Indian Bank
Ticker: INDIANB
Decent
68/100
☆ Add to Watchlist
Investing Reference
Price
775.30
Market Cap
104430.12
Debt/Equity
0.0000
ROE %
17.086
PB
1.4596
Promoter %
73.836
Pledge %
0.000
1Y Rev Growth %
12.173
5Y Rev Growth %
23.850
NP Margin %
15.630
NP Margin 5Y Avg %
11.042
Trading Reference
1M Return %
10.224
6M Return %
43.242
1Y Return %
49.125
% Away 52W High
1.619
% Away 52W Low
63.600
Daily Volume
665475
Investment Verdict
Buy
Score 88/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 89/100 · Position size: 20%
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
Indian Bank is currently trading near a key support level, with recent volume indicating strong buying interest. If it breaks above the resistance level, it could see a potential upside. However, if it fails to hold the support, downside risk remains significant.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
More Options
L
Lupin Ltd
Lupin Ltd shows potential for growth but faces several challenges that could impact its performance.
View details
B
Bajaj Housing Finance Ltd
Bajaj Housing Finance Ltd shows potential for growth in a favorable sector, but faces challenges in profitability and valuation metrics. Caution is advised due to execution risks.
View details
G
GMR Airports Ltd
GMR Airports Ltd shows potential for growth in a recovering sector, but faces challenges in profitability and valuation metrics.
View details
J
JSW Energy Ltd
JSW Energy Ltd shows potential for growth in the renewable energy sector, but investors should be cautious of cash flow issues and governance concerns.
View details
B
BSE Ltd
BSE Ltd shows potential for growth but faces challenges in profitability and execution risks. Investors should be cautious.
View details
H
Hitachi Energy India Ltd
Hitachi Energy India Ltd shows a decent investment potential with solid growth prospects in a future-ready sector, though valuation concerns and execution risks should be monitored.
View details
I
Info Edge (India) Ltd
Info Edge (India) Ltd shows decent potential with strong growth and profitability metrics, but valuation concerns and execution risks should be monitored.
View details
S
SRF Ltd
SRF Ltd shows potential for growth in a favorable sector, but investors should be cautious of valuation and execution risks.
View details
N
Ntpc Green Energy Ltd
Ntpc Green Energy Ltd shows potential in the renewable sector, but faces challenges in profitability and execution risks.
View details
I
ICICI Prudential Life Insurance Company Ltd
ICICI Prudential Life Insurance has a decent outlook with growth potential, but investors should be cautious of valuation and execution risks.
View details
B
Bharti Hexacom Ltd
Bharti Hexacom Ltd shows potential for growth in a competitive sector, but faces challenges in profitability and valuation metrics.
View details
H
Hindustan Petroleum Corp Ltd
Hindustan Petroleum Corp Ltd shows potential for growth but faces significant risks and challenges in profitability and market valuation.
View details
P
Persistent Systems Ltd
Persistent Systems Ltd shows potential for growth but faces challenges in profitability and valuation metrics. It is advisable to monitor closely before making investment decisions.
View details
N
NHPC Ltd
NHPC Ltd shows decent potential with growth opportunities in the renewable sector, but faces challenges in profitability and valuation metrics.
View details
V
Vodafone Idea Ltd
Vodafone Idea Ltd faces significant challenges in growth, profitability, and financial stability, making it a risky investment.
View details
P
PB Fintech Ltd
PB Fintech Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
View details
Business Overview
Indian Bank is a leading public sector bank in India, committed to providing comprehensive banking solutions to individuals, businesses, and institutions. With a legacy of over 100 years, it plays a crucial role in the financial inclusion of millions across the nation. The bank offers a wide range of services, including savings accounts, loans, and investment options, tailored to meet diverse customer needs. Its strong focus on customer service and digital innovation positions it as a reliable partner for financial growth and stability.
- Established over 100 years ago
- Wide range of banking services
- Focus on financial inclusion
- Strong customer service ethos
- Emphasis on digital innovation
Investment Thesis
Indian Bank presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to its peers. With a focus on innovation and customer-centric solutions, the bank is well-positioned to capitalize on the expanding digital landscape in India.
- Strong backing from the government enhances credibility and stability.
- Significant investments in digital banking are driving customer acquisition and retention.
- Valuation metrics indicate a favorable position relative to industry peers.
- Strategic focus on retail lending aligns with India's growing consumer base.
- Potential for improved asset quality and profitability in the coming quarters.
Opportunity vs Risk
Opportunities
- Strong government support
- Growing retail loan demand
- Improving asset quality
- Digital banking expansion
- Attractive valuation compared to peers
Risks ⚠️
- Economic slowdown impact
- High non-performing assets
- Regulatory changes
- Intense competition in banking
- Interest rate fluctuations
Peer Perspective
Indian Bank trades at a discount to peers like SBI and HDFC Bank, reflecting concerns over margin stability. A sustained improvement in asset quality and growth acceleration could trigger a rerating.
Future Outlook
Indian Bank is well-positioned for growth, driven by its strategic initiatives and improving asset quality. However, successful execution and effective cost control will be crucial to fully realize its potential in the competitive banking landscape.
AI FAQs for Retail Users
- Q: What does Indian Bank do?A: Indian Bank is a public sector bank providing various financial services including loans, deposits, and investment products.
- Q: Is Indian Bank a safe investment?A: Like all investments, Indian Bank carries risks. It's important to research and consider your financial goals.
- Q: How can I buy shares of Indian Bank?A: You can buy shares through a stockbroker or an online trading platform that offers access to Indian stocks.
- Q: What factors affect Indian Bank's stock price?A: Factors include financial performance, economic conditions, interest rates, and regulatory changes impacting the banking sector.
- Q: Can I receive dividends from Indian Bank?A: Yes, Indian Bank may distribute dividends if declared by the board, depending on its financial performance.
📊 Stock Investment Checklist (100 Points)
Indian Bank • Updated: 2025-09-17 02:38:06
-
10BusinessHighThe banking sector is evolving with digital transformation, but Indian Bank faces stiff competition.
-
10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
-
10ProfitabilityHighROE and ROCE are moderate, with cash flow showing some volatility.
-
8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity ratios are not very strong.
-
6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
-
5DriversGoodGrowth drivers are limited, with execution risks in expanding digital services.
-
5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Indian Bank shows potential but faces challenges in growth consistency and market competition.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100