Bank Of Baroda Share Price

Bank of Baroda Ltd Q2 FY27 provisional business update

The bank reported provisional Q2 FY27 figures with global business up 17.45% YoY to ₹32.64 trillion, global advances up 18.27% YoY to ₹15.12 trillion, and global deposits up 16.75% YoY to ₹17.51 trillion; domestically, retail advances rose 18.67% YoY to ₹3.24 trillion, indicating continued credit momentum even as deposit growth lagged advances. On the product front, Bank of Baroda launched its pension‑fund business through its 80.1%‑owned subsidiary “BOB Pension Fund Management Company Ltd” (incorporated September 21, 2026) and received the PFRDA Certificate of Appointment as NPS sponsor on October 1, 2026, enabling it to manage pension funds under the National Pension System. Separately, the bank divested 76.90 lakh NSE shares via the NSE IPO/OFS for about ₹1,372.35 crore, with the transfer to escrow completed in early September and sale concluded by end‑September. Shares closed at ₹234.55–₹234.60 on October 7 (up ~0.8% on the day), with a market capitalisation near ₹1.20–₹1.21 lakh crore and a 52‑week range of ₹214.35–₹298.95.

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Pnb expects solid growth in coming quarters.

Punjab National Bank

said coming quarters will see solid growth. The bank stated it is in a very good position ahead. Management commentary points to continued momentum in the near term. The bank highlighted its strong current standing. This outlook supports visibility on business expansion for the public sector lender. The key trigger is management’s view of solid growth in coming quarters and a strong position. This could aid sentiment for PNB. Peers such as State Bank of India, Bank of Baroda and Canara Bank may see similar sector commentary influence. Near-term prices could react to the positive tone. Risks include slower credit growth or asset quality pressure. Competitors listed: State Bank of India, Bank of Baroda, Canara Bank. We have no financial interest in this news.

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Could Higher Rates Support PSU Bank Margins?

Imagine the RBI raising the repo rate by 25 bps. For borrowers, loan costs may rise. But for some banks, the story can be different. 8 of 10 economists expected the RBI to raise the repo rate by 25 bps to 5.50%** at the October policy meeting. Rising crude prices, higher inflation risks and resilient economic growth are key factors behind these expectations. The interesting part is **loan repricing**. Many PSU banks have a significant portion of their Retail, Agriculture and MSME (RAM) loans linked to external benchmarks such as the repo rate. When the repo rate changes, these lending rates can reprice relatively quickly, while deposit costs may adjust with a lag. This can temporarily support Net Interest Margins (NIMs). 📌 **Nifty 500 stocks to study for this theme:** •

(SBI) • Bank of Baroda (BANKBARODA) • Canara Bank (CANBK) • Indian Bank (INDIANB) • Bank of India (BANKINDIA) • Punjab National Bank (PNB) • Union Bank of India (UNIONBANK) • Central Bank of India (CENTRALBK) The key lesson is simple: **a rate hike does not automatically mean every bank will benefit.** Investors should study loan composition, deposit costs, NIM trends, asset quality and credit growth before drawing conclusions. This is an **educational sector study, not a recommendation to buy or sell any security.** **20-Word Learning Takeaway:** Understanding loan repricing, deposit costs and NIMs helps investors evaluate how changing interest rates can affect banking profitability. **Educational disclaimer:** This post is for learning purposes only and should not be construed as investment advice, research recommendation, or a buy/sell/hold call. The stocks mentioned are examples for studying the sector theme. Views and data are based on publicly reported information.

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Bank of Baroda: 3.7% yield, but NIM is the watch point

Bank of Baroda (NSE: BANKBARODA) paid ₹8.50 per share as dividend in FY26, its highest ever, yielding about 3.7% at ₹231. Net profit hit a record ₹20,021 crore, up 2.2% on the year. What happened Total business grew 13.9% to ₹30,78,366 crore in FY26. Advances rose 16.2% and deposits 12%. Gross NPA fell to a multi-year low of 1.89% from 2.26%. Net NPA improved to 0.45% from 0.58%. Capital adequacy strengthened to 15.82% in FY26 and 16.30% in Q1 FY27. Return on equity was 15.39% and return on assets above 1%. The dividend per share has tripled from ₹2.85 in FY22 to ₹8.50 in FY26, while the payout ratio moved from 19% to 22%. Net profit grew at a 72% CAGR over five years, against only 13% for revenue. Why it matters The bank resumed dividends in FY22 after a four-year hiatus during the NPA cleanup. It now pays 20% to 40% of profit annually. At 22%, there is room to raise the payout. My view The real story is one number: net interest margin fell 19 basis points to 2.89%. Revenue grew 3.8%, profit only 2.2%, because cost-to-income surged 121 basis points to 49.15%. Management guides NIM at 2.75% to 2.95% for FY27. That is a wide band, and the lower end is a concern. Loan growth of 12% to 14% at shrinking margins makes the profit growth story more modest than the headline numbers suggest. At roughly 0.85 times book, the stock is cheaper than any private bank. The 3.7% yield is real and well covered. The question is whether NIM stabilises above 2.85%. What I am watching Q2 FY27 results, NIM trend, and the slippage ratio staying below 1%. On the chart, ₹215 is the 52-week low and ₹333 is the high. My stance: Buy near ₹220 for yield. NIM is the risk to watch. Disclosure: I do not hold a position in Bank of Baroda at the time of writing. This is not investment advice.

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BREAKING-->RBI May Hike Repo Rate by 25 BPS in October!

Now, the narrative is changing. According to SBI Research, the RBI may raise the policy repo rate by at least 25 basis points at its October 5–7 Monetary Policy Committee meeting. The current repo rate stands at 5.25%. A 25 bps hike would take it to: 5.50% This would mark the first repo-rate hike since February 2023. ---->Why Is SBI Research Expecting a Rate Hike? SBI Research says the balance of risks has shifted towards tighter monetary policy because of: • Broadening inflationary pressures • Higher crude oil prices • Global macroeconomic uncertainty ---->Inflation Is Broadening SBI Research expects CPI inflation to rise to around 5.65% in September and potentially cross 6.5% in October and November before easing later. ----->Which Sectors Could BENEFIT? Banks Banks could benefit from higher lending rates, although the impact depends on deposit costs, credit demand and NIMs. Stocks to watch: •

• ICICI Bank • SBI • Bank of Baroda • Axis Bank ---->Bottom Line The biggest change isn't the 25 bps hike itself — it's the possibility that India's rate-cut cycle is turning into a rate-hike cycle. SBI Research expects the RBI to potentially raise the repo rate from: 5.25% → 5.50% at the October MPC meeting. For investors, the key themes to watch are: Banks & Financials → Potential beneficiaries, depending on funding costs Real Estate → Rate-sensitive Auto → Financing-cost sensitive High-valuation Growth → Valuation pressure risk

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The bigger benefit for banks may actually be indirect

The bigger benefit for banks may actually be indirect This is where the story becomes more interesting for SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Bank of Baroda, etc. A. More UPI transactions = more customer engagement UPI keeps customers deeply connected to their bank accounts. Every transaction gives the bank more: customer activity transaction history merchant relationships account engagement opportunities to cross-sell products NPCI data shows banks already handle enormous UPI volumes. For example, SBI, HDFC Bank, Bank of Baroda, Union Bank and PNB are among the major UPI remitter banks. So MDR adds a monetisation layer to an ecosystem banks already participate in heavily. 4. UPI can become a gateway for lending This could potentially be more valuable than the MDR itself. A merchant accepting ₹10 lakh, ₹50 lakh or ₹1 crore of UPI payments generates a very useful digital transaction trail. The bank can potentially understand: Sales → cash flow → transaction frequency → seasonality → business activity That can help banks offer: working-capital loans business loans overdrafts credit cards merchant loans equipment financing insurance investment products SBI Chairman C.S. Setty recently highlighted the possibility of using UPI as a credit platform, including credit at the point of transaction and products such as Kisan Credit Cards, MUDRA loans and overdrafts. Simple example A small shop receives: ₹20 lakh/month through UPI The bank can potentially see that the merchant has a recurring digital cash flow. Instead of merely earning a small MDR share, the bank could ultimately earn interest income from: ₹10 lakh working-capital loan That makes the UPI ecosystem strategically important for banks.

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