Central Bank of India Q2 profit rises 21% as loans grow 30%

Central Bank of India's net profit increased 21% to Rs 1469 crore in the quarter ended September 2026 from Rs 1213 crore a year ago led by strong loan growth even as asset quality remained stable.

Net interest income (NII) or the difference between interest earned on loans and that paid for deposits grew by 26% year on year to Rs 4146 crore in September 2026 from Rs 3283 crore a year ago.

Other income including fees and treasury dropped 6% year on year to Rs 1380 crore in September 2026 from Rs 1469 crore a year ago.


Total Income (interest income plus non-interest income) increased 15% from Rs 10 213 crore to Rs 11,737 crore in September 2026. Cost to Income ratio reduced to 58.95% in September 2026 from 62.42% a year ago.

Total advances increased 30% to Rs 3.81 lakh crore in September 2026 from Rs 2.93 lakh crore led by a 21% growth in retail, agriculture & MSME (RAM) business. Retail loans grew by 24.49% to Rs 1.12 lakh crore.

Asset quality improved with net NPA at 0.31% down 17 bps, from 0.48%, year on year.