Bank Of Baroda Share Price Today

Actions	Ex-Date	Record-Date
DividendsFinal Dividend of 425% at ₹8.5/Share	05-Jun-2026	05-Jun-2026
DividendsFinal Dividend of 417.5% at ₹8.35/Share	06-Jun-2025	06-Jun-2025

Mutual Fund Holder	Aug 26 Shares held	Sep 26 Shares held
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Regular Plan - Growth	3.90 k	3.90 k no change
Zerodha Nifty LargeMidcap250 Plus 8-13 yr G-Sec 70:30 Index Fund - Growth - Direct Plan	695	- (100%)
Zerodha Nifty LargeMidcap 250 Index Fund - Growth - Direct Plan	1.09 Lac	- (100%)
Zerodha Nifty 100 ETF	22.76 k	- (100%)
Zerodha Life Cycle Fund 2041 - Growth - Direct Plan	945	- (100%)

Tejaswi

5 Oct • 10:22 PM · SEBI-Registered Analyst

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

BANKBARODA

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.

DEEPAK PAL

4 Oct • 11:22 AM · SEBI-Registered Analyst

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: •

HDFCBANK

• 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

Mayank Kumar

2 Oct • 12:45 PM · SEBI-Registered Analyst

The bigger benefit for banks may actually be indirect

HDFCBANK

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.

Ravi Bhatt

22 Sep • 11:56 AM · SEBI-Registered Analyst

BANKNIFTY TECHNICAL LEVEL & DERIVATIVE ANALYSIS

BANKNIFTY BULLISH BREAKOUT ZONE 56500 BANKNIFTY BEARISH BREAKOUT ZONE 56000 OPEN INTEREST UPDATES IN OPTION CHAIN: HIGHER OPEN INTEREST SEEN @ 56500 CALL & 56000 PUT. AS PER DATA ANALYSIS MARKET LOOKS RANGE BOUND. AS PER OPTION CHAIN ANALYSIS 56500 LOOKS STRONG RESISTANCE LEVEL AND 56000 IS KEY SUPPORT LEVEL. BANKNIFTY PUT CALL RATIO IS 0.89. PUT CALL RATIO INDICATES CALL OPTION SELLERS ARE DOMINATING MARKET. TODAY STLL PRIVATE BANKS ARE LOOKING GOOD COMPARE TO PUBLIC SECTOR BANKS. HEAVY PROFIT BOOKING SEEN IN PUBLIC SECTOR BANKS SPECIALLY IN BANK OF BARODA, AND PNB. POSITIONAL TRADER CAN TAKE LONG POSITION AFTER 56500 LEVEL AND SHORT OPPORTUNITY WILL CREATE IF BANKNIFTY BREAK 56000 LEVEL.

HDFCBANK

CA ATIN AGRRAWAL

21 Sep • 2:34 PM · SEBI-Registered Analyst

bank of baroda near to demand zone good to accumulate

BANKBARODA

Bank of Baroda (BANKBARODA) closed at ₹234.94 on 18 September 2026. Technically, the stock is currently sitting in an important zone. The broader moving-average structure remains cautious, with the 20-day EMA around ₹238 and the 50-day EMA around ₹245. 📊 Technical view Immediate resistance: ₹238–241 Major resistance: ₹244–245 Above ₹245: sustained closing could improve the technical structure. Immediate support: ₹231–232 Next support: ₹228–229 Below ₹231: weakness can increase towards ₹228 and ₹225. The important point for me is that ₹238–245 is the confirmation zone. Until the stock convincingly crosses this area, I would avoid assuming that a sustainable uptrend has started. 🏦 Fundamental perspective The Q1 FY27 numbers need to be read carefully. Net profit fell 72% YoY to ₹1,278 crore because of a one-time ₹5,700 crore NMC Health settlement. Excluding this exceptional item, reported profit would have been ₹5,528 crore. NII, however, grew 9.5% YoY to ₹12,524 crore. Domestic advances grew 16% YoY, while domestic deposits grew 14.7%, showing continued balance-sheet growth. At the same time, NIM was 2.77% and GNPA stood at 1.99%, so margins and asset quality remain important factors to monitor. My SEBI RA-style view ₹231–232 is the key support zone, while ₹238–245 is the important resistance/confirmation zone. For an investor, I would focus on price action around these levels rather than chasing the stock in the middle of the range. A sustained breakout above ₹245 would change the technical setup positively; conversely, a decisive breakdown below ₹231 would indicate increasing technical weakness. This is my market commentary based on available technical and fundamental information, not a guarantee of returns. Investors should consider their own risk profile, investment horizon and portfolio allocation.

Manjushri Sharma SEBI RA

18 Sep • 2:51 PM · SEBI-Registered Analyst

BANKBARODA : SUPPLY ZONE NEEDS ATTENTION

BANKBARODA

closed at ₹232.30 down 1.14% on 16 September 2026. The stock is currently showing a supply-side order block which is an important area to watch from a technical perspective. In simple terms a supply zone is an area where selling pressure has previously entered the market. When price comes back towards this zone sellers may become active again. That is why I would closely watch the price behaviour around the supply area rather than looking at the one-day fall in isolation. The recent performance also shows that the stock has seen some strong monthly moves. After a 4% decline in August the stock recovered with a 1.5% gain in September so far. This makes the reaction around the supply zone even more important. My approach here would be simple: watch the price reaction at supply and look for confirmation through volume and price structure. If the stock fails to sustain above the zone and selling pressure increases the supply area could become an important resistance. On the other hand a decisive breakout with strong participation would indicate that sellers are being absorbed. For me the key point is not the -1.14% move today but whether the supply zone continues to attract sellers. Supply tells us where selling may appear. Price action tells us whether sellers are actually in control. Market observation for information sharing only. Not investment advice.

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