IDBI Bank

Why is IDBI Bank Ltd. falling/rising?

As of 08-Aug, IDBI Bank Ltd. is facing a decline in stock price at 84.11, underperforming the sector and broader market with a -6.00% return over the past year. Despite a strong Capital Adequacy Ratio, declining investor interest and recent poor quarterly results raise concerns about the bank's performance sustainability.

As of 08-Aug, IDBI Bank Ltd. is experiencing a decline in its stock price, currently at 84.11, reflecting a change of -0.4 (-0.47%). The stock has underperformed the sector by -1.27% today, indicating a weaker performance relative to its peers. <BR><BR>Over the past year, IDBI Bank has generated a return of -6.00%, significantly underperforming the broader market, which has seen a return of 4.11%. This trend of underperformance is further highlighted by the bank's recent quarterly results, where the Profit After Tax (PAT) fell by -11.1% compared to the previous four-quarter average. Additionally, the non-operating income constituted 36.78% of the Profit Before Tax, which may raise concerns about the sustainability of earnings.<BR><BR>Investor participation has also declined, with a delivery volume of 11.52 lacs on August 6, down by -37.64% against the five-day average. This drop in trading activity suggests a lack of confidence among investors. Furthermore, domestic mutual funds hold only 1.34% of the company, which may indicate that they are not comfortable with the current price or the business outlook.<BR><BR>While there are positive factors such as a high Capital Adequacy Ratio of 21.08% and a healthy long-term growth rate in net profit, these have not been enough to offset the negative sentiment surrounding the stock. The stock is trading at a discount compared to its peers, but the recent performance metrics and declining investor interest contribute to its current downward trajectory.

Which are the latest news on IDBI Bank?

Are IDBI Bank Ltd. latest results good or bad?

IDBI Bank's Q1 FY2027 results show a net profit increase of 8.85% quarter-on-quarter, but concerns arise from a declining net interest margin and reliance on provisioning write-backs, despite a record low gross NPA ratio of 2.30%. Overall, while profit growth is positive, potential risks in revenue sustainability and earnings quality should be considered.

IDBI Bank's latest results for Q1 FY2027 present a mixed picture. On the positive side, the bank reported a net profit of ₹2,115.18 crore, which reflects an 8.85% increase quarter-on-quarter and a 5.37% increase year-on-year. This growth in profit is commendable, especially in a challenging economic environment.<BR><BR>However, there are significant concerns regarding the quality of these earnings. The bank's net interest margin (NIM) has sharply declined to 3.61%, down 54 basis points from the previous quarter, indicating pressure on profitability from interest income. Additionally, total income fell by 8.89% sequentially, raising questions about revenue sustainability moving forward.<BR><BR>A notable aspect of the results is the reliance on provisioning write-backs, which contributed ₹636.87 crore to the profit. This reversal of provisions, while technically permissible, raises concerns about the sustainability of future earnings since it masks underlying operational performance.<BR><BR>On the asset quality front, IDBI Bank achieved a record low gross non-performing asset (NPA) ratio of 2.30%, which is a positive indicator. The capital adequacy ratio also improved to 26.92%, providing a strong buffer for future growth.<BR><BR>In summary, while the profit growth is a positive sign, the decline in margins and reliance on provisioning adjustments highlight potential risks. Investors may need to weigh these factors carefully when assessing the overall performance of IDBI Bank.

Should I buy, sell or hold IDBI Bank Ltd.?

When is the next results date for IDBI Bank Ltd.?

The next results date for IDBI Bank Ltd. is 18 July 2026.

The next results date for IDBI Bank Ltd. is scheduled for 18 July 2026.

How big is IDBI Bank?

As of 10th June, IDBI Bank Ltd. has a market capitalization of 81,471.00 Cr and reported a net profit of 9,513.34 Cr, with total assets valued at 4,11,696.93 Cr. There is no valid net sales data available for the latest four quarters.

As of 10th June, IDBI Bank Ltd. has a market capitalization of 81,471.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, IDBI Bank reported net sales of 0.00 Cr, indicating no valid net sales data found for summing. The net profit for the same period was 9,513.34 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025. Shareholder's funds stood at 60,251.01 Cr, while total assets were valued at 4,11,696.93 Cr.

Who are in the management team of IDBI Bank?

The management team of IDBI Bank includes Rakesh Sharma (MD & CEO), T N Manoharan (Chairman), and several Deputy Managing Directors and Independent Directors, overseeing the bank's operations and strategic direction. Key members also include nominees from LIC and the government.

The management team of IDBI Bank includes the following key members:<BR><BR>1. **Rakesh Sharma** - Managing Director & CEO<BR>2. **Samuel Joseph Jebaraj** - Deputy Managing Director<BR>3. **Suresh Kishinchand Khatanhar** - Deputy Managing Director<BR>4. **T N Manoharan** - Chairman & Independent Director<BR>5. **Gyan Prakash Joshi** - Independent Director<BR>6. **Bhuwanchandra Balkrishna Joshi** - Independent Director<BR>7. **Samaresh Parida** - Independent Director<BR>8. **N Jambunathan** - Independent Director<BR>9. **Deepak Singhal** - Independent Director<BR>10. **Sanjay Gokuldas Kallapur** - Independent Director<BR>11. **P V Bharathi** - Independent Director<BR>12. **Jyoti Biju Nair** - Company Secretary & Compliance Officer<BR>13. **Mukesh Gupta** - Nominee (LIC)<BR>14. **T N Manoharan** - Chairman & Independent Director<BR>15. **Sushil Kumar Singh** - Nominee (Government)<BR>16. **Manoj Sahay** - Nominee (Government)<BR>17. **Raj Kumar** - Nominee (LIC)<BR>18. **Jayakumar S. Pillai** - Deputy Managing Director<BR><BR>This team is responsible for overseeing the operations and strategic direction of the bank.

Who are the peers of the IDBI Bank?

IDBI Bank's peers include HDFC Bank, ICICI Bank, Axis Bank, and others. While IDBI Bank has average management risk and lower returns compared to its peers, banks like HDFC and ICICI exhibit excellent management and growth ratings.

Peers: The peers of IDBI Bank are HDFC Bank, ICICI Bank, Axis Bank, Kotak Mah. Bank, Federal Bank, Yes Bank, IndusInd Bank, IDFC First Bank, Bandhan Bank, and Karur Vysya Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at HDFC Bank, ICICI Bank, Axis Bank, Kotak Mah. Bank, and Bandhan Bank, while Good management risk is found at Federal Bank and IndusInd Bank. Average management risk is present at IDBI Bank, Yes Bank, and IDFC First Bank. Growth ratings show Excellent growth at ICICI Bank and Federal Bank, Good growth at HDFC Bank, Axis Bank, Kotak Mah. Bank, IDBI Bank, Yes Bank, and IDFC First Bank, while Below Average growth is noted at IndusInd Bank and Bandhan Bank. Capital Structure is rated Excellent for HDFC Bank, ICICI Bank, Kotak Mah. Bank, IDBI Bank, and IndusInd Bank, Good for Axis Bank, Federal Bank, Yes Bank, and IDFC First Bank, and the rest.<BR><BR>Return Snapshot: Federal Bank has the highest 1-year return at 48.88%, while IDBI Bank has the lowest at -26.91%, indicating that IDBI Bank's return is significantly lower than its peers. Additionally, the six-month return is negative for HDFC Bank, Kotak Mah. Bank, IDBI Bank, and IDFC First Bank.

What does IDBI Bank do?

IDBI Bank Ltd. is a major private sector universal bank in India, incorporated in 1964, with a recent net profit of INR 1,943 Cr and a market cap of INR 81,471 Cr as of March 2026. Key metrics include a dividend yield of 2.78%, a return on assets of 2.04%, and a gross NPA of 2.32%.

Overview:<BR>IDBI Bank Ltd. is one of India's largest commercial banks, operating as a universal bank in the private sector.<BR><BR>History:<BR>IDBI Bank was incorporated in the year 1964. It has undergone various status changes over the years and is currently functioning as a private sector bank. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 7,798.47 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 1,943 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 81,471 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>Industry: Private Sector Bank <BR>Market cap: INR 81,471 Cr <BR>Dividend Yield: 2.78% <BR>CAR: 25.56% <BR>Return on Assets: 2.04% <BR>Net NPA: 0.15% <BR>Gross NPA: 2.32% <BR><BR>Contact Details:<BR>Address: IDBI Tower WTC Complex 3rd Flr, Cuffe Parade Colaba Mumbai Maharashtra : 400005 <BR>Tel: 91-22-66553355/22189111 <BR>Email: idbiequity@idbi.co.in <BR>Website: http://www.idbibank.in

How has been the historical performance of IDBI Bank?

IDBI Bank has shown significant recovery and growth since March 2021, with increases in interest earned, net interest income, total income, and profits, alongside a rise in total assets and an improved capital adequacy ratio, indicating strengthened financial stability.

Answer:<BR>The historical performance of IDBI Bank shows a significant recovery and growth in recent years, particularly from March 2021 onwards.<BR><BR>Breakdown:<BR>IDBI Bank's interest earned has steadily increased from INR 19,938.20 crore in March 2021 to INR 28,902.03 crore in March 2025, reflecting a strong upward trend. The bank's net interest income also rose from INR 8,523.99 crore in March 2021 to INR 14,626.46 crore in March 2025. Total income followed a similar pattern, climbing from INR 24,496.80 crore in March 2021 to INR 33,826.02 crore in March 2025. The profit before tax surged from INR 2,368.62 crore in March 2021 to INR 10,568.21 crore in March 2025, while profit after tax increased from INR 1,359.46 crore to INR 7,515.17 crore over the same period. The bank's total assets grew from INR 2,98,074.18 crore in March 2021 to INR 4,11,696.93 crore in March 2025, indicating robust expansion. Additionally, the capital adequacy ratio improved significantly from 15.59% in March 2021 to 25.05% in March 2025, showcasing a strengthened financial position. The bank's cash and cash equivalents also saw a notable increase, reaching INR 44,416.00 crore in March 2025, up from INR 30,430.00 crore in March 2021. Overall, IDBI Bank's performance reflects a strong recovery trajectory with improved profitability, asset growth, and financial stability.

Is IDBI Bank technically bullish or bearish?

As of November 10, 2025, IDBI Bank's technical trend has shifted to bullish, supported by strong MACD indicators and positive performance, despite some mixed signals from Bollinger Bands and KST.

As of 10 November 2025, the technical trend for IDBI Bank has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and daily moving averages are also bullish. While the Bollinger Bands indicate a mildly bullish trend on both weekly and monthly charts, the KST shows a bullish signal weekly but mildly bearish monthly. The RSI shows no signals in both time frames, and Dow Theory indicates no trend. Overall, the strength of the bullish stance is reinforced by the positive performance over the last month and year compared to the Sensex.

Is IDBI Bank overvalued or undervalued?

As of October 17, 2025, IDBI Bank is considered fairly valued with a PE ratio of 12.65, a Price to Book Value of 1.58, and a PEG ratio of 0.46, outperforming the Sensex with a return of 114.19% over the past three years, while its valuation grade has shifted from very attractive to attractive.

As of 17 October 2025, IDBI Bank's valuation grade has moved from very attractive to attractive, indicating a shift in market perception. The bank is currently considered fairly valued. Key ratios include a PE ratio of 12.65, a Price to Book Value of 1.58, and a PEG ratio of 0.46, which suggest that the bank is positioned competitively within its sector.<BR><BR>When compared to peers, IDBI Bank's PE ratio is higher than Bank of Baroda's 6.94 and Canara Bank's 6.37, both of which are also rated attractive. However, it is lower than SBI, which is classified as very expensive with a PE of 11.24. Notably, IDBI Bank has outperformed the Sensex significantly over the past three years with a return of 114.19% compared to the Sensex's 43.73%, reinforcing its relative strength in the market.

Who are the top shareholders of the IDBI Bank?

The top shareholder of IDBI Bank is the Life Insurance Corporation of India, holding 49.24%. Other shareholders include mutual funds (0.04%), foreign institutional investors (0.46%), and individual investors (3.85%).

The top shareholder of IDBI Bank is the Life Insurance Corporation of India, which holds a significant stake of 49.24%. The bank's majority shareholders are promoters, and there are no pledged promoter holdings. Additionally, mutual funds hold a small portion through 16 schemes, accounting for 0.04%, while foreign institutional investors (FIIs) hold 0.46% through 70 different entities. Individual investors collectively own 3.85% of the bank's shares.

Has IDBI Bank declared dividend?

Yes, IDBI Bank has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of July 16, 2024. The bank has shown strong total returns over various periods, with a total return of 22.21% over the past year.

IDBI Bank Ltd. has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 16 Jul 24<BR><BR>Dividend Yield: 1.48%.<BR><BR>Total Returns by Period:<BR>Over the last 6 months, the price return was 18.53%, with no dividend return, resulting in a total return of 18.53%.<BR><BR>In the past year, the price return was 20.48%, the dividend return was 1.73%, leading to a total return of 22.21%.<BR><BR>Over a 2-year period, the price return was 82.0%, with a dividend return of 4.58%, culminating in a total return of 86.58%.<BR><BR>For the 3-year period, the price return stood at 172.28%, the dividend return was 7.94%, resulting in a total return of 180.22%.<BR><BR>In the last 4 years, the price return was 156.37%, with a dividend return of 6.51%, leading to a total return of 162.88%.<BR><BR>Over the past 5 years, the price return was 162.71%, with a dividend return of 5.19%, resulting in a total return of 167.9%.<BR><BR>Overall, IDBI Bank has declared a dividend, and the total returns over various periods indicate strong performance, particularly in price returns, suggesting a positive outlook for investors.