financial loss on account of the incident. The lender has not attributed the disruption to a cyberattack and said the root cause is still under examination. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/central-bank-of-india-reports-technical-glitch-in-rtgs-outward-system/articleshow/135053338.cms)
- 2026-10-19 — The Hindu: **Sensex today | Stock Market Highlights: Sensex, Nifty close over 1% lower; private bank, IT stocks push markets lower** — Sensex, Nifty, Share Prices : Markets closed over 1 per cent lower on Monday as losses in private banks and IT stocks overwhelmed gains in metals and public-sector lenders. — [Source](https://www.thehindubusinessline.com/markets/sensex-nifty50-today-stock-market-highlights-19th-october-2026/article71600731.ece)
- 2026-10-19 — Economic Times: **Stocks in news: Vedanta, HDFC Bank, ICICI Bank, Axis Bank, HFCL, IREDA, Zen Tech and Oil India** — Indian equities turned around as information technology stocks attracted sustained buying interest. Strong quarterly earnings reports enhanced investor confidence in the market, with the Nifty 50 index achieving a closing point of 23,146, representing a 0.65% rise. Prominent companies like HDFC Bank and ICICI Bank shared their quarterly outcomes, showcasing improved asset quality. Investors are anticipated to keep an eye on upcoming corporate announcements which may guide market trends. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/stocks-in-news-vedanta-hdfc-bank-icici-bank-axis-bank-hfcl-ireda-zen-tech-and-oil-india/articleshow/135037012.cms)
- 2026-10-18 — Economic Times: **Central Bank's net profit ticks up 21% in Q2 FY26** — Central Bank of India reported a 21% increase in net profit amounting to Rs 1469 crore for September 2026. Net interest income grew by 26% to Rs 4146 crore, reflecting strong loan growth. Total advances rose by 30% to Rs 3.81 lakh crore, driven by retail, agriculture and MSME sectors. Despite a drop in other income, asset quality improved with net NPA decreasing to 0.31%. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/central-banks-net-profit-up-21-in-q2-fy26/articleshow/135012349.cms)
- 2026-10-18 — Economic Times: **Central Bank of India’s Q2 profit jumps 21% YoY to Rs 1,469 crore** — In September 2026, Central Bank of India reported an impressive net profit hike of 21%, totaling 1,469 crore. This boost was largely attributed to strong loan growth, even as other income declined. The bank's net interest income surged by 26% to 4,146 crore. Additionally, total income rose by 15% to reach 11,737 crore, with the cost-to-income ratio improving to 58.95% from 62.42% a year prior. — [Source](https://economictimes.indiatimes.com/markets/stocks/earnings/central-bank-of-indias-q2-profit-jumps-21-yoy-to-rs-1469-crore/articleshow/135023806.cms)
- 2026-10-18 — Times of India: **Private banks’ profits rise, large lenders see margin pressure** — img border="0" hspace="10" align="left" style="margin-top:3px;margin-right:5px;" src="https://timesofindia.indiatimes.com/photo/135022751.cms" / — [Source](https://timesofindia.indiatimes.com/business/india-business/private-banks-profits-rise-large-lenders-see-margin-pressure/articleshow/135022751.cms)
- 2026-10-17 — The Hindu: **Central Bank of India Q2 net profit jumps 21% to ₹1,469 crore on higher core income** — Central Bank of India reports 21% Q2 net profit rise to ₹1,469 crore on higher core income and improved asset quality. — [Source](https://www.thehindu.com/business/Industry/central-bank-of-india-q2-net-profit-jumps-21-to-1469-crore-on-higher-core-income/article71597653.ece)
- 2026-10-17 — The Hindu: **Central Bank of India Q2 net profit jumps 21% to ₹1,469 cr on higher core income** — Central Bank of India reports 21% Q2 profit rise to ₹1,469 crore on higher core income and improved asset quality. — [Source](https://www.thehindubusinessline.com/money-and-banking/central-bank-of-india-q2-net-profit-jumps-21-to-1469-cr-on-higher-core-income/article71596558.ece)
- 2026-10-17 — Economic Times: **Central Bank of India Q2 profit rises 21% as loans grow 30%** — Central Bank of India reported a 21% rise in September 2026 quarterly net profit to Rs 1,469 crore, supported by 26% net interest income growth and 30% loan expansion. Asset quality improved, with net NPA declining to 0.31%, while operating efficiency strengthened. — [Source](https://economictimes.indiatimes.com/markets/stocks/earnings/central-bank-of-india-q2-profit-rises-21-as-loans-grow-30/articleshow/135014014.cms)
- 2026-10-17 — CNBC-TV18: **Central Bank of India Q2 Results: 26% NII growth drives earnings; NPAs improve sequentially** — Central Bank of India's asset quality improved sequentially, with gross non-performing assets (NPAs) declining to 1.61% as of September 30, 2026, from 1.86% in the June quarter and 2.60% a year earlier. Net NPAs fell to 0.14% from 0.15% in the previous quarter and 0.16% in the year-ago period. — [Source](https://www.cnbctv18.com/market/central-bank-of-india-q2-results-share-price-core-income-nii-earnings-npas-improve-profit-provisions-slippages-20014120.htm)
- 2026-10-17 — The Hindu: **Q2 Results Highlights, 17th Oct: HDFC Bank, ICICI Bank, Axis Bank, IDBI Bank, Central Bank of India post profit growth; YES Bank flags AT-1 bond ruling impact** — Q2 Results Highlights, 17th October 2026: Find all the latest Q2 results 2026 updates AXIS Bank, Bajaj Healthcare, Central Bank of India, Cupid Breweries And Distilleries, Gagan Gases, HDFC Bank, Hemo Organic, ICICI Bank, Indo Cotspin, IDBI Bank, India Cements, Le Travenues Technology, Kross, Midland Polymers, Punjab & Sind Bank, Rossari Biotech, TGB Banquets and Hotels, Yes Bank. — [Source](https://www.thehindubusinessline.com/markets/q2-results-highlights-hdfc-bank-icici-bank-axis-bank-idbi-bank-yes-bank-central-bank-of-india-punjab-amp-sind-bank-results-company-results-17-october-2026/article71595336.ece)
- 2026-10-11 — Mint: **Car loan rates start at 7.35%: Check EMIs and processing fees of 18 lenders | Mint** — Car loan interest rates start at 7.35% across 18 lenders, according to Paisabazaar data. Compare car loan EMIs on ₹5 lakh over five years, processing fees, interest-rate concessions and repayment costs before choosing a lender in October 2026. — [Source](https://www.livemint.com/money/personal-finance/car-loan-rates-start-at-7-35-check-emis-and-processing-fees-of-18-lenders-11791693346774.html)
- 2026-10-10 — Mint: **Home loan rates October 2026: Compare rates starting from 7% across 12 public sector banks | Mint** — Home loan rates start at 7% at select public sector banks in October 2026. Compare rates across 12 public sector banks, including SBI, Bank of Baroda and PNB, and understand the factors that can affect your final borrowing cost before applying. — [Source](https://www.livemint.com/money/personal-finance/home-loan-rates-october-2026-compare-rates-starting-from-7-across-12-public-sector-banks-11791486253416.html)
- 2026-10-10 — Mint: **Personal loan rates October 2026: Check EMI and processing fees across 22 lenders | Mint** — Personal loan interest rates in October 2026 range from 8.90% to 30.50% across 22 lenders. Compare personal loan EMIs, interest rates and processing fees for a ₹5 lakh, five-year loan before choosing a lender and assessing your repayment capacity. — [Source](https://www.livemint.com/money/personal-finance/personal-loan-rates-october-2026-check-emi-and-processing-fees-across-22-lenders-11791481930937.html)
- 2026-10-09 — Mint: **Finance ministry flags slow bank loan processing, low private lender participation in ₹75,000 crore rooftop solar scheme | Mint** — The government wants to accelerate financing for the scheme to make households less dependent on conventional sources of electricity. — [Source](https://www.livemint.com/industry/energy/finance-ministry-banks-loan-processing-rooftop-solar-11791516026104.html)
- 2026-10-05 — Economic Times: **Private banks' deposit mobilisation outpaces PSU peers in Q2** — From a loan growth perspective, state-run banks' advances growth remained in the range of 12.59-29.83 per cent year-on-year in Q2, while private banks' growth ranged from 16.3-40 per cent during the same period. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/private-banks-deposit-mobilisation-outpaces-psu-peers-in-q2/articleshow/134709342.cms)
- 2026-10-05 — MONEYCONTROL: **India Inc braces for weaker rupee as importer hedges hit record $77 billion** — Indian rupee, rupee outlook, USD INR, rupee depreciation, currency hedging India, importer hedging, RBI intervention, rupee against dollar, India forex market, rupee news — [Source](https://www.moneycontrol.com/news/business/india-inc-braces-for-weaker-rupee-as-importer-hedges-hit-record-77-billion-14044749.html)
- 2026-10-05 — CNBC-TV18: **Central Bank of India Q2 Update: Gross advances jump 30% to ₹3.81 lakh crore** — Central Bank of India reports strong Q2 FY27 growth: deposits up 14.43% to ₹5.08 lakh crore, advances rise 29.83%, and total business grows 20.55%. — [Source](https://www.cnbctv18.com/market/central-bank-of-india-q2-update-gross-advances-jump-30-to-rs-3-81-lakh-crore-share-price-fy27-20004529.htm)
- 2026-10-05 — CNBC-TV18: **Sensex Today | Stock Market LIVE Updates: Nifty PSU Bank index rises; BoI, PNB top gainers** — Sensex Today | Stock Market LIVE Updates: The markets are looking to turn the turn the tide around, as Niftty rises with gains over 110 points, rising to 22,550. The Nifty Bank is surging with gains over 650 points, rising above 55,000. Bajaj Finance, Shriram Finance and ITC are the biggest gainers. — [Source](https://www.cnbctv18.com/market/stock-market-live-updates-sensex-nifty-50-today-banks-q2-hdfc-yes-canara-au-sfb-bajaj-fin-dmart-it-stocks-tcs-infosys-share-price-liveblog-20004247.htm)

## Business profile

**Strategic vision:** Offers banking services to retail, corporate, agriculture, and MSME sectors.

### Business segments
- **Retail Banking:** Provides various banking activities for retail clients.
- **Corporate Banking:** Offers a range of banking services for corporate clients.
- **Agriculture Banking:** Provides specialized banking services for the agriculture sector.
- **MSME Banking:** Offers specialized banking services for the MSME sector.
- **Trusteeship Services:** Through its subsidiary CFSL, offers debenture trusteeship, securities trusteeship, and executor trusteeship services.

### Competitive strengths
- Established network of branches across 28 states and 7 Union Territories.
- Long history of providing banking services since 1911.
- Experience in offering specialized services for agriculture and MSME sectors.

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## Freshness and sources

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

Canonical: https://faxioms.com/stocks/centralbk
Markdown representation: https://faxioms.com/stocks/centralbk?render=md