CreditBrief

What Central 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 ₹3.81 lakh crore (+11% since March).

Central Bank of IndiaPublic sector banks

₹3.45lakh croreglobal gross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers12thof 33 banks on CreditBrief, March 2026
Biggest segment31.1%Corporate Credit, latest split (30 Sep 2026)
Share of the combined book1.6%of all banks on CreditBrief

Chapter 01 · The loan book

₹3.45 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 Central Bank of India's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate credit down, and you get ₹3.45 lakh crore. By 30 Sep 2026 it was ₹3.81 lakh crore.

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

47%People and households₹1.80 lakh croreHousing LoanAuto LoanPersonal LoanEducation LoanOther Retail Loan
51%Businesses₹1.93 lakh croreMSME CreditCorporate Credit

2% sits in lines the filing does not tie to either: Overseas Advances.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate Credit₹1.19 lakh crore31.1%
  • MSME Credit₹74,196 crore19.5%
  • Agriculture Loan₹67,778 crore17.8%
  • Housing Loan₹62,259 crore16.3%
  • Other Retail Loan₹34,279 crore9%
  • Overseas Advances₹8,093 crore2.1%
  • Education Loan₹6,954 crore1.8%
  • Auto Loan₹4,665 crore1.2%
  • Personal Loan₹4,142 crore1.1%

The full split is on page 31.

Sources: Central Bank of India Investor Presentation Q4 FY26, PDF page 23 ↗ for March 2026; Central Bank of India Analyst Presentation Q2 FY27, PDF page 21 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 16% a year since March 2022.

From ₹1.90 lakh crore on 31 March 2022 to ₹3.45 lakh crore on 31 March 2026, and ₹3.81 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights41 figures from 6 filings · each checked against its pageHow it works
Central Bank of India · loan book · 31 March 2026₹3.45lakh crore+19% in FY2025-26₹3.81 lakh crore by 30 Sep 2026
  1. 0116%a year since 2022Grew 16% a year from March 2022 to March 2026, faster than 16 of the 29 other banks with like-for-like figures for those years.
  2. 0219%in FY2025-26Growth picked up to 19% in FY2025-26, from 15% the year before.
  3. 0313thamong peersMoved up from 13th to 12th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹4.68 lakh crore+13% · in FY2025-26
Loans to deposits73.6%+3.3 pts · in FY2025-26
CASA ratio47.3%-1.6 pts · in FY2025-26
Retail, agriculture and MSME loans₹2.35 lakh crore+21% · in FY2025-26
Corporate and wholesale loans₹1.10 lakh crore+15% · in FY2025-26
Branches4,585+0.9% · in FY2025-26
Mobile app users9.3 million+1.6% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · global gross advances1,89,7122,17,7792,51,7452,90,1013,44,5163,81,032
Retail, agriculture and MSME loans₹ crore1,25,0001,44,7351,67,1261,94,0822,34,5712,54,273
Corporate and wholesale loans₹ crore64,71273,04484,61996,0191,09,9451,18,666
Deposits₹ crore3,42,6923,59,2963,85,0114,12,6974,67,9235,08,509
CASA ratio%50.5850.3950.0248.9147.3044.65
BranchesNumber4,5284,4934,5004,5454,5854,623
Mobile app usersMillion45.87.69.29.3

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 Central 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.

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Its last results, as an alert

CreditBrief Insightsto you

Central Bank of India, Q2 FY2026-27: loan book ₹3.81 lakh crore, +11% since March

  • ₹3.81 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate Credit, 31% of the book
  • Every figure links to page 21 of its filing

Chapter 03 · Among its peers

12th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.6% 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. 12Central Bank of India₹3.45 lakh crore

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

Chapter 04 · Working here

Getting in.

Jobs at Central Bank of India

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Chapter 05 · Sources

Every number, traced to its filing.

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