# Bank of India

> Public sector banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/boi

## Loan book

- ₹7.71 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances).
- ₹8.55 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: Bank of India Investor Presentation Q4 FY26, PDF page 24: https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf

## Findings

- Grew 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.
- Growth picked up to 16% in FY2025-26, from 14% the year before.
- Held its place as the 9th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Corporate & Others: ₹2.91 lakh crore (34.1%)
- Overseas advances: ₹1.51 lakh crore (17.7%)
- Agriculture: ₹1.21 lakh crore (14.2%)
- MSME: ₹1.18 lakh crore (13.8%)
- Home loans: ₹85,080 crore (10%)
- Others (retail): ₹27,000 crore (3.2%)
- Vehicle loans: ₹26,349 crore (3.1%)
- Mortgage loans: ₹17,591 crore (2.1%)
- Personal loans: ₹13,088 crore (1.5%)
- Education loans: ₹4,754 crore (0.6%)

Source: Bank of India Investor Presentation Q2 FY27, PDF page 8: https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 4,57,014 | 5,15,852 | 5,85,595 | 6,66,047 | 7,71,391 | 8,55,071 |
| Retail, agriculture and MSME loans (₹ crore) | 2,11,843 | 2,37,884 | 2,74,477 | 3,22,673 | 3,84,327 | 4,12,670 |
| Corporate and wholesale loans (₹ crore) | 1,33,464 | 1,94,100 | 2,17,915 | 2,40,877 | 2,69,965 | 2,91,241 |
| Deposits (₹ crore) | 6,27,896 | 6,69,586 | 7,37,920 | 8,16,541 | 9,27,271 | 10,37,530 |
| CASA ratio (%) | 45.02 | 44.73 | 43.21 | 40.28 | 37.64 | 34.16 |
| Branches (Number) | 5,128 | 5,152 | 5,170 | 5,328 | 5,535 | 5,634 |
| Mobile app users (Million) | 6.1 | 8 | 11 | 9 | 13.1 | 14.9 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 4,10,436 100.00% 4,37,399 100.00% 4,57,014 100.00%" (Bank of India Investor Presentation FY 2021-22, PDF page 31) https://nsearchives.nseindia.com/corporate/BANKINDIA_24052022131535_SEBOIPerfAnalysisQ4.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 5,15,852 100.00 5,65,060 100.00 5,85,595 100.00" (Bank of India Investor Presentation Q4 FY24, PDF page 21) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 5,15,852 100.00 5,65,060 100.00 5,85,595 100.00" (Bank of India Investor Presentation Q4 FY24, PDF page 21) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Gross Advances 6,66,047 100.00 7,40,314 100.00 7,71,391 100.00" (Bank of India Investor Presentation Q4 FY26, PDF page 24) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Gross Advances 6,66,047 100.00 7,40,314 100.00 7,71,391 100.00" (Bank of India Investor Presentation Q4 FY26, PDF page 24) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Loan book, 30 Sep 2026: "Global Advances 7,09,145 7,97,775 8,55,071" (Bank of India Investor Presentation Q2 FY27, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "RAM 2,11,843 2,30,955 2,37,884" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 12) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "RAM 2,11,843 2,30,955 2,37,884" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 12) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM 2,37,537 2,62,064 2,74,477" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM* 2,72,598 3,11,950 3,22,673" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 9) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM 3,22,676 3,67,463 3,84,327" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Retail, agriculture and MSME loans, 30 Sep 2026: "30.09.26 4,12,670 2,91,241 7,03,911 58.63%" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 10) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate & Others 1,33,464 1,53,458 1,49,571" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 12) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate & Others 1,94,100 2,12,948 2,17,915" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate & Others 1,94,100 2,12,948 2,17,915" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate & Others 2,19,794 2,34,319 2,40,877" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 9) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate & Others* 2,40,874 2,61,617 2,69,965" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Corporate and wholesale loans, 30 Sep 2026: "30.09.26 4,12,670 2,91,241 7,03,911 58.63%" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 10) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 6,27,114 6,27,896 6,69,586" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 6) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 6,27,114 6,27,896 6,69,586" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 6) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Deposits, FY2023-24 (31 Mar 2024): "7,07,827 7,37,920" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 5) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Deposits, FY2024-25 (31 Mar 2025): "7,94,788 8,16,541" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 5) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- Deposits, FY2025-26 (31 Mar 2026): "8,87,288 9,27,271" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 5) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Deposits, 30 Sep 2026: "10,37,530" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 6) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "2,45,464 / 45.02%" (Bank of India Investor Presentation FY 2021-22, 24 May 2022, PDF page 10) https://nsearchives.nseindia.com/corporate/BANKINDIA_24052022131535_SEBOIPerfAnalysisQ4.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA (Amount / %) 2,45,464 / 45.02% 2,46,718 / 44.56% 2,52,149 / 44.73%" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 11) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA (%) 44.73 43.88 43.21" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 7) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA (%) 43.21 41.05 40.28" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA (%) 40.29 37.97 37.64" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- CASA ratio, 30 Sep 2026: "CASA (%) 39.39% 36.68% 34.16%" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- Branches, FY2021-22 (31 Mar 2022): "Total No. of Branches 5,128 5,139 5,152" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 3) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Branches, FY2022-23 (31 Mar 2023): "Total No. of Branches 5,128 5,139 5,152" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 3) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Branches, FY2023-24 (31 Mar 2024): "Total No. of Branches 5,170" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 37) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Branches, FY2024-25 (31 Mar 2025): "Total No. of Branches 5,328" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 46) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- Branches, FY2025-26 (31 Mar 2026): "Total No. of Branches 5,328 5,535" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 44) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Branches, 30 Sep 2026: "The Banks physical reach in Q2 FY27 is 5,634 branches" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 41) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf
- Mobile app users, FY2021-22 (31 Mar 2022): "Mobile Banking Users (in Thousand) 12991 12306 6107" (Bank of India Investor Presentation FY 2021-22, 24 May 2022, PDF page 37) https://nsearchives.nseindia.com/corporate/BANKINDIA_24052022131535_SEBOIPerfAnalysisQ4.pdf
- Mobile app users, FY2022-23 (31 Mar 2023): "(in thousands) (in thousands) 15,579 7,588 8,032" (Bank of India Investor Presentation Q4 FY23, 6 May 2023, PDF page 36) https://nsearchives.nseindia.com/corporate/BANKINDIA_06052023140826_AnalystPPT.pdf
- Mobile app users, FY2023-24 (31 Mar 2024): "Mobile banking Users (in lakhs) (in lakhs) 180 188 110" (Bank of India Investor Presentation Q4 FY24, 10 May 2024, PDF page 30) https://nsearchives.nseindia.com/corporate/BANKINDIA_10052024175008_InvestorPPT.pdf
- Mobile app users, FY2024-25 (31 Mar 2025): "Mobile Banking Users (in lakhs) 90" (Bank of India Investor Presentation Q4 FY25, 9 May 2025, PDF page 38) https://nsearchives.nseindia.com/corporate/BANKOFINDIA_09052025165326_InvestorPresentation.pdf
- Mobile app users, FY2025-26 (31 Mar 2026): "Mobile Banking Users (in lakhs) 271 121 131" (Bank of India Investor Presentation Q4 FY26, 8 May 2026, PDF page 36) https://nsearchives.nseindia.com/corporate/BANKINDIA6_08052026175946_Investorpresenation08052026.pdf
- Mobile app users, 30 Sep 2026: "Cards 1.49 crore + 12,039 Mobile Banking" (Bank of India Investor Presentation Q2 FY27, 23 October 2026, PDF page 45) https://nsearchives.nseindia.com/corporate/BANKINDIA6_23102026171023_presentationQ2FY27.pdf

CreditBrief is independent and not linked to any lender. Not investment advice.