Central Bank of India Surges 33% in Q1 Profit, Driven by Core Income Growth and NPA Decline

Central Bank of India Reports Strong Q1 Performance

Central Bank of India, a prominent player in the Indian banking sector, has reported a robust performance in the first quarter of the financial year 2025-26. The bank’s net profit surged by 33% year-over-year, reaching Rs 1,169 crore. This significant increase in profit is attributed to an improvement in core income and a decline in non-performing assets (NPAs).

The bank’s earnings per share (EPS) for the quarter stood at 1.42 INR, marking an improvement from the 1.09 INR per share recorded in the same quarter of the previous year. The total revenue for the quarter was reported at 104.10 billion INR.

Central Bank of India, headquartered in Mumbai, offers a wide range of banking services, including digital banking, deposits, retail loans, agriculture services, and corporate loans. Its digital banking services encompass internet banking, mobile banking, Cent M-Passbook, debit and credit cards, missed call facility, railways ticket booking, CentPay, and automated teller machines (ATMs).

The bank’s deposit services include savings bank accounts, current accounts, time deposits, recurring deposit schemes, small saving schemes, and interest on deposits. In retail banking, it provides housing loans, vehicle loans, education loans, personal and gold loans, loans to senior citizens, and loans against property for personal needs. Additionally, its agriculture services feature the Central Kisan Credit Card, Cent Agri Gold Loan Scheme, Cent SHG Bank Linkage Scheme, and Cent AGRI INFRA Scheme.

As of July 17, 2025, the bank’s close price was 38.14 INR, with a market capitalization of 349,570 million INR. The price-to-earnings ratio stood at 8.52. The bank’s stock has experienced fluctuations over the past year, with a 52-week high of 67.07 INR on July 28, 2024, and a 52-week low of 32.75 INR on May 8, 2025.

The bank’s strong Q1 performance is a positive indicator for investors and stakeholders, reflecting its ability to navigate challenges and capitalize on growth opportunities in the banking sector.