Positive impactResults
Central Bank of India Q1 FY27 Results: PAT Rises 3% YoY, NII Grows 16%;
Sahi 1d ago·17 Jul 2026, 11:23 am
Originally published by Sahi. Read on Sahi →
Central Bank of India reported a 3.21% YoY rise in Q1 FY27 net profit to ₹1,323 crore, while net interest income increased 15.70%. Gross NPA improved to 2.60%.
Central Bank of India Q1 2027 Results : Central Bank of India reported a 3.21% year-on-year rise in Q1 FY27 net profit to ₹1,323 crore, supported by a 15.70% increase in net interest income. Gross NPA improved to 2.60%, while the stock declined nearly 3% following the earnings announcement.
Central Bank of India Q1 Results 2027: On 17 July, Central Bank of India reported a steady performance for the first quarter of FY27. The bank's Net Interest Income (NII) grew 15.70% year-on-year to ₹3,914 crore, while Profit After Tax (PAT) increased 3.21% YoY to ₹1,323.13 crore. Here's a detailed breakdown of Central Bank of India's Q1 FY27 results.
Central Bank of India Q1 FY2027 Results Highlights
Total Income stood at ₹10,714.39 crore in Q1 FY27, registering a 3.07% YoY increase from ₹10,395.52 crore in Q1 FY26. Total income declined 1.33% from Q4 FY26.
Net Interest Income (NII) increased to ₹3,914 crore, up 15.70% YoY from ₹3,383 crore. On a quarterly basis, NII declined 2.20% from ₹4,002 crore.
Pre-Provision Operating Profit (PPOP) stood at ₹2,196.25 crore, registering a 3.87% QoQ increase from ₹2,114.43 crore. However, PPOP declined 5.15% YoY from ₹2,315.41 crore.
Profit After Tax (PAT) stood at ₹1,323.13 crore, up 3.21% YoY from ₹1,281.98 crore. Compared with Q4 FY26, PAT surged 77.43% QoQ.
Gross NPA improved to 2.60% from 3.13% a year ago and 2.67% in the previous quarter, reflecting continued improvement in asset quality. Net NPA remained stable at 0.49%, unchanged both sequentially and year-on-year.
CASA deposits increased 11.16% YoY to ₹2,22,892 crore, compared with ₹2,00,522 crore in Q1 FY26.
Net Interest Margin (NIM) moderated to 3.06% from 3.16% in Q1 FY26, a contraction of 10 basis points.
Source: Central Bank of India Q1 FY27 Investor Presentation and Consolidated Financial Results.
Central Bank of India Q1 FY27 Segment-wise Revenue
Retail Banking Operations remained the bank's largest revenue contributor during the quarter, supported by healthy retail credit growth. Treasury Operations recorded strong sequential growth, while Wholesale Banking witnessed moderation compared with both the previous quarter and the corresponding period last year.
Source: Central Bank of India Q1 FY27 Segment Information.
Following the Q1 results, Central Bank of India shares declined nearly 3%. On a year-to-date (YTD) basis, the stock is down 16%. Over the one year from July 17, 2025, to July 17, 2026, the share price has declined 18%.
Key takeaways
- Category: Results.
- AI reads the tone as positive (potentially bullish) for the stock.
- Assessed as a significant, market-relevant update.
Why it matters
A meaningful update worth tracking. The tone is positive — historically associated with upward pressure, though not predictive. Use the price and stock snapshot to gauge how the market is responding.
