Investor Presentation
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Latest filings
NSE announcements · newest firstInvestor Presentation
Allotment of 378830 Shares.
Schedule of meet
Appointment of Senior Management Personnel (SMP)
Key MetricsFull financials →
P/E (TTM)
26.7×
EPS ₹38.17
P / Book
3.81×
BVPS ₹267
ROE
14.2%
FY26, avg equity
ROA
1.51%
avg assets
Interest income YoY
+21.1%
Q1 FY27
Net profit YoY
+37.0%
Q1 FY27
Market cap
₹76,174 Cr
Div. yield
0.10%
₹1.00 in 12 months
From NSE filings (standalone) and the last close.
Shareholding Pattern Jun 2026
Promoter pledge: none reported
Peer Comparison
| Bank | P/E | P/B | ROE | GNPA |
|---|---|---|---|---|
| AUBANK₹76,174 Cr | 26.7× | 3.81× | 14.2% | 2.10% |
| UJJIVANSFB₹12,571 Cr | 13.9× | 1.84× | 10.7% | 2.16% |
| EQUITASBNK₹7,648 Cr | 15.0× | 1.25× | 1.7% | 2.42% |
| JSFB₹5,637 Cr | 14.8× | 1.26× | 7.6% | 2.39% |
| UTKARSHBNK₹2,456 Cr | – | 0.88× | -40.0% | 6.09% |
| ESAFSFB₹2,210 Cr | – | 1.24× | -8.9% | 5.40% |
Other Bank: the companies closest in market value, of the 9 in that basic industry whose filings we hold. Computed from each company's NSE filings (up to Q1 FY27) and the last close; hover a column for its definition.
Forensic Flags
Provisions took 32% of pre-provision operating profit
FY26.
7 checks within their thresholds
Exceptional items above 5% of pre-tax profit in 0 of the last 5 years
FY22–FY26.
Effective tax rate averaged 24%
Tax over pre-tax profit, last 3 years. The base corporate rate is about 25%.
Promoter holding is 22.74%, -0.11 points over a year
2026-06-30 against 2025-06-30.
No promoter shares are pledged
Shareholding pattern as at 2026-06-30.
No auditor change or resignation filings in three years
From NSE announcements on record.
Results were filed late in 0 of the last 8 quarters
Slowest filing came 27 days after the period end.
Gross NPA is 2.10%, -0.37 points over a year; net NPA 0.76%
Standalone results, 2026-06-30 against 2025-06-30.
Computed from NSE filings (standalone). Colours follow fixed thresholds, shown on hover. These are facts about the filings, not advice. 1 check not run for lack of data.
Formula Scores
Piotroski F-score: not computed · FY to 2026-03-31the tests use working capital and gross margin, which a bank's or insurer's statements do not have
Altman Z-score: not computed · FY to 2026-03-31not defined for a bank's or insurer's balance sheet
Graham number: 458.55 ₹ per share · FY to 2026-03-31√(22.5 × earnings per share × book value per share): the price at which P/E × P/B = 22.5 (a P/E of 15 at a P/B of 1.5)
- earnings per share: 35.01
- book value per share: 266.93 — owners' equity over shares (paid-up capital / face value)
Inputs: earnings per share 35.01 (2026-03-31) · owners' equity ₹19,974 Cr (2026-03-31) · paid-up capital ₹748 Cr (2026-03-31) · face value 10 (2026-03-31)
a number the book uses as a ceiling for a defensive investor's purchase price; it is arithmetic on two reported figures, not a valuation
Source: Benjamin Graham, The Intelligent Investor (1949; the 22.5 in the 1973 edition's criteria for the defensive investor)
Sloan accrual ratio: not computed · FY to 2026-03-31operating cash flow is not comparable for a bank or insurer
Each score is its published formula applied to the company's own filings (standalone); open one for the tests, the inputs and the paper. Arithmetic on the filings, not a view on the stock.