Canara Bank Research Reports - SOIC x StockScans

Canara Bank is a 120-year-old government-owned universal bank that does what every bank fundamentally does - it takes deposits and lends them out - but it does so at a scale that makes it India’s fourth-largest public sector lender, with a market share of more than 6% in both advances and deposits. It was formed in its current shape through the 2020 amalgamation of Syndicate Bank into Canara Bank, a merger that doubled down on a recurring approach: use a vast branch-led distribution network to gather low-cost deposits from every corner of the country and channel them into lending that is deliberately aligned with national priorities - agriculture, small business, housing, and infrastructure. That approach, which the bank itself calls a ‘Financial Supermarket’ offering ‘One Stop Banking’, explains why its story is one of breadth rather than niche - a balance-sheet engine built on retail and rural India, supported by a corporate and treasury franchise, and increasingly wired through a homegrown digital platform.

Business segments

Four engines that feed each other - a deposit-gathering foundation that funds a retail-and-small-business lending core, a corporate wholesale book that puts the same deposits to work at scale, and a treasury operation that manages the leftovers - all increasingly stitched together by a shared digital backbone.

1. RAM Credit: the bank’s main lending engine, built on retail, farming and small business

Nearly three-fifths of every rupee the bank lends domestically goes to individuals, farmers and micro-to-medium enterprises - a portfolio it grows organically through its own branches, not by buying someone else’s loans.

Grown branch by branch, not bought - the bank does not purchase loan portfolios and hardly participates in co-lending; its entire RAM (Retail, Agriculture, MSME) business is sourced from its own brick-and-mortar network, which means it controls the customer relationship from origination to collection.
Mortgages and gold anchor the retail book - housing loans alone account for ₹1,24,799 crore of the ₹2.96 lakh crore retail portfolio, and the bank deliberately tilts toward mortgage-backed products to reduce the risk of unsecured lending. Its gold loan business crossed ₹2,45,000 crore, with over 1.02 crore accounts, and the bank updates drawing power daily based on the market price of gold - so the collateral stays current automatically.
Farming is a mandate, not a side project - agriculture and allied lending stood at ₹2,75,777 crore, and the bank exceeds every government-mandated priority-sector norm: it lends 19.52% of its adjusted net bank credit to agriculture against a 18% requirement, and 12.55% to small and marginal farmers against a 10% target. It sponsors four Regional Rural Banks and runs Kisan Credit Cards and self-help-group loans, making the farm book a distribution play as much as a credit one.
MSME lending with a government toolkit - the ₹1.57 lakh crore MSME book is served through working-capital facilities, supply-chain finance, and cash-management solutions, with concessional pricing for borrowers certified under the government’s Zero Effect Zero Defect scheme.
Floating rates protect the margin - roughly 90% of the bank’s lending rates are linked to external or internal benchmarks (51% to MCLR, 39% to the repo rate), so when the interest-rate cycle moves, the loan book reprices without the bank having to renegotiate every contract.

2. Corporate & Wholesale Banking: putting the deposit base to work with large borrowers

A ₹5 lakh crore corporate book that lends to infrastructure, NBFCs and government-backed entities, with a credit quality that is overwhelmingly investment-grade.

Infrastructure and NBFCs dominate - the two largest industry exposures are infrastructure (₹1,28,239 crore) and non-banking finance companies (₹1,57,478 crore), sectors that typically carry long-duration assets and refinancing needs that a large public-sector balance sheet can absorb.
Government guarantees lower the risk - the bank holds ₹30,778 crore in central-government-guaranteed exposure and ₹44,107 crore in state-government-guaranteed exposure, effectively substituting sovereign credit for corporate credit on a meaningful slice of the book.
Quality that is measurable - for domestic advances above ₹50 crore, 85% of the rated book is rated ‘A and above’, and for NBFC exposure the figure is 100%, which means the corporate book is skewed toward borrowers with a low probability of default.
APIs and a corporate app make it sticky - corporate customers can plug into 50-plus APIs for account and reconciliation services through a developer portal, and the bank launched a dedicated corporate mobile app because clients asked for one; the relationship becomes harder to unwind when the bank’s systems are wired into the customer’s own treasury software.
Overseas branches serve wholesale, not retail - the London, New York, Dubai and Gift City branches focus on syndicated term loans, external commercial borrowings and trade credit, so the international network is an extension of the corporate franchise rather than a separate consumer play.

3. Deposits & Liability Franchise: the raw material that makes everything else possible

A ₹15.68 lakh crore deposit pool gathered through 10,000-plus branches, where the strategic battle is to shift the mix toward cheaper current and savings accounts.

South India is the stronghold - the bank’s deposit franchise is deepest in South India, giving it a regional funding advantage that many northern- and western-heavy peers do not share.
CASA is the weak spot - and the focus - the domestic current-and-savings-account ratio was 29.5%, below the public-sector average, so the bank’s cost of funds runs higher than peers’; the stated strategy is to grow CASA by marketing to corporates and government agencies and by using its internet and mobile platforms to acquire stickier transactional accounts.
Retail deposits are the stable base - retail and small-business deposits carry a lower run-off factor than wholesale funding, and they make up the majority of total funding, which means the bank is not at the mercy of a few large institutional depositors who might leave when rates move.
Specialised accounts for specific lives - the product shelf includes a women’s savings account with built-in cancer-care and accident insurance, a premium payroll package for corporate employees that bundles free term life cover, and a green deposit framework for environmentally earmarked funds, each designed to attract a distinct customer segment rather than compete on rate alone.

4. Treasury & Investment Operations: managing the liquidity buffer and earning non-interest income

A ₹4.05 lakh crore investment portfolio - mostly government bonds held to maturity - that generates interest income and, when markets cooperate, trading gains.

SLR securities are the anchor - 85.25% of the domestic investment book is in statutory liquidity ratio securities, essentially government bonds that the bank is required to hold and that double as the safest asset on the balance sheet.
Mark-to-market swings are real - the bank took an ₹800 crore mark-to-market hit in one period when bond yields rose from 6.59% to 7.05% and equities corrected, a reminder that even a predominantly held-to-maturity book is exposed to the quarter’s price moves.
ALCO keeps the mismatch in check - an Asset Liability Management Committee oversees liquidity and interest-rate risk under a board-approved policy, ensuring that the bank’s funding and lending tenors do not drift dangerously apart.

Digital Banking & Technology Platform

A shared capability engine - the super-app, the lending platform, the data lake and the cyber-security stack - that serves every segment rather than being a standalone business.

One super-app for retail, another for corporate - the “Canara ai1” app is the flagship digital storefront for individuals, while “Canara ai1 CORPORATE” gives business customers a mobile channel; together they are the digital expression of the bank’s universal-banking model.
Digital lending from end to end - personal loans, MSME Shishu loans and gold loans can now be originated and documented digitally, with e-signatures and e-stamping handled through a tie-up with National E-Governance Services; total 10,77,987 gold-loan documents were digitally signed in FY 2024-25.
A data lake and an analytics brain - the bank built a Centre of Excellence for Data and Analytics with a data lake, partnered with NEC, HPE and Microsoft for cloud and lake-house infrastructure, and runs machine-learning models to scrub customer data and generate cross-sell leads that convert at a high rate when a customer walks up to the counter.
Thirteen languages, one chatbot - WhatsApp banking and the “AURA” chatbot operate in up to 13 languages, while a voice-bot service is available in 5 languages and a single toll-free number offers 47 services in 17 languages around the clock, making the digital layer accessible to customers who do not speak English or Hindi.

Group structure and partners

A government-anchored financial conglomerate with a 62.93% government shareholding, a web of listed and unlisted subsidiaries spanning asset management, life insurance and home finance, and a distribution network that extends through four sponsored regional rural banks.

The two largest associates - Canara Robeco Asset Management Company (38% held) and Canara HSBC Life Insurance (36.50% held) - were both listed on stock exchanges in October 2025 after the bank diluted its stake through IPOs, with government exemptions allowing it to hold above the 30% regulatory threshold until October 2029.
Other subsidiaries include Can Fin Homes (29.99%, home finance), Canbank Factors (70%, factoring), Canara Bank Securities (100%, depository and broking), Canbank Computer Services (69.14%, IT and software), and Canbank Venture Capital Fund (100%, managing five funds), each extending a financial service the bank itself does not directly provide.
The 2020 amalgamation of Syndicate Bank created the current entity, and the bank has since been tidying its perimeter: it sold its 40% stake in a subsidiary (CIBL) to SBI, wound down its Tanzanian subsidiary by transferring assets and liabilities to Exim Bank Tanzania, and received RBI approval to divest its 70% stake in Canbank Factors.

Quarter	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue RevenueCr	28,492	29,286	29,173	30,182	30,751	31,496	31,523	32,072	30,938	31,839	32,957	35,162
Growth YoY Revenue Growth YoY%	26.3	20.5	14.6	10.6	7.9	7.5	8.1	6.3	0.6	1.1	4.5	9.6
Interest Expended Interest ExpendedCr	18,620	19,226	19,534	20,427	21,163	21,556	21,992	22,412	22,709	22,024	22,737	24,151
Expenses ExpensesCr	12,001	13,198	12,010	12,066	10,752	12,124	13,141	13,251	4,002	8,871	10,391	9,803
Financing Profit Financing ProfitCr	-2,129	-3,138	-2,371	-2,312	-1,165	-2,185	-3,610	-3,591	4,227	944	-172	1,209
FPM FPM%	-7.5	-10.7	-8.1	-7.7	-3.8	-6.9	-11.4	-11.2	13.7	3.0	-0.5	3.4
Other Income Other IncomeCr	7,138	8,098	7,793	7,824	6,679	8,761	9,919	9,942	2,152	4,700	6,739	5,777
Depreciation DepreciationCr	0	0	0	0	0	0	0	0	0	0	0	0
PBT PBTCr	5,009	4,960	5,422	5,513	5,515	6,576	6,308	6,351	6,379	5,644	6,567	6,986
Tax TaxCr	1,270	1,167	1,445	1,412	1,354	1,478	1,472	1,485	1,510	1,263	1,703	1,804
PAT PATCr	3,738	3,793	3,977	4,100	4,161	5,097	3,003	4,866	4,868	4,381	4,864	5,182
Growth YoY PAT Growth YoY%	27.9	17.3	11.3	11.5	11.3	34.4	-24.5	18.7	17.0	-14.1	62.0	6.5
NPM NPM%	13.1	12.9	13.6	13.6	13.5	16.2	9.5	15.2	15.7	13.8	14.8	14.7
EPS EPS₹	4.2	4.4	4.5	4.6	4.7	5.6	3.5	5.3	5.8	5.0	5.7	5.9
Ratios Ratios

Quarter

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Sep 2026

Revenue

RevenueCr

28,492

29,286

29,173

30,182

30,751

31,496

31,523

32,072

30,938

31,839

32,957

35,162

Growth YoY

Revenue Growth YoY%

26.3

20.5

14.6

10.6

7.9

7.5

8.1

6.3

0.6

1.1

4.5

9.6

Interest Expended

Interest ExpendedCr

18,620

19,226

19,534

20,427

21,163

21,556

21,992

22,412

22,709

22,024

22,737

24,151

Expenses

ExpensesCr

12,001

13,198

12,010

12,066

10,752

12,124

13,141

13,251

4,002

8,871

10,391

9,803

Financing Profit

Financing ProfitCr

-2,129

-3,138

-2,371

-2,312

-1,165

-2,185

-3,610

-3,591

4,227

944

-172

1,209

FPM

FPM%

-7.5

-10.7

-8.1

-7.7

-3.8

-6.9

-11.4

-11.2

13.7

3.0

-0.5

3.4

Other Income

Other IncomeCr

7,138

8,098

7,793

7,824

6,679

8,761

9,919

9,942

2,152

4,700

6,739

5,777

Depreciation

DepreciationCr

PBT

PBTCr

5,009

4,960

5,422

5,513

5,515

6,576

6,308

6,351

6,379

5,644

6,567

6,986

Tax

TaxCr

1,270

1,167

1,445

1,412

1,354

1,478

1,472

1,485

1,510

1,263

1,703

1,804

PAT

PATCr

3,738

3,793

3,977

4,100

4,161

5,097

3,003

4,866

4,868

4,381

4,864

5,182

Growth YoY

PAT Growth YoY%

27.9

17.3

11.3

11.5

11.3

34.4

-24.5

18.7

17.0

-14.1

62.0

6.5

NPM

NPM%

13.1

12.9

13.6

13.5

16.2

9.5

15.2

15.7

13.8

14.8

14.7

EPS

EPS₹

4.2

4.4

4.5

4.6

4.7

5.6

3.5

5.3

5.8

5.0

5.7

5.9

Ratios

Quarter	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue RevenueCr	28,492	29,286	29,173	30,182	30,751	31,496	31,523	32,072	30,938	31,839	32,957	35,162
Growth YoY Revenue Growth YoY%	26.3	20.5	14.6	10.6	7.9	7.5	8.1	6.3	0.6	1.1	4.5	9.6
Interest Expended Interest ExpendedCr	18,620	19,226	19,534	20,427	21,163	21,556	21,992	22,412	22,709	22,024	22,737	24,151
Expenses ExpensesCr	12,001	13,198	12,010	12,066	10,752	12,124	13,141	13,251	4,002	8,871	10,391	9,803
Financing Profit Financing ProfitCr	-2,129	-3,138	-2,371	-2,312	-1,165	-2,185	-3,610	-3,591	4,227	944	-172	1,209
FPM FPM%	-7.5	-10.7	-8.1	-7.7	-3.8	-6.9	-11.4	-11.2	13.7	3.0	-0.5	3.4
Other Income Other IncomeCr	7,138	8,098	7,793	7,824	6,679	8,761	9,919	9,942	2,152	4,700	6,739	5,777
Depreciation DepreciationCr	0	0	0	0	0	0	0	0	0	0	0	0
PBT PBTCr	5,009	4,960	5,422	5,513	5,515	6,576	6,308	6,351	6,379	5,644	6,567	6,986
Tax TaxCr	1,270	1,167	1,445	1,412	1,354	1,478	1,472	1,485	1,510	1,263	1,703	1,804
PAT PATCr	3,738	3,793	3,977	4,100	4,161	5,097	3,003	4,866	4,868	4,381	4,864	5,182
Growth YoY PAT Growth YoY%	27.9	17.3	11.3	11.5	11.3	34.4	-24.5	18.7	17.0	-14.1	62.0	6.5
NPM NPM%	13.1	12.9	13.6	13.6	13.5	16.2	9.5	15.2	15.7	13.8	14.8	14.7
EPS EPS₹	4.2	4.4	4.5	4.6	4.7	5.6	3.5	5.3	5.8	5.0	5.7	5.9
Ratios Ratios

Quarter

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Sep 2026

Revenue

RevenueCr

28,492

29,286

29,173

30,182

30,751

31,496

31,523

32,072

30,938

31,839

32,957

35,162

Growth YoY

Revenue Growth YoY%

26.3

20.5

14.6

10.6

7.9

7.5

8.1

6.3

0.6

1.1

4.5

9.6

Interest Expended

Interest ExpendedCr

18,620

19,226

19,534

20,427

21,163

21,556

21,992

22,412

22,709

22,024

22,737

24,151

Expenses

ExpensesCr

12,001

13,198

12,010

12,066

10,752

12,124

13,141

13,251

4,002

8,871

10,391

9,803

Financing Profit

Financing ProfitCr

-2,129

-3,138

-2,371

-2,312

-1,165

-2,185

-3,610

-3,591

4,227

944

-172

1,209

FPM

FPM%

-7.5

-10.7

-8.1

-7.7

-3.8

-6.9

-11.4

-11.2

13.7

3.0

-0.5

3.4

Other Income

Other IncomeCr

7,138

8,098

7,793

7,824

6,679

8,761

9,919

9,942

2,152

4,700

6,739

5,777

Depreciation

DepreciationCr

PBT

PBTCr

5,009

4,960

5,422

5,513

5,515

6,576

6,308

6,351

6,379

5,644

6,567

6,986

Tax

TaxCr

1,270

1,167

1,445

1,412

1,354

1,478

1,472

1,485

1,510

1,263

1,703

1,804

PAT

PATCr

3,738

3,793

3,977

4,100

4,161

5,097

3,003

4,866

4,868

4,381

4,864

5,182

Growth YoY

PAT Growth YoY%

27.9

17.3

11.3

11.5

11.3

34.4

-24.5

18.7

17.0

-14.1

62.0

6.5

NPM

NPM%

13.1

12.9

13.6

13.5

16.2

9.5

15.2

15.7

13.8

14.8

14.7

EPS

EPS₹

4.2

4.4

4.5

4.6

4.7

5.6

3.5

5.3

5.8

5.0

5.7

5.9

Ratios

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	44,039	41,457	41,345	47,951	49,759	70,253	70,614	85,885	1,10,519	1,21,601	1,26,371	1,30,895
Growth Revenue Growth%	0.5	-5.9	-0.3	16.0	3.8	41.2	0.5	21.6	28.7	10.0	3.9	4.0
Interest Expended Interest ExpendedCr	34,263	31,540	29,113	32,339	35,817	45,183	43,035	52,990	72,118	82,681	89,138	91,621
Expenses ExpensesCr	17,785	15,691	25,582	27,202	26,809	43,437	41,235	42,772	46,146	46,082	38,340	33,066
Financing Profit Financing ProfitCr	-8,008	-5,775	-13,350	-11,590	-12,867	-18,367	-13,657	-9,877	-7,745	-7,162	-1,106	6,208
FPM FPM%	-18.2	-13.9	-32.3	-24.2	-25.9	-26.1	-19.3	-11.5	-7.0	-5.9	-0.9	4.7
Other Income Other IncomeCr	5,131	7,852	7,398	9,907	11,799	23,086	23,643	25,325	28,646	31,057	26,712	19,367
Depreciation DepreciationCr	172	331	456	429	446	838	841	1,021	902	870	925	0
PBT PBTCr	-3,049	1,746	-6,408	-2,111	-1,514	3,882	9,145	14,427	20,000	23,025	24,681	25,575
Tax TaxCr	-379	513	-2,321	-2,659	509	1,180	3,350	3,619	5,217	5,689	5,730	6,280
PAT PATCr	-2,535	1,411	-3,873	696	-1,921	2,957	6,158	11,345	15,401	17,692	19,712	19,295
Growth PAT Growth%	-186.5	155.7	-374.5	118.0	-376.0	253.9	108.3	84.2	35.8	14.9	11.4	12.7
NPM NPM%	-5.8	3.4	-9.4	1.4	-3.9	4.2	8.7	13.2	13.9	14.6	15.6	14.7
EPS EPS₹	-9.7	5.0	-13.2	1.6	-4.7	3.8	7.0	12.4	16.8	19.3	21.7	22.5

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Revenue

RevenueCr

44,039

41,457

41,345

47,951

49,759

70,253

70,614

85,885

1,10,519

1,21,601

1,26,371

1,30,895

Growth

Revenue Growth%

0.5

-5.9

-0.3

16.0

3.8

41.2

0.5

21.6

28.7

10.0

3.9

4.0

Interest Expended

Interest ExpendedCr

34,263

31,540

29,113

32,339

35,817

45,183

43,035

52,990

72,118

82,681

89,138

91,621

Expenses

ExpensesCr

17,785

15,691

25,582

27,202

26,809

43,437

41,235

42,772

46,146

46,082

38,340

33,066

Financing Profit

Financing ProfitCr

-8,008

-5,775

-13,350

-11,590

-12,867

-18,367

-13,657

-9,877

-7,745

-7,162

-1,106

6,208

FPM

FPM%

-18.2

-13.9

-32.3

-24.2

-25.9

-26.1

-19.3

-11.5

-7.0

-5.9

-0.9

4.7

Other Income

Other IncomeCr

5,131

7,852

7,398

9,907

11,799

23,086

23,643

25,325

28,646

31,057

26,712

19,367

Depreciation

DepreciationCr

172

331

456

429

446

838

841

1,021

902

870

925

PBT

PBTCr

-3,049

1,746

-6,408

-2,111

-1,514

3,882

9,145

14,427

20,000

23,025

24,681

25,575

Tax

TaxCr

-379

513

-2,321

-2,659

509

1,180

3,350

3,619

5,217

5,689

5,730

6,280

PAT

PATCr

-2,535

1,411

-3,873

696

-1,921

2,957

6,158

11,345

15,401

17,692

19,712

19,295

Growth

PAT Growth%

-186.5

155.7

-374.5

118.0

-376.0

253.9

108.3

84.2

35.8

14.9

11.4

12.7

NPM

NPM%

-5.8

3.4

-9.4

1.4

-3.9

4.2

8.7

13.2

13.9

14.6

15.6

14.7

EPS

EPS₹

-9.7

5.0

-13.2

1.6

-4.7

3.8

7.0

12.4

16.8

19.3

21.7

22.5

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	44,039	41,457	41,345	47,951	49,759	70,253	70,614	85,885	1,10,519	1,21,601	1,26,371	1,30,895
Growth Revenue Growth%	0.5	-5.9	-0.3	16.0	3.8	41.2	0.5	21.6	28.7	10.0	3.9	4.0
Interest Expended Interest ExpendedCr	34,263	31,540	29,113	32,339	35,817	45,183	43,035	52,990	72,118	82,681	89,138	91,621
Expenses ExpensesCr	17,785	15,691	25,582	27,202	26,809	43,437	41,235	42,772	46,146	46,082	38,340	33,066
Financing Profit Financing ProfitCr	-8,008	-5,775	-13,350	-11,590	-12,867	-18,367	-13,657	-9,877	-7,745	-7,162	-1,106	6,208
FPM FPM%	-18.2	-13.9	-32.3	-24.2	-25.9	-26.1	-19.3	-11.5	-7.0	-5.9	-0.9	4.7
Other Income Other IncomeCr	5,131	7,852	7,398	9,907	11,799	23,086	23,643	25,325	28,646	31,057	26,712	19,367
Depreciation DepreciationCr	172	331	456	429	446	838	841	1,021	902	870	925	0
PBT PBTCr	-3,049	1,746	-6,408	-2,111	-1,514	3,882	9,145	14,427	20,000	23,025	24,681	25,575
Tax TaxCr	-379	513	-2,321	-2,659	509	1,180	3,350	3,619	5,217	5,689	5,730	6,280
PAT PATCr	-2,535	1,411	-3,873	696	-1,921	2,957	6,158	11,345	15,401	17,692	19,712	19,295
Growth PAT Growth%	-186.5	155.7	-374.5	118.0	-376.0	253.9	108.3	84.2	35.8	14.9	11.4	12.7
NPM NPM%	-5.8	3.4	-9.4	1.4	-3.9	4.2	8.7	13.2	13.9	14.6	15.6	14.7
EPS EPS₹	-9.7	5.0	-13.2	1.6	-4.7	3.8	7.0	12.4	16.8	19.3	21.7	22.5

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Revenue

RevenueCr

44,039

41,457

41,345

47,951

49,759

70,253

70,614

85,885

1,10,519

1,21,601

1,26,371

1,30,895

Growth

Revenue Growth%

0.5

-5.9

-0.3

16.0

3.8

41.2

0.5

21.6

28.7

10.0

3.9

4.0

Interest Expended

Interest ExpendedCr

34,263

31,540

29,113

32,339

35,817

45,183

43,035

52,990

72,118

82,681

89,138

91,621

Expenses

ExpensesCr

17,785

15,691

25,582

27,202

26,809

43,437

41,235

42,772

46,146

46,082

38,340

33,066

Financing Profit

Financing ProfitCr

-8,008

-5,775

-13,350

-11,590

-12,867

-18,367

-13,657

-9,877

-7,745

-7,162

-1,106

6,208

FPM

FPM%

-18.2

-13.9

-32.3

-24.2

-25.9

-26.1

-19.3

-11.5

-7.0

-5.9

-0.9

4.7

Other Income

Other IncomeCr

5,131

7,852

7,398

9,907

11,799

23,086

23,643

25,325

28,646

31,057

26,712

19,367

Depreciation

DepreciationCr

172

331

456

429

446

838

841

1,021

902

870

925

PBT

PBTCr

-3,049

1,746

-6,408

-2,111

-1,514

3,882

9,145

14,427

20,000

23,025

24,681

25,575

Tax

TaxCr

-379

513

-2,321

-2,659

509

1,180

3,350

3,619

5,217

5,689

5,730

6,280

PAT

PATCr

-2,535

1,411

-3,873

696

-1,921

2,957

6,158

11,345

15,401

17,692

19,712

19,295

Growth

PAT Growth%

-186.5

155.7

-374.5

118.0

-376.0

253.9

108.3

84.2

35.8

14.9

11.4

12.7

NPM

NPM%

-5.8

3.4

-9.4

1.4

-3.9

4.2

8.7

13.2

13.9

14.6

15.6

14.7

EPS

EPS₹

-9.7

5.0

-13.2

1.6

-4.7

3.8

7.0

12.4

16.8

19.3

21.7

22.5

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
Equity Capital Equity CapitalCr	543	597	733	753	1,030	1,647	1,814	1,814	1,814	1,814	1,814	1,814
Reserves ReservesCr	31,867	34,088	36,164	36,936	40,176	60,763	68,147	76,240	90,319	1,03,603	1,15,891	1,26,206
Deposits DepositsCr	4,79,749	4,95,266	5,24,847	5,99,123	6,25,408	10,10,985	10,86,341	11,79,086	13,12,242	14,56,495	15,68,333	16,96,935
Borrowings BorrowingsCr	26,963	39,592	38,910	41,043	42,762	50,013	46,285	58,073	57,538	89,665	1,55,288	1,67,912
Other Liabilities Other LiabilitiesCr	24,603	26,615	30,781	33,928	32,064	56,132	56,202	65,816	73,104	80,950	45,999	44,948
Total Liabilities Total LiabilitiesCr	5,63,725	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,32,527	18,87,325	20,37,815
Fixed Assets Fixed AssetsCr					8,323	11,271	11,450	10,334	12,331	10,302	10,595	10,882
Investments InvestmentsCr	1,52,470	1,62,073	1,57,444	1,68,678	1,92,645	2,86,191	3,11,347	3,52,893	3,99,207	4,28,024	4,07,389	4,16,334
Advances AdvancesCr	3,47,235	3,66,710	4,09,613	4,64,753	4,68,029	6,92,502	7,44,596	8,70,072	9,66,561	10,83,373	12,59,999	14,02,054
Cash Equivalents Cash EquivalentsCr	56,744	58,967	50,225	66,531	68,590	1,78,866	1,82,391	1,41,703	1,51,165	2,05,890	2,06,330
Other Assets Other AssetsCr	7,276	8,408	14,154	11,821	3,852	10,708	9,004	6,028	5,754	4,938	3,012	2,08,545
Total Assets Total AssetsCr	5,63,725	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,32,527	18,87,325	20,37,815

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Sep 2026

Equity Capital

Equity CapitalCr

543

597

733

753

1,030

1,647

1,814

Reserves

ReservesCr

31,867

34,088

36,164

36,936

40,176

60,763

68,147

76,240

90,319

1,03,603

1,15,891

1,26,206

Deposits

DepositsCr

4,79,749

4,95,266

5,24,847

5,99,123

6,25,408

10,10,985

10,86,341

11,79,086

13,12,242

14,56,495

15,68,333

16,96,935

Borrowings

BorrowingsCr

26,963

39,592

38,910

41,043

42,762

50,013

46,285

58,073

57,538

89,665

1,55,288

1,67,912

Other Liabilities

Other LiabilitiesCr

24,603

26,615

30,781

33,928

32,064

56,132

56,202

65,816

73,104

80,950

45,999

44,948

Total Liabilities

Total LiabilitiesCr

5,63,725

5,96,159

6,31,435

7,11,783

7,41,440

11,79,540

12,58,789

13,81,030

15,35,018

17,32,527

18,87,325

20,37,815

Fixed Assets

Fixed AssetsCr

8,323

11,271

11,450

10,334

12,331

10,302

10,595

10,882

Investments

InvestmentsCr

1,52,470

1,62,073

1,57,444

1,68,678

1,92,645

2,86,191

3,11,347

3,52,893

3,99,207

4,28,024

4,07,389

4,16,334

Advances

AdvancesCr

3,47,235

3,66,710

4,09,613

4,64,753

4,68,029

6,92,502

7,44,596

8,70,072

9,66,561

10,83,373

12,59,999

14,02,054

Cash Equivalents

Cash EquivalentsCr

56,744

58,967

50,225

66,531

68,590

1,78,866

1,82,391

1,41,703

1,51,165

2,05,890

2,06,330

Other Assets

Other AssetsCr

7,276

8,408

14,154

11,821

3,852

10,708

9,004

6,028

5,754

4,938

3,012

2,08,545

Total Assets

Total AssetsCr

5,63,725

5,96,159

6,31,435

7,11,783

7,41,440

11,79,540

12,58,789

13,81,030

15,35,018

17,32,527

18,87,325

20,37,815

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
Equity Capital Equity CapitalCr	543	597	733	753	1,030	1,647	1,814	1,814	1,814	1,814	1,814	1,814
Reserves ReservesCr	31,867	34,088	36,164	36,936	40,176	60,763	68,147	76,240	90,319	1,03,603	1,15,891	1,26,206
Deposits DepositsCr	4,79,749	4,95,266	5,24,847	5,99,123	6,25,408	10,10,985	10,86,341	11,79,086	13,12,242	14,56,495	15,68,333	16,96,935
Borrowings BorrowingsCr	26,963	39,592	38,910	41,043	42,762	50,013	46,285	58,073	57,538	89,665	1,55,288	1,67,912
Other Liabilities Other LiabilitiesCr	24,603	26,615	30,781	33,928	32,064	56,132	56,202	65,816	73,104	80,950	45,999	44,948
Total Liabilities Total LiabilitiesCr	5,63,725	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,32,527	18,87,325	20,37,815
Fixed Assets Fixed AssetsCr					8,323	11,271	11,450	10,334	12,331	10,302	10,595	10,882
Investments InvestmentsCr	1,52,470	1,62,073	1,57,444	1,68,678	1,92,645	2,86,191	3,11,347	3,52,893	3,99,207	4,28,024	4,07,389	4,16,334
Advances AdvancesCr	3,47,235	3,66,710	4,09,613	4,64,753	4,68,029	6,92,502	7,44,596	8,70,072	9,66,561	10,83,373	12,59,999	14,02,054
Cash Equivalents Cash EquivalentsCr	56,744	58,967	50,225	66,531	68,590	1,78,866	1,82,391	1,41,703	1,51,165	2,05,890	2,06,330
Other Assets Other AssetsCr	7,276	8,408	14,154	11,821	3,852	10,708	9,004	6,028	5,754	4,938	3,012	2,08,545
Total Assets Total AssetsCr	5,63,725	5,96,159	6,31,435	7,11,783	7,41,440	11,79,540	12,58,789	13,81,030	15,35,018	17,32,527	18,87,325	20,37,815

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Sep 2026

Equity Capital

Equity CapitalCr

543

597

733

753

1,030

1,647

1,814

Reserves

ReservesCr

31,867

34,088

36,164

36,936

40,176

60,763

68,147

76,240

90,319

1,03,603

1,15,891

1,26,206

Deposits

DepositsCr

4,79,749

4,95,266

5,24,847

5,99,123

6,25,408

10,10,985

10,86,341

11,79,086

13,12,242

14,56,495

15,68,333

16,96,935

Borrowings

BorrowingsCr

26,963

39,592

38,910

41,043

42,762

50,013

46,285

58,073

57,538

89,665

1,55,288

1,67,912

Other Liabilities

Other LiabilitiesCr

24,603

26,615

30,781

33,928

32,064

56,132

56,202

65,816

73,104

80,950

45,999

44,948

Total Liabilities

Total LiabilitiesCr

5,63,725

5,96,159

6,31,435

7,11,783

7,41,440

11,79,540

12,58,789

13,81,030

15,35,018

17,32,527

18,87,325

20,37,815

Fixed Assets

Fixed AssetsCr

8,323

11,271

11,450

10,334

12,331

10,302

10,595

10,882

Investments

InvestmentsCr

1,52,470

1,62,073

1,57,444

1,68,678

1,92,645

2,86,191

3,11,347

3,52,893

3,99,207

4,28,024

4,07,389

4,16,334

Advances

AdvancesCr

3,47,235

3,66,710

4,09,613

4,64,753

4,68,029

6,92,502

7,44,596

8,70,072

9,66,561

10,83,373

12,59,999

14,02,054

Cash Equivalents

Cash EquivalentsCr

56,744

58,967

50,225

66,531

68,590

1,78,866

1,82,391

1,41,703

1,51,165

2,05,890

2,06,330

Other Assets

Other AssetsCr

7,276

8,408

14,154

11,821

3,852

10,708

9,004

6,028

5,754

4,938

3,012

2,08,545

Total Assets

Total AssetsCr

5,63,725

5,96,159

6,31,435

7,11,783

7,41,440

11,79,540

12,58,789

13,81,030

15,35,018

17,32,527

18,87,325

20,37,815

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	9,346	2,575	-11,120	18,237	-5,289	59,118	919	-39,978	15,047	60,669	7,942
Investing Cash Flow Investing Cash FlowCr	-485	-401	-553	-730	-411	-1,029	-1,256	-1,238	-1,748	-2,461	-2,812
Financing Cash Flow Financing Cash FlowCr	-806	124	2,865	-1,185	7,792	290	4,035	445	-3,834	-3,506	-4,795
Net Cash Flow Net Cash FlowCr	8,096	2,224	-8,743	16,307	2,059	58,291	3,525	-40,689	9,462	54,725	440
Free Cash Flow Free Cash FlowCr	8,976	2,195	-11,580	17,631	-5,627	58,195	98	-40,591	13,793	61,830	6,652
CFO To EBITDA CFO To EBITDA%	-116.7	-44.6	83.3	-157.3	41.1	-321.9	-6.7	404.7	-194.3	-847.1	-718.1

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Operating Cash Flow

Operating Cash FlowCr

9,346

2,575

-11,120

18,237

-5,289

59,118

919

-39,978

15,047

60,669

7,942

Investing Cash Flow

Investing Cash FlowCr

-485

-401

-553

-730

-411

-1,029

-1,256

-1,238

-1,748

-2,461

-2,812

Financing Cash Flow

Financing Cash FlowCr

-806

124

2,865

-1,185

7,792

290

4,035

445

-3,834

-3,506

-4,795

Net Cash Flow

Net Cash FlowCr

8,096

2,224

-8,743

16,307

2,059

58,291

3,525

-40,689

9,462

54,725

440

Free Cash Flow

Free Cash FlowCr

8,976

2,195

-11,580

17,631

-5,627

58,195

-40,591

13,793

61,830

6,652

CFO To EBITDA

CFO To EBITDA%

-116.7

-44.6

83.3

-157.3

41.1

-321.9

-6.7

404.7

-194.3

-847.1

-718.1

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	9,346	2,575	-11,120	18,237	-5,289	59,118	919	-39,978	15,047	60,669	7,942
Investing Cash Flow Investing Cash FlowCr	-485	-401	-553	-730	-411	-1,029	-1,256	-1,238	-1,748	-2,461	-2,812
Financing Cash Flow Financing Cash FlowCr	-806	124	2,865	-1,185	7,792	290	4,035	445	-3,834	-3,506	-4,795
Net Cash Flow Net Cash FlowCr	8,096	2,224	-8,743	16,307	2,059	58,291	3,525	-40,689	9,462	54,725	440
Free Cash Flow Free Cash FlowCr	8,976	2,195	-11,580	17,631	-5,627	58,195	98	-40,591	13,793	61,830	6,652
CFO To EBITDA CFO To EBITDA%	-116.7	-44.6	83.3	-157.3	41.1	-321.9	-6.7	404.7	-194.3	-847.1	-718.1

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Operating Cash Flow

Operating Cash FlowCr

9,346

2,575

-11,120

18,237

-5,289

59,118

919

-39,978

15,047

60,669

7,942

Investing Cash Flow

Investing Cash FlowCr

-485

-401

-553

-730

-411

-1,029

-1,256

-1,238

-1,748

-2,461

-2,812

Financing Cash Flow

Financing Cash FlowCr

-806

124

2,865

-1,185

7,792

290

4,035

445

-3,834

-3,506

-4,795

Net Cash Flow

Net Cash FlowCr

8,096

2,224

-8,743

16,307

2,059

58,291

3,525

-40,689

9,462

54,725

440

Free Cash Flow

Free Cash FlowCr

8,976

2,195

-11,580

17,631

-5,627

58,195

-40,591

13,793

61,830

6,652

CFO To EBITDA

CFO To EBITDA%

-116.7

-44.6

83.3

-157.3

41.1

-321.9

-6.7

404.7

-194.3

-847.1

-718.1

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	10,309	18,098	19,376	21,991	9,313	25,072	41,290	51,612	1,05,419	80,747	1,12,068	1,10,662
Price To Earnings Price To Earnings		13.3		36.5		8.7	6.7	4.6	6.9	4.6	6.3	5.4
Price To Sales Price To Sales	0.2	0.4	0.5	0.5	0.2	0.4	0.6	0.6	0.9	0.7	0.9	0.8
Price To Book Price To Book	0.4	0.6	0.6	0.7	0.3	0.5	0.7	0.7	1.3	0.8	1.0	0.9
EV To EBITDA EV To EBITDA	2.4	0.2	-0.6	0.3	1.3	5.7	6.9	3.2	-1.5	5.0	-55.2	284.1
Profitability Ratios Profitability Ratios
FPM FPM%	-18.2	-13.9	-32.3	-24.2	-25.9	-26.1	-19.3	-11.5	-7.0	-5.9	-0.9	4.7
NPM NPM%	-5.8	3.4	-9.4	1.4	-3.9	4.2	8.7	13.2	13.9	14.6	15.6	14.7
ROCE ROCE%	5.8	5.8	3.8	4.5	4.8	4.4	4.3	5.1	6.3	6.4	6.2	5.9
ROE ROE%	-7.8	4.1	-10.5	1.9	-4.7	4.7	8.8	14.5	16.7	16.8	16.8	15.1
ROA ROA%	-0.5	0.2	-0.6	0.1	-0.3	0.3	0.5	0.8	1.0	1.0	1.0	0.9
Solvency Ratios Solvency Ratios

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Current

Valuation Ratios

Market Cap

Market CapitalizationCr

10,309

18,098

19,376

21,991

9,313

25,072

41,290

51,612

1,05,419

80,747

1,12,068

1,10,662

Price To Earnings

13.3

36.5

8.7

6.7

4.6

6.9

4.6

6.3

5.4

Price To Sales

0.2

0.4

0.5

0.2

0.4

0.6

0.9

0.7

0.9

0.8

Price To Book

0.4

0.6

0.7

0.3

0.5

0.7

1.3

0.8

1.0

0.9

EV To EBITDA

2.4

0.2

-0.6

0.3

1.3

5.7

6.9

3.2

-1.5

5.0

-55.2

284.1

Profitability Ratios

FPM

FPM%

-18.2

-13.9

-32.3

-24.2

-25.9

-26.1

-19.3

-11.5

-7.0

-5.9

-0.9

4.7

NPM

NPM%

-5.8

3.4

-9.4

1.4

-3.9

4.2

8.7

13.2

13.9

14.6

15.6

14.7

ROCE

ROCE%

5.8

3.8

4.5

4.8

4.4

4.3

5.1

6.3

6.4

6.2

5.9

ROE

ROE%

-7.8

4.1

-10.5

1.9

-4.7

4.7

8.8

14.5

16.7

16.8

15.1

ROA

ROA%

-0.5

0.2

-0.6

0.1

-0.3

0.3

0.5

0.8

1.0

0.9

Solvency Ratios

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	10,309	18,098	19,376	21,991	9,313	25,072	41,290	51,612	1,05,419	80,747	1,12,068	1,10,662
Price To Earnings Price To Earnings		13.3		36.5		8.7	6.7	4.6	6.9	4.6	6.3	5.4
Price To Sales Price To Sales	0.2	0.4	0.5	0.5	0.2	0.4	0.6	0.6	0.9	0.7	0.9	0.8
Price To Book Price To Book	0.4	0.6	0.6	0.7	0.3	0.5	0.7	0.7	1.3	0.8	1.0	0.9
EV To EBITDA EV To EBITDA	2.4	0.2	-0.6	0.3	1.3	5.7	6.9	3.2	-1.5	5.0	-55.2	284.1
Profitability Ratios Profitability Ratios
FPM FPM%	-18.2	-13.9	-32.3	-24.2	-25.9	-26.1	-19.3	-11.5	-7.0	-5.9	-0.9	4.7
NPM NPM%	-5.8	3.4	-9.4	1.4	-3.9	4.2	8.7	13.2	13.9	14.6	15.6	14.7
ROCE ROCE%	5.8	5.8	3.8	4.5	4.8	4.4	4.3	5.1	6.3	6.4	6.2	5.9
ROE ROE%	-7.8	4.1	-10.5	1.9	-4.7	4.7	8.8	14.5	16.7	16.8	16.8	15.1
ROA ROA%	-0.5	0.2	-0.6	0.1	-0.3	0.3	0.5	0.8	1.0	1.0	1.0	0.9
Solvency Ratios Solvency Ratios

Financial Year

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Current

Valuation Ratios

Market Cap

Market CapitalizationCr

10,309

18,098

19,376

21,991

9,313

25,072

41,290

51,612

1,05,419

80,747

1,12,068

1,10,662

Price To Earnings

13.3

36.5

8.7

6.7

4.6

6.9

4.6

6.3

5.4

Price To Sales

0.2

0.4

0.5

0.2

0.4

0.6

0.9

0.7

0.9

0.8

Price To Book

0.4

0.6

0.7

0.3

0.5

0.7

1.3

0.8

1.0

0.9

EV To EBITDA

2.4

0.2

-0.6

0.3

1.3

5.7

6.9

3.2

-1.5

5.0

-55.2

284.1

Profitability Ratios

FPM

FPM%

-18.2

-13.9

-32.3

-24.2

-25.9

-26.1

-19.3

-11.5

-7.0

-5.9

-0.9

4.7

NPM

NPM%

-5.8

3.4

-9.4

1.4

-3.9

4.2

8.7

13.2

13.9

14.6

15.6

14.7

ROCE

ROCE%

5.8

3.8

4.5

4.8

4.4

4.3

5.1

6.3

6.4

6.2

5.9

ROE

ROE%

-7.8

4.1

-10.5

1.9

-4.7

4.7

8.8

14.5

16.7

16.8

15.1

ROA

ROA%

-0.5

0.2

-0.6

0.1

-0.3

0.3

0.5

0.8

1.0

0.9

Solvency Ratios

	UNIONBANK	BANKBARODA	INDIANB	CANBK	IDBI	BANKINDIA	MAHABANK
Market CapitalizationMkt CapCr	1,37,939	1,23,182	1,15,415	1,10,662	88,471	62,271	62,271
Close PriceClose₹	180.70	238.20	856.85	122.00	82.28	136.78	80.96
IndustryIndustry	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks
Price To EarningsPE	6.27	6.78	8.73	5.43	10.64	5.29	8.26
Price To SalesPS	1.26	0.90	1.61	0.85	2.86	0.81	2.06
RevenueRevenueCr	1,09,300	1,36,546	71,835	1,30,895	30,953	77,244	30,262
Revenue Growth TTMRev Gr TTM%	1.3%	4.9%	11.3%	4.0%	7.0%	6.2%	15.8%
PAT Growth TTMPAT Gr TTM%	18.2%	-8.0%	16.7%	12.7%	-10.4%	22.4%	28.0%

Market CapitalizationMkt CapCr

1,37,939

1,23,182

1,15,415

1,10,662

88,471

62,271

Close PriceClose₹

180.70

238.20

856.85

122.00

82.28

136.78

80.96

IndustryIndustry

PSU Banks

Price To EarningsPE

6.27

6.78

8.73

5.43

10.64

5.29

8.26

Price To SalesPS

1.26

0.90

1.61

0.85

2.86

0.81

2.06

RevenueRevenueCr

1,09,300

1,36,546

71,835

1,30,895

30,953

77,244

30,262

Revenue Growth TTMRev Gr TTM%

1.3%

4.9%

11.3%

4.0%

7.0%

6.2%

15.8%

PAT Growth TTMPAT Gr TTM%

18.2%

-8.0%

16.7%

12.7%

-10.4%

22.4%

28.0%

	UNIONBANK	BANKBARODA	INDIANB	CANBK	IDBI	BANKINDIA	MAHABANK
Market CapitalizationMkt CapCr	1,37,939	1,23,182	1,15,415	1,10,662	88,471	62,271	62,271
Close PriceClose₹	180.70	238.20	856.85	122.00	82.28	136.78	80.96
IndustryIndustry	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks	PSU Banks
Price To EarningsPE	6.27	6.78	8.73	5.43	10.64	5.29	8.26
Price To SalesPS	1.26	0.90	1.61	0.85	2.86	0.81	2.06
RevenueRevenueCr	1,09,300	1,36,546	71,835	1,30,895	30,953	77,244	30,262
Revenue Growth TTMRev Gr TTM%	1.3%	4.9%	11.3%	4.0%	7.0%	6.2%	15.8%
PAT Growth TTMPAT Gr TTM%	18.2%	-8.0%	16.7%	12.7%	-10.4%	22.4%	28.0%

Market CapitalizationMkt CapCr

1,37,939

1,23,182

1,15,415

1,10,662

88,471

62,271

Close PriceClose₹

180.70

238.20

856.85

122.00

82.28

136.78

80.96

IndustryIndustry

PSU Banks

Price To EarningsPE

6.27

6.78

8.73

5.43

10.64

5.29

8.26

Price To SalesPS

1.26

0.90

1.61

0.85

2.86

0.81

2.06

RevenueRevenueCr

1,09,300

1,36,546

71,835

1,30,895

30,953

77,244

30,262

Revenue Growth TTMRev Gr TTM%

1.3%

4.9%

11.3%

4.0%

7.0%

6.2%

15.8%

PAT Growth TTMPAT Gr TTM%

18.2%

-8.0%

16.7%

12.7%

-10.4%

22.4%

28.0%

Canara Bank

Canara Bank

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