Bank of India Share Price Target 2027, 2028 and 2030: Long Term Analyst Forecast

CMP Rs 145.21. FY26 EPS Rs 21.0; 10% annual growth. Target 2027: Rs 150 (+3%). Target 2028: Rs 165. Target 2030: Rs 200 (+38%).

Bank of India at Rs 145.21 is a PSU bank where the Government of India holds 73.38 percent, just below the SEBI 75 percent cap. The proximity to this ceiling means any capital raise for growth must be a GoI OFS rather than a dilutive QIP, a structural protection for retail investors. The Bank of India share price target of Rs 150 for 2027, rising to Rs 200 by 2030, reflects steady 10 percent EPS compounding as credit costs normalise.

The Bank of India share price target of Rs 150 for 2027, rising to Rs 200 by 2030, reflects 10% annual earnings growth with a forward multiple consistent with Public Sector Bank peers. This article covers the Bank of India share price target 2027, 2028, and 2030 based on FY26 financials and analyst estimates as of August 2026.

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Bank of India Company Overview

Metric	Details
NSE Ticker	BANKINDIA
Sector	Public Sector Bank
CMP (07 Aug 2026)	Rs 145.21
52-Week High	Rs 174
52-Week Low	Rs 89
Market Cap	Rs 65,911 Cr
FY26 EPS	Rs 21.0 (10% annual growth)
Promoter Holding	73.38%
12M Consensus	₹160 (+10%)
Bank of India Share Price Target 2027	Rs 150 (+3%)
Bank of India Share Price Target 2028	Rs 165 (+14%)
Bank of India Share Price Target 2030	Rs 200 (+38%)
Bull Case 2030	Rs 256
Bear Case 2030	Rs 152

What most investors miss: The 40 percent plus profit CAGR headline at Bank of India is flattered by a low COVID-era base and provision write-backs, not core NII growth. The GoI holds 73.38 percent, close to the 75 percent cap, meaning any equity raise must be a GoI OFS protecting retail shareholders from dilution.

FY26 EPS of ₹21. 0 growing approximately10% a year, capitalised at approximately6x forward earnings; growth tapers to approximately8% further out. The share price targets of Rs 150 for 2027, Rs 165 for 2028, and Rs 200 for 2030 are derived from this earnings trajectory and peer multiples.

Why Is the Bank of India Share Price Target Set at Rs 150 for 2027

Credit Quality Turnaround From High NPA to Normalised Levels

This is the foundational driver of the Bank of India share price target of Rs 150 for 2027 and Rs 200 by 2030. FY26 EPS of ₹21.0 growing approximately10% a year, capitalised at approximately6x forward earnings; growth tapers to approximately8% further out. Street consensus (1-yr) sits at ₹160. The market will progressively price this as quarterly data confirms the trajectory.

CASA Ratio Improvement Drives Net Interest Margin Recovery

Investors analysing the Bank of India share price target should track this dimension quarterly, as it provides the clearest signal of whether the compounding thesis is on track. Evidence of sustained improvement in this area is the primary re-rating catalyst for the Bank of India share price target 2028 of Rs 164.

Retail Loan Book Expansion in Home and Personal Segments

This structural factor is often underweighted in standard Bank of India share price target analyses, which focus on trailing earnings multiples rather than the competitive positioning embedded in the long-term franchise value. Its persistence through economic cycles is what differentiates the Bank of India share price target 2030 case from a short-term trading call.

Digital Banking Fee Income Growth Adds a Non-NII Revenue Layer

For the Bank of India share price target of Rs 200 to materialise by 2030, this factor needs to remain intact and compound over 4 years. Quarterly updates on this metric provide the earliest warning signal of any deviation from the Bank of India share price target base case assumptions.

Dividend Yield Provides a Carry While Waiting for Re-Rating

As India’s economy compounds through 2027 to 2030, this factor provides an additional secular tailwind that is layered on top of the Bank of India-specific earnings growth already embedded in the Rs 150 target for 2027 and the Rs 200 target for 2030.

Bank of India Share Price Targets 2027, 2028 and 2030

Bank of India Share Price Target 2027: Rs 150

The Bank of India share price target 2027 is Rs 150, representing approximately 3 percent upside from CMP Rs 145.21. FY26 EPS of ₹21.0 growing approximately10% a year, capitalised at approximately6x forward earnings; growth tapers to approximately8% further out. Street consensus (1-yr) sits at ₹160.. By 2027, the key catalyst for achieving this level is validation of the earnings trajectory through 2 consecutive quarters of on-target performance.

Bank of India Share Price Target 2028: Rs 165

The Bank of India share price target 2028 is Rs 165, implying approximately 14 percent upside from CMP. By 2028, Bank of India should have demonstrated through a full earnings cycle that the 10% growth assumption is sustainable, supporting a re-rating toward the Bank of India share price target 2028 level at a forward multiple consistent with sector peers.

Bank of India Share Price Target 2030: Rs 200

The Bank of India share price target 2030 is Rs 200, implying approximately 38 percent upside from CMP and a 4-year CAGR of approximately 8% from current levels. By 2030, Bank of India should be a mature, well-understood franchise with a track record of consistent compounding that justifies the target multiple.

Bull Case and Bear Case for the Bank of India Share Price Target 2030

Bull Case: Rs 256

The bull case Bank of India share price target of Rs 256 by 2030: Rs 235 by 2030, requiring GNPA below 3.5 percent, ROE reaching 15 percent, and PE re-rating to 10x as the credit turnaround is fully recognised by institutional investors.

Bear Case: Rs 152

The bear case Bank of India share price target of Rs 152 by 2030: Rs 160 by 2030, if a new stress cycle emerges in corporate or agricultural credit requiring higher provisions, keeping PAT growth at 5 to 6 percent and the PE at 5x on FY31 EPS of approximately Rs 28.

Scenario	Target by 2030	Return	Key Assumption
Bull Case	Rs 256	+76%	Upside scenario with favourable execution and sector conditions
Base Case	Rs 200	+38%	10% EPS CAGR; peer-multiple sustained through FY31
Bear Case	Rs 152	+5%	Downside scenario with adverse execution or macro headwinds

Key Risks to the Bank of India Share Price Target

Credit Cycle Risk and NPA Deterioration

Any economic slowdown or sector-specific stress could elevate credit costs and provisioning, directly reducing reported PAT and the earnings base that supports the Bank of India share price target. Investors should track quarterly GNPA and credit cost trends as the primary early warning indicators.

Interest Rate and NIM Sensitivity

Changes in RBI repo rate, inflation, and deposit competition affect the net interest margin that drives the Bank of India share price target earnings trajectory. A sustained low-rate environment could trigger CASA outflows that compress NIM below projections.

Regulatory and Governance Overhang

As a regulated financial institution, Bank of India is subject to RBI guidelines on capital adequacy, provisioning, and dividend policy. Any adverse regulatory change or governance concern could trigger a re-rating of the multiple below the level assumed in the Bank of India share price target.

Competition From Larger Peers and Fintechs

Larger private banks and fintech lenders are competing aggressively in Bank of India’s target market segments. Market share losses would slow loan book growth and compress the earnings trajectory behind the Bank of India share price target 2030.

How to Invest in Bank of India

Use the Univest Screener to track Bank of India’s key financial metrics including EPS growth, margin trends, and analyst upgrades or downgrades in real time. To purchase shares, open a demat account with any SEBI-registered broker and search for NSE ticker BANKINDIA. Review the quarterly earnings data, the sector-specific risk indicators outlined in this article, and build a position size proportionate to your risk tolerance and investment horizon. Monitor each quarter for the key variables most likely to move the Bank of India share price target. Consult a SEBI-registered financial advisor before making any investment decision.

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Conclusion

The Bank of India share price target of Rs 150 for 2027, Rs 165 for 2028, and Rs 200 for 2030 reflects 10% annual earnings compounding and a forward multiple consistent with Public Sector Bank peers. The key drivers and risks are outlined above. The 40 percent plus profit CAGR headline at Bank of India is flattered by a low COVID-era base and provision write-backs, not core NII growth. The GoI. For investors with a 3 to 4 year horizon and a tolerance for Public Sector Bank-specific risk, the current CMP of Rs 145.21 offers a starting point for building a position aligned to the Bank of India share price target 2030 thesis. Always verify data at NSE and BSE before investing.

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Frequently Asked Questions on Bank of India Share Price Target 2027 2028 and 2030

What is the Bank of India share price target for 2027?

Ans. The Bank of India share price target for 2027 is Rs 150, representing approximately 3 percent upside from CMP Rs 145.21 as of August 2026. Please verify all data with the official NSE website before making any investment decision.

What is the Bank of India share price target for 2030?

Ans. The Bank of India share price target for 2030 is Rs 200, implying approximately 38 percent upside from CMP Rs 145.21. This is based on analyst estimates and is not a guaranteed return. Always verify current data at NSE India before investing.

Is Bank of India a good long-term investment?

Ans. Bank of India has a defined analyst consensus that projects earnings compounding through FY31 based on sector-specific growth drivers outlined in this article. Whether it suits your portfolio depends on your risk appetite, investment horizon, and existing allocation. Consult a SEBI-registered financial advisor for personalised guidance.

What do most investors miss about Bank of India?

Ans. Reported 40%+ profit CAGR is flattered by a low COVID-era base plus provision write-backs and treasury gains, not core NII; separately, GoI stake sits at 73.38%, near the 75% cap, so periodic QIPs to stay within the 25% MPS rule create a recurring EPS-dilution overhang.

What is the bull case for the Bank of India share price target 2030?

Ans. The bull case Bank of India share price target for 2030 is Rs 256. This requires better-than-base-case execution on the key growth drivers specific to Bank of India’s sector, as described in this article. These are analyst projections, not guaranteed returns.

What are the main risks to the Bank of India share price target?

Ans. The key risks to the Bank of India share price target include sector-specific headwinds such as credit cycles (for financial companies), regulatory changes, competitive pressure, and macroeconomic slowdown. Please review the risks section of this article for a full breakdown of the four most material risks.

What is Bank of India’s 52-week high and low share price?

Ans. As of August 2026, Bank of India’s 52-week high is approximately Rs 174 and the 52-week low is approximately Rs 89. The CMP of Rs 145.21 sits between these levels. Always verify the latest 52-week data at NSE India or BSE before making any investment decision.

How can I buy Bank of India shares?

Ans. You can buy Bank of India shares through any SEBI-registered broker by searching for the NSE ticker BANKINDIA. Before investing, review the fundamentals outlined in this article and consult a SEBI-registered financial advisor for guidance aligned to your specific financial goals.