CreditBrief

What Bank of India lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹8.55 lakh crore (+11% since March).

Bank of IndiaPublic sector banks

₹7.71lakh croreglobal gross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers9thof 33 banks on CreditBrief, March 2026
Biggest segment34.1%Corporate & Others, latest split (30 Sep 2026)
Share of the combined book3.6%of all banks on CreditBrief

Chapter 01 · The loan book

₹7.71 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Bank of India's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate & others down, and you get ₹7.71 lakh crore. By 30 Sep 2026 it was ₹8.55 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

35%People and households₹2.95 lakh croreHome loansVehicle loansEducation loansMortgage loansPersonal loans
48%Businesses₹4.09 lakh croreMSMECorporate & Others

18% sits in lines the filing does not tie to either: Overseas advances.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate & Others₹2.91 lakh crore34.1%
  • Overseas advances₹1.51 lakh crore17.7%
  • Agriculture₹1.21 lakh crore14.2%
  • MSME₹1.18 lakh crore13.8%
  • Home loans₹85,080 crore10%
  • Others (retail)₹27,000 crore3.2%
  • Vehicle loans₹26,349 crore3.1%
  • Mortgage loans₹17,591 crore2.1%
  • Personal loans₹13,088 crore1.5%
  • Education loans₹4,754 crore0.6%

Includes loans against FCNR deposits under RBI's special scheme. Retail is split on page 11 and overseas loans are on page 38.

Sources: Bank of India Investor Presentation Q4 FY26, PDF page 24 ↗ for March 2026; Bank of India Investor Presentation Q2 FY27, PDF page 8 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 14% a year since March 2022.

From ₹4.57 lakh crore on 31 March 2022 to ₹7.71 lakh crore on 31 March 2026, and ₹8.55 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights42 figures from 6 filings · each checked against its pageHow it works
Bank of India · loan book · 31 March 2026₹7.71lakh crore+16% in FY2025-26₹8.55 lakh crore by 30 Sep 2026
  1. 0114%a year since 2022Grew 14% a year from March 2022 to March 2026, faster than 11 of the 29 other banks with like-for-like figures for those years.
  2. 0216%in FY2025-26Growth picked up to 16% in FY2025-26, from 14% the year before.
  3. 039thamong peersHeld its place as the 9th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹9.27 lakh crore+14% · in FY2025-26
Loans to deposits83.2%+1.6 pts · in FY2025-26
CASA ratio37.6%-2.6 pts · in FY2025-26
Retail, agriculture and MSME loans₹3.84 lakh crore+19% · in FY2025-26
Corporate and wholesale loans₹2.70 lakh crore+12% · in FY2025-26
Branches5,535+3.9% · in FY2025-26
Mobile app users13.1 million+46% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · global gross advances4,57,0145,15,8525,85,5956,66,0477,71,3918,55,071
Retail, agriculture and MSME loans₹ crore2,11,8432,37,8842,74,4773,22,6733,84,3274,12,670
Corporate and wholesale loans₹ crore1,33,4641,94,1002,17,9152,40,8772,69,9652,91,241
Deposits₹ crore6,27,8966,69,5867,37,9208,16,5419,27,27110,37,530
CASA ratio%45.0244.7343.2140.2837.6434.16
BranchesNumber5,1285,1525,1705,3285,5355,634
Mobile app usersMillion6.1811913.114.9

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Bank of India, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

Bank of India, Q2 FY2026-27: loan book ₹8.55 lakh crore, +11% since March

  • ₹8.55 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate & Others, 34% of the book
  • Every figure links to page 8 of its filing

Chapter 03 · Among its peers

9th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 3.6% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 9Bank of India₹7.71 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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