Bank of India Share Price

Bank of India (BOI) was founded on 7th September, 1906. The Bank maintains its position as a leading institution because of its government support and more than 100 years of operation. The Bank of India share price serve as essential indicators which help investors understand market trends and bank performance.

Bank of India share trends serve as essential resources for users who want current market data. The Bank of India stock quote together with Bank of India market price enable users to view the bank’s current market value. The Bank of India share price serves as a reference point for investors who want to study historical patterns and perform financial analyses. Tracking Bank of India share price for 2025 – 2026 serve as essential factors for investment portfolio management and functions as a fundamental resource for market analysts and traders.

Bank of India Company Fundamentals 

1. Company Background

Bank of India was established on 7 September 1906 in Mumbai and has since evolved into a major public sector bank in India. The Bank was nationalised in July 1969 and currently operates as a Government of India undertaking. Its Head Office is located at Bandra Kurla Complex, Mumbai, and it functions under the regulatory framework applicable to scheduled commercial banks in India.

As at the end of the financial year 2024–25, Bank of India operates a widespread domestic network covering all Indian states and union territories, supported by a structured zonal and field-level administrative framework. The Bank also maintains an overseas presence through foreign branches and offices, reflecting its role in international banking and cross-border financial services. Its operations span core banking activities including deposit mobilisation, lending across retail, agriculture, MSME and corporate segments, treasury operations, and international banking services.

Bank of India is listed on Indian stock exchanges and functions within a public ownership framework, with governance oversight exercised through its Board of Directors and senior management as disclosed in statutory filings. The Bank places emphasis on compliance, governance standards, and regulated banking practices, aligning its operations with national financial stability and development objectives. Its long operating history, nationalised status, and scale of operations position it as an established institution within India’s public sector banking system.

2. Company Product Lines

Core Banking Products

• Savings accounts, current accounts, term deposits, and family savings schemes
• Digital savings and term deposit opening through mobile app
• Non-callable deposits for long-term investors

Retail Lending Products

• Home loans, vehicle loans, personal loans, education loans
• Loans against property and digital retail loan journeys
• Mortgage guarantee backed home loan offerings

MSME and Business Loans

• Star Digi Biz Loan for MSME borrowers
• Star Yuva Udyami for young entrepreneurs
• Udyami Vanita for women entrepreneurs
• Export credit solutions including BOI Star Export Credit

Agri and Priority Sector Products

• KCC, KCC Fisheries, AMI, NRLM, ACABC, eNWR schemes
• PM Surya Ghar scheme integration for solar financing

Digital Banking & Payment Products

• Mobile banking, internet banking, UPI, QR Sound Box, digital onboarding
• Credit cards, co-branded cards, POS and merchant acquiring solutions

Treasury & Forex Products

• Government and corporate securities
• Money market operations
• Forex products, derivatives, hedging, and trade finance

Third-Party & Investment Services

• Life, general, and health insurance distribution
•  Mutual fund distribution through open architecture
• 3-in-1 trading and demat services
• Gold loans, sovereign gold bonds, NPS, PPF, SCSS

3. Company Revenue Model 

• Interest income from retail, corporate, MSME, agricultural, and international lending
•  Treasury income from investments, money markets, and forex operations
•  Fee-based revenue from distribution of insurance, mutual funds, and third-party products
•  Transaction and service fees through digital banking channels
• International business revenue from overseas branches and subsidiaries

4. Geographical Presence

Bank of India operates 5,306 domestic branches across metropolitan, urban, semi-urban, and rural regions, enabling pan-India service coverage. Internationally, the bank maintains 47 overseas offices, including 22 own branches, 1 representative office, 4 subsidiaries with 23 branches, and 1 joint venture, along with an IFSC Banking Unit at GIFT City, Gandhinagar. Bank of India share price reflect the institution’s wide network, global presence, and capacity to serve diverse customer segments.

5. Leadership

As on March 2025, the Board of Directors of Bank of India comprised the following members holding key executive, non-executive, nominee, and shareholder director positions:

• Rajneesh Karnatak – Managing Director & Chief Executive Officer
• P. R. Rajagopal – Executive Director
• Subrat Kumar – Executive Director
• Rajiv Mishra – Executive Director
• M. R. Kumar – Chairman (Non-Executive)
• Ashok Narain – Nominee Director (Reserve Bank of India)
• Manoj M. Ayyappan – Nominee Director (Government of India)
• V. V. Shenoy – Director (Shareholder)
• Jamuna Ravi – Director (Shareholder)
• Rajesh V. Upadhya – Company Secretary & Compliance Officer

Bank of India received several notable recognitions during FY25 that reflect its operational excellence, technology advancement, and national contribution. The Ministry of Agriculture and Farmers Welfare felicitated the bank under the Agriculture Infrastructure Fund Scheme for achieving targets under the BHARAT Campaign.

It was declared the Winner of the APY Annual Awards for its superior enrolment performance and earned distinction at the 5th BFSI Technology Excellence Award 2024 for innovative use of technology to enhance customer experience through its Universal Application Project. The bank also received the PMSVANidhi Praise Award from the Ministry of Housing and Urban Affairs for securing a leading position in PMSVANidhi loan performance.

6. Key Milestones

• 1906: Bank of India was incorporated on 7 September as an Indian-promoted bank with its first office in Mumbai.
• 1921: Entered into an agreement with the Bombay Stock Exchange to manage its clearing house operations.
• 1946: Became the first Indian bank to open an overseas branch, establishing presence in London.
• 1950–1962: Expanded international operations across Tokyo, Osaka, Singapore, Hong Kong, Kenya, Uganda, Nigeria, Aden and Tanganyika.
• 1969: Nationalised in July along with other major banks, bringing the bank under Government of India ownership.
• 1972: Divested its Uganda operations to Bank of Baroda.
• 1974: Opened a branch in Paris, becoming the first Indian bank with a presence in continental Europe.
• 1989: Established India’s first fully computerised branch and ATM facility at Mahalaxmi, Mumbai.
• 1997: Launched its maiden public issue and introduced bullion banking services.
• 2000: Introduced Star Cash Management Services to accelerate cheque realisation and fund availability.
• 2002: Returned a portion of equity capital to the Government of India, reducing government shareholding.
• 2004–05: Honoured for excellence in Information System Security; entered insurance and securities market partnerships.
• 2006: Entered infrastructure financing collaboration and formed a life insurance joint venture with Union Bank of India and Dai-ichi Life.
• 2007–08: Acquired majority stake in PT Bank Swadesi, implemented Core Banking Solutions across branches, and adopted solar power in rural branches.
• 2008–09: Expanded branch network significantly, migrated majority branches to CBS, and launched a next-generation official website.
• 2009–10: Achieved full CBS coverage across domestic branches and introduced new CASA-focused deposit products.
• 2010–11: Introduced biometric smart cards, centralized credit processing centres, SME city centres, and retail business hubs.
• 2012: Floated Bank of India (Uganda) Limited as a wholly owned overseas subsidiary.
• 2013: Raised foreign currency bonds under Rule 144A and completed multiple equity infusions by Government of India.
• 2015: Increased Government of India shareholding through preferential equity allotment.
• 2016: Acquired full ownership of BOI Shareholding Limited and received multiple capital infusions; adjusted stake in life insurance joint venture.
• 2017: Placed under RBI’s Prompt Corrective Action framework and rationalised associate investments.
• 2018: Closed select overseas representative offices and completed further equity issuances.
• 2019: Received large-scale capital infusion from Government of India and earned multiple national performance recognitions.
• 2020: Raised capital through preferential equity and Basel III instruments; maintained extensive domestic and overseas branch network.
• 2021: Raised additional capital through Tier I bonds and equity infusion; continued branch expansion.
• 2022: Recognised for performance under Agricultural Infrastructure Fund and expanded domestic branch presence.
• 2023: Raised capital via Tier II bonds and Qualified Institutional Placement; achieved strong digital payment performance rankings.
• 2024: Expanded domestic branch network further and received multiple recognitions under agriculture and infrastructure schemes.
• 2025: Received national certifications and appreciation from multiple ministries for digital accessibility, fintech collaboration, MSME performance, digital payments, and inclusive banking initiatives, including STQC certification for its official website.

7. Industry Perspective

The banking industry advances through regulatory changes and digital transformation and financial accessibility requirements and complete sector modernization. Public sector banks must operate under strict governance rules and technological competition and increasing customer demands in their current business environment.

The Reserve Bank of India, in its Report on Trend and Progress of Banking in India 2023–24, notes that public sector banks have recorded sustained improvement in asset quality, with system-level gross non-performing assets declining to multi-year lows, supported by recoveries, write-offs, and improved underwriting standards. The report also highlights that profitability of public sector banks improved during the year, driven by higher net interest income and lower credit costs.

The same RBI report states that credit growth of scheduled commercial banks remained broad-based, led by agriculture, MSME, retail personal loans, and services sectors, with public sector banks continuing to maintain a significant share in priority sector lending. RBI also emphasises that capital adequacy of public sector banks remains above regulatory requirements, supported by retained earnings and government capital support over recent years.

External conditions including interest rate cycles, credit demand patterns, and regulatory changes continue to play a role in shaping Bank of India stock price as part of the broader market environment.

Bank of India Stock Market Presence: Listings and Index Representation

Bank of India’s equity shares are listed on both of India’s principal stock exchanges. On the National Stock Exchange of India (NSE) the bank trades under the ticker BANKINDIA, and on BSE Limited (Bombay Stock Exchange) its scrip code is 532149. These identifiers enable investors to transact the bank’s shares in the equity segments of both exchanges. Its shares are also identified by the ISIN INE084A01016 for depository and settlement purposes in India.

It is a constituent of several broad and sectoral equity indices that track listed Indian companies. It is included in the Nifty 200 and BSE 500 indices, which represent larger segments of the Indian market based on market capitalisation. Additionally, Bank of India is a component of the Nifty PSU Bank index, a sectoral benchmark designed to reflect the performance of publicly owned banks listed on the NSE.

This combination of listings and index memberships reflects Bank of India’s presence across general market benchmarks and sector-specific frameworks, providing representation in both broad market and public sector banking indices in Indian equity markets.

Bank of India share price 52 week high or low are used by investors to understand recent trend behaviour, volatility, and the movement of the company’s share in the past one year. The stock market capitalization of the company reveals its market size and strength which determines its position relative to other listed companies. Technical analysts use Bank of India share price real-time graphs to obtain visual data about market price fluctuations. Investors and analysts evaluate Bank of India’s market position through their examination of its share price performance on the NSE. The analysis of liquidity and trading activity becomes possible through the examination of delivery data and Bank of India share volume..

Bank of India Stock Performance and Share Price History

Bank of India has delivered distinctive share price performance over varying investment horizons, as indicated by available trend data from market sources. Over the one-year period from FY2024 to FY2025, the stock’s compound annual growth reflects a negative direction, suggesting that recent market conditions and sector-specific factors tempered short-term share price momentum. Over the three-year period from FY2022 to FY2025, the share price history also exhibits a negative compound annual growth rate, indicating that medium-term returns remained under pressure relative to earlier levels, shaped by broader banking sector dynamics and investor sentiment. In contrast, across the five-year period from FY2020 to FY2025, Bank of India’s share price shows a positive compound annual growth rate, reflecting that long-term holders experienced overall share price appreciation when measured over the extended timeframe. This pattern of share price history illustrates divergent performance trends across short-, medium-, and long-term horizons for the bank.

Bank of India Investor Relevance And Role In Portfolio

Bank of India stock is a part of diversified investment portfolios comprising institutional holdings and others. Mutual fund companies and institutional investors continuously monitor buy Bank of India stock and sell Bank of India share patterns to balance their holdings. Bank of India F&O quotes provide information on market trends. In addition, Bank of India Day RSI, MFI, and MACD technical indicators help in price momentum analysis. The Bank of India beta is a reflection of the market sensitivity as it mirrors prudent portfolio strategies. When analysts make buy sell recommendations on Bank of India stock, Bank of India defensive attributes will interest those seeking stable returns. All these, in turn, guide how to invest in Bank of India.

Bank Of India Sectoral Relevance And Peer Positioning

Bank of India is a significant industry player within its sector, having a wide presence across various markets and a history of continuing operating excellence. Bank of India established itself through market recognition because of its large size and reliable service delivery and creative approaches. Bank of India maintains its position as a well-established brand throughout the market. The market position of Bank of India becomes evident through its Bank of India P/E ratio and EPS and market cap and book value which serve as comparison points for its peer group. The performance of Bank of India shares demonstrates that the institution focuses on shareholder value creation while simultaneously adapting to changing business conditions. The bank creates value through its employment initiatives and digital India investments which help India enhance its position in worldwide financial markets.This position reflects its role in contributing to industry trends and competitiveness in the future.

Bank of India is commonly evaluated alongside other public sector banks such as State Bank of India, Bank of Baroda, Punjab National Bank, Canara Bank, Union Bank of India, Indian Bank, and Indian Overseas Bank. These peers operate under similar regulatory frameworks and policy expectations, but differ in scale, geographic concentration, balance sheet composition, and execution efficiency. Relative positioning across peers varies depending on parameters such as profitability trends, asset quality, capital adequacy, and growth momentum, with Bank of India performing stronger on certain metrics while lagging on others in different periods. This reflects the heterogeneous performance profile typical of the public sector banking space rather than a uniform competitive hierarchy.

Summary

The bank achieved strong FY25 results and improved asset quality while maintaining a high provision coverage ratio which shows both resilience and positive turnaround. The bank’s extensive branch network together with its digital transformation and government support indicate long-term stability which makes it attractive to investors.