Bank of India Ltd
Ticker: BANKINDIA
Risky
48/100
☆ Add to Watchlist
Investing Reference
Price
126.34
Market Cap
57518.41
Debt/Equity
0.0000
ROE %
12.594
PB
0.7111
Promoter %
73.383
Pledge %
0.000
1Y Rev Growth %
19.465
5Y Rev Growth %
10.348
NP Margin %
11.843
NP Margin 5Y Avg %
8.088
Trading Reference
1M Return %
5.339
6M Return %
13.452
1Y Return %
20.692
% Away 52W High
3.087
% Away 52W Low
40.300
Daily Volume
6501734
Investment Verdict
Buy
Score 89/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Watch
Score 64/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Bank of India Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance at 80, there is potential for upward movement towards 90. However, if it falls below the support at 70, it could decline to 65.
Upside Probability: 12.5% | Downside Probability: 7.14%
Probability estimates are technical-context statements, not investment advice.
More Options
I
IDFC First Bank Ltd
IDFC First Bank shows potential for growth with improving fundamentals, but investors should be cautious of execution risks and market competition.
View details
A
AU Small Finance Bank Ltd
AU Small Finance Bank has a decent outlook with growth potential, but faces challenges in profitability and execution risks.
View details
G
Godfrey Phillips India Ltd
Godfrey Phillips India Ltd shows decent potential but faces several challenges that could impact future performance.
View details
N
Nippon Life India Asset Management Ltd
Nippon Life India Asset Management Ltd shows decent potential with a strong business model and growth prospects, but faces challenges in profitability and valuation metrics.
View details
A
Authum Investment & Infrastructure Ltd
The stock presents several risks with inconsistent growth and weak profitability metrics, suggesting caution for investors.
View details
K
Kalyan Jewellers India Ltd
Kalyan Jewellers shows potential for growth but faces challenges in profitability and valuation. Investors should be cautious.
View details
I
ITC Hotels Ltd
ITC Hotels Ltd shows potential but faces challenges in growth consistency and valuation metrics.
View details
J
J K Cement Ltd
J K Cement Ltd shows decent potential with consistent growth, but faces challenges in profitability and liquidity.
View details
S
Sundaram Finance Ltd
Sundaram Finance Ltd shows potential for growth but faces challenges in profitability and market competition. Caution is advised.
View details
P
Page Industries Ltd
Page Industries Ltd shows a decent investment opportunity with strong brand positioning and growth potential, but valuation concerns and execution risks should be monitored.
View details
B
Biocon Ltd
Biocon Ltd shows potential for growth in a promising sector, but faces challenges in profitability and valuation metrics.
View details
L
Laurus Labs Ltd
Laurus Labs Ltd shows potential for growth in a promising sector, but faces challenges in profitability and valuation metrics.
View details
K
Kaynes Technology India Ltd
Kaynes Technology India Ltd shows potential for growth but faces challenges in profitability and valuation. Caution is advised for new investments.
View details
F
Federal Bank Ltd
Federal Bank Ltd shows decent potential but faces challenges in profitability and valuation metrics.
View details
U
United Breweries Ltd
United Breweries Ltd shows potential for growth, but faces challenges in profitability and valuation compared to peers.
View details
P
Premier Energies Ltd
Premier Energies Ltd has potential in a growing sector, but faces challenges in execution and profitability.
View details
Business Overview
Bank of India Ltd is a leading public sector bank in India, catering to a diverse clientele including individuals, businesses, and government entities. Established in 1906, it plays a crucial role in the Indian banking sector by providing a wide range of financial services. Its extensive branch network and digital banking solutions make it accessible to millions. The bank is committed to financial inclusion and economic growth, making it a trusted partner for your banking needs.
- Established in 1906, a pioneer in Indian banking.
- Offers a comprehensive range of financial services.
- Strong focus on customer satisfaction and financial inclusion.
- Extensive branch and ATM network across India.
- Innovative digital banking solutions for convenience.
Investment Thesis
Bank of India Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustained performance and market competitiveness.
- Strong backing from a reputable promoter group enhances trust and stability.
- Robust growth trajectory in digital banking services caters to evolving customer needs.
- Current valuation is appealing compared to sector peers, offering potential for upside.
- Strategic focus on expanding retail and MSME lending supports revenue growth.
- Improving asset quality and lower NPAs signal effective risk management.
Opportunity vs Risk
Opportunities
- Strong growth in retail banking
- Government support for public sector banks
- Rising demand for digital banking
- Improving asset quality
- Expansion in rural markets
Risks ⚠️
- Economic slowdown impacts loan growth
- High non-performing assets
- Regulatory changes affecting operations
- Intense competition in banking sector
- Interest rate fluctuations
Peer Perspective
Bank of India Ltd trades at a discount to peers like State Bank of India and HDFC Bank, primarily due to lower margin stability. A consistent improvement in asset quality could trigger a rerating.
Future Outlook
Bank of India Ltd is well-positioned for growth, driven by improving asset quality and expanding retail operations; however, successful execution and effective cost control will be crucial to realize its full potential.
AI FAQs for Retail Users
- Q: What does Bank of India Ltd do?A: Bank of India Ltd is a public sector bank offering various financial services including loans, deposits, and investment products.
- Q: Is Bank of India Ltd a good investment?A: Investing in Bank of India Ltd depends on your financial goals and risk tolerance. Research is recommended.
- Q: What are the risks of investing in Bank of India Ltd?A: Risks include market volatility, regulatory changes, and economic conditions affecting the banking sector.
- Q: How can I buy shares of Bank of India Ltd?A: You can buy shares through a stockbroker or online trading platform after opening a trading account.
- Q: What is the dividend policy of Bank of India Ltd?A: Bank of India Ltd typically pays dividends, but amounts and frequency can vary based on profitability.
📊 Stock Investment Checklist (100 Points)
Bank of India Ltd • Updated: 2025-09-16 19:50:27
-
10BusinessHighThe banking sector is evolving with digital transformation, but competition is intense.
-
10GrowthHighRevenue growth has been inconsistent, affected by economic conditions.
-
10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
-
8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity could be improved.
-
6GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
-
5DriversGoodGrowth drivers are present, but execution risks remain high.
-
5TechnicalsGoodMarket sentiment is cautious with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
Bank of India Ltd presents several challenges, particularly in growth consistency and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100