# Central 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/central ## Loan book - ₹3.45 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances). - ₹3.81 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: Central Bank of India Investor Presentation Q4 FY26, PDF page 23: https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf ## Findings - Grew 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. - Growth picked up to 19% in FY2025-26, from 15% the year before. - Moved up from 13th to 12th biggest of these 33 banks between March 2022 and March 2026. ## What it lends against (30 Sep 2026) - Corporate Credit: ₹1.19 lakh crore (31.1%) - MSME Credit: ₹74,196 crore (19.5%) - Agriculture Loan: ₹67,778 crore (17.8%) - Housing Loan: ₹62,259 crore (16.3%) - Other Retail Loan: ₹34,279 crore (9%) - Overseas Advances: ₹8,093 crore (2.1%) - Education Loan: ₹6,954 crore (1.8%) - Auto Loan: ₹4,665 crore (1.2%) - Personal Loan: ₹4,142 crore (1.1%) Source: Central Bank of India Analyst Presentation Q2 FY27, PDF page 21: https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.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) | 1,89,712 | 2,17,779 | 2,51,745 | 2,90,101 | 3,44,516 | 3,81,032 | | Retail, agriculture and MSME loans (₹ crore) | 1,25,000 | 1,44,735 | 1,67,126 | 1,94,082 | 2,34,571 | 2,54,273 | | Corporate and wholesale loans (₹ crore) | 64,712 | 73,044 | 84,619 | 96,019 | 1,09,945 | 1,18,666 | | Deposits (₹ crore) | 3,42,692 | 3,59,296 | 3,85,011 | 4,12,697 | 4,67,923 | 5,08,509 | | CASA ratio (%) | 50.58 | 50.39 | 50.02 | 48.91 | 47.30 | 44.65 | | Branches (Number) | 4,528 | 4,493 | 4,500 | 4,545 | 4,585 | 4,623 | | Mobile app users (Million) | 4 | 5.8 | 7.6 | 9.2 | 9.3 | | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 176913 175229 175594 182098 189712" (Central Bank of India Investor Presentation Q4 FY22 (revised), PDF page 25) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 217779 219863 231032 239646 251745" (Central Bank of India Investor Presentation Q4 FY24, PDF page 19) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 217779 219863 231032 239646 251745" (Central Bank of India Investor Presentation Q4 FY24, PDF page 19) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Loan book, FY2024-25 (31 Mar 2025): "Gross Advances 290101 275595 293488 323531 344516" (Central Bank of India Investor Presentation Q4 FY26, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Loan book, FY2025-26 (31 Mar 2026): "Gross Advances 290101 275595 293488 323531 344516" (Central Bank of India Investor Presentation Q4 FY26, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Loan book, 30 Sep 2026: "Global Gross Advances 293488 323531 344516 354348 381032" (Central Bank of India Analyst Presentation Q2 FY27, PDF page 21) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "RAM 118031 125000 5.90" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 13) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "RAM 125000 144735 15.79" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM 144735 167126 15.47" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 27) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM 167126 194082 16.13" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM 194082 234571 20.86" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 30) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Retail, agriculture and MSME loans, 30 Sep 2026: "RAM 209948 254273 21.11" (Central Bank of India FY 2026-27 (Q2) Analyst Presentation, 17 October 2026, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate 58882 64712 9.70" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 13) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 64712 73044 12.88" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 73044 84619 15.85" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 27) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 84619 96019 13.47" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate 96019 109945 14.50" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 30) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Corporate and wholesale loans, 30 Sep 2026: "Corporate 83540 118666 42.05" (Central Bank of India FY 2026-27 (Q2) Analyst Presentation, 17 October 2026, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - Deposits, FY2021-22 (31 Mar 2022): "Total Deposits (Including 329973 342692 3.85 Interbank Deposits)" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 13) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits (Including 342692 359296 4.85 Interbank Deposits)" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits (Including Interbank Deposits) 359296 385011 7.16" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 27) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 385011 412697 7.19 (Including Interbank Deposits) Certificate of Deposit - - -" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 412697 467923 13.38 (Including Interbank Deposits)" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 30) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Deposits, 30 Sep 2026: "Total Deposits 444450 508509 14.41 (Including Interbank Deposits)" (Central Bank of India FY 2026-27 (Q2) Analyst Presentation, 17 October 2026, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA % 49.24 50.58 134 bps" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 13) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA % 50.58 50.39 (19)bps" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 23) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA % 50.39 50.02 (37 bps)" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 27) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA % 50.02 48.91 (111 bps)" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA % 48.91 47.30 (161 bps)" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 30) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - CASA ratio, 30 Sep 2026: "CASA % 46.83 44.65 (218 bps)" (Central Bank of India FY 2026-27 (Q2) Analyst Presentation, 17 October 2026, PDF page 28) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - Branches, FY2021-22 (31 Mar 2022): "Total Branches 4528" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 12) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Branches, FY2022-23 (31 Mar 2023): "Total Branches 4493" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 49) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - Branches, FY2023-24 (31 Mar 2024): "Total Branches 4500" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 51) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Branches, FY2024-25 (31 Mar 2025): "Total Branches 4545" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 51) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - Branches, FY2025-26 (31 Mar 2026): "Total Branches 4585" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 52) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf - Branches, 30 Sep 2026: "Total Branches 4623" (Central Bank of India FY 2026-27 (Q2) Analyst Presentation, 17 October 2026, PDF page 49) https://nsearchives.nseindia.com/corporate/CENTRALBK_17102026133527_Final_SE_Presentation.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "Digital Touch Points (In 000) Other Touch Points 8661 10299 175363 4045" (Central Bank of India Analyst Presentation FY 2021-22 (revised), 9 May 2022, PDF page 38) https://nsearchives.nseindia.com/corporate/CENTRALBK_09052022185353_SE_Revised_PPT.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "DIGITAL TOUCH POINTS (IN 000) 668637 9959 9851 5762" (Central Bank of India Analyst Presentation March 2023, 29 April 2023, PDF page 40) https://nsearchives.nseindia.com/corporate/CENTRALBK_29042023142640_SE_March_2023_Analyst_ppt_with_covering.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "DIGITAL TOUCH POINTS (IN’000) 10818 1289139 11682 7646" (Central Bank of India FY 23-24 Analyst Presentation, 30 April 2024, PDF page 42) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042024142402_Final_SE_PPT.pdf - Mobile app users, FY2024-25 (31 Mar 2025): "DIGITAL TOUCH POINTS (IN’000) 12260 2077036 11429 9189" (Central Bank of India FY 24-25 Analyst Presentation (revised), 28 April 2025, PDF page 42) https://nsearchives.nseindia.com/corporate/CENTRALBK_28042025201538_Final_Revised_SE_Presentation.pdf - Mobile app users, FY2025-26 (31 Mar 2026): "DIGITAL TOUCH POINTS (IN’000) 1545246 13685 11762 9336" (Central Bank of India FY 2025-26 Analyst Presentation, 30 April 2026, PDF page 42) https://nsearchives.nseindia.com/corporate/CENTRALBK_30042026181548_Final_SE_Presentation.pdf CreditBrief is independent and not linked to any lender. Not investment advice.