Stock Report

Central Bank of India reports higher consolidated PAT of Rs. 1264.29 crores in Q3 FY2026

Posted On : 2026-01-16 16:08:46( TIMEZONE : IST )

Central Bank of India has reported Consolidated financial results for the period ended December 31, 2025.

Financial Results (Q3 FY2026) - QoQ Comparison

The company has reported total income of Rs. 11006.94 crores during the period ended December 31, 2025 as compared to Rs. 10283.71 crores during the period ended September 30, 2025.

The company has posted net profit / (loss) of Rs. 1264.29 crores for the period ended December 31, 2025 as against net profit / (loss) of Rs. 1231.79 crores for the period ended September 30, 2025.

The company has reported EPS of Rs. 1.40 for the period ended December 31, 2025 as compared to Rs. 1.36 for the period ended September 30, 2025.

Financials	Q3 FY2026	Q2 FY2026	% Change
Total Income	₹ 11006.94 crs	₹10283.71 crs	7.03%
Net Profit	₹1264.29 crs	₹1231.79 crs	2.64%
EPS	₹1.40	₹1.36	2.94%

Financial Results (Q3 FY2026) - YoY Comparison

The company has reported total income of Rs. 11006.94 crores during the period ended December 31, 2025 as compared to Rs.9774.25 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs.1264.29 crores for the period ended December 31, 2025 as against net profit / (loss) of Rs.963.38 crores for the period ended December 31, 2024.

The company has reported EPS of Rs.1.40 for the period ended December 31, 2025 as compared to Rs.1.11 for the period ended December 31, 2024.

Financials	Q3 FY2026	Q3 FY2025	% Change
Total Income	₹ 11006.94 crs	₹9774.25 crs	12.61%
Net Profit	₹1264.29 crs	₹963.38 crs	31.23%
EPS	₹1.40	₹1.11	26.13%

Financial Results (9 Months Ended FY2026) - YoY Comparison

The company has reported total income of Rs.31700.76 crores during the 9 Months period ended December 31, 2025 as compared to Rs.29191.90 crores during the 9 Months period ended December 31, 2024.

The company has posted net profit / (loss) of Rs.3778.06 crores for the 9 Months period ended December 31, 2025 as against net profit / (loss) of Rs.2829.63 crores for the 9 Months period ended December 31, 2024.

The company has reported EPS of Rs.4.17 for the 9 Months period ended December 31, 2025 as compared to Rs.3.26 for the 9 Months period ended December 31, 2024.

Financials	9 Months Ended FY2026	9 Months Ended FY2025	% Change
Total Income	₹31700.76 crs	₹29191.90 crs	8.59%
Net Profit	₹3778.06 crs	₹2829.63 crs	33.52%
EPS	₹4.17	₹3.26	27.91%

Asset Quality:

Asset Quality	Q3 FY2026	Q2 FY2026	Q3 FY2025
Gross NPA	₹ 8801.10 crs	₹8901.12 crs	₹10539.56 crs
Gross NPA %	2.71%	3.02%	3.87%
Net NPA	₹1458.72 crs	₹1408.13 crs	₹1606.28 crs
Net NPA %	0.46%	0.49%	0.61%

Gross NPA was at ₹ 8801.10 crs in Q3 FY2026 against ₹ 10539.56 crs in Q3 FY2025. The same was at ₹ 8901.12 crs in Q2 FY2026.

Net NPA was at ₹ 1458.72 crs in Q3 FY2026 against ₹ 1606.28 crs in Q3 FY2025. The same was at ₹ 1408.13 crs in Q2 FY2026.

GNPA was at 2.71% of Gross advances as on December 31, 2025 as compared to 3.87% as on December 31, 2024 and 3.02% as of September 30, 2025.

Net NPA was at 0.46% of Gross advances as on December 31, 2025 as compared to 0.61% as on December 31, 2024 and 0.49% as of September 30, 2025.

Ratios	Q3 FY2026	Q2 FY2026	Q3 FY2025
RoA %	1.01%	1.02%	0.87%
CAR (BASEL III) %	16.13%	17.34%	16.43%

Return on Average Assets (RoA) is at 1.01% for Q3 FY2026 against 1.02% in Q2 FY2026 and 0.87% in Q3 FY2025.

In Q3 FY2026, Bank's total Capital Adequacy Ratio (CAR) was at 16.13%, as compared to 17.34% in Q2 FY2026 and 16.43% in Q3 FY2025.

Shares of Central Bank of India was last trading in BSE at Rs. 38.28 as compared to the previous close of Rs. 37.71. The total number of shares traded during the day was 789044 in over 2604 trades.

The stock hit an intraday high of Rs. 38.63 and intraday low of 37.48. The net turnover during the day was Rs. 30074623.00.