Bank Of India Q2 Results FY27: PAT Jumps 28.41% YoY, Revenue Rs 24,137.25 Cr, PAT Rs 3,308.82 Cr

Bank Of India (BANKINDIA) Q2 Results FY27 announced on 23 October 2026, covering the company's financial performance for the July to September quarter. On that results date, the bank reported revenue of Rs 24,137.25 Cr and PAT of Rs 3,308.82 Cr for the quarter. In the Bank Of India Q2 Results FY27, profit growth of more than 28% came on revenue growth of just over 16%, which widened the share of revenue that reached the bottom line.

This results analysis of the Bank Of India Q2 Results looks at the financial highlights, the business factors in the reported data, the FY27 outlook and the risks to monitor. The financial highlights come first and anchor each of the sections that follow.

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Bank Of India Q2 Results FY27: Financial Highlights

Metric	Q2 FY27 (Sep 26)	Q2 FY26 (Sep 25)	YoY Change
Revenue	Rs 24137.25 Cr	Rs 20739.87 Cr	+16.38% YoY
Net Profit (PAT)	Rs 3308.82 Cr	Rs 2576.69 Cr	+28.41% YoY

Source: company filing for Bank Of India Q2 Results FY27, 23 October 2026. Figures in Rs Crore.

Key Takeaways from Bank Of India Q2 Results: What Stands Out

• Revenue at Rs 24,137.25 Cr: YoY growth of 16.38% from Rs 20,739.87 Cr, an increase of Rs 3,397.38 Cr over the year.
• Net profit at Rs 3,308.82 Cr: up 28.41% from Rs 2,576.69 Cr, adding Rs 732.13 Cr to the bottom line.
• Margin in Bank Of India Q2 Results FY27: net profit margin improved to 13.7% from 12.4% in the comparison quarter.
• Profit ahead of revenue: net profit growth was well above revenue growth, so more of each rupee earned reached shareholders.
• Return trend to monitor: FY26 return on equity was lower than FY25, which the performance analysis below keeps in context.

Bank Of India Q2 Results FY27: Performance Analysis

The Bank Of India Q2 Results FY27 show net profit growing faster than revenue. Revenue rose 16.38% to Rs 24,137.25 Cr, while net profit rose 28.41% to Rs 3,308.82 Cr. That gap between the two growth rates, and the improvement in margin it produced, is the core of this results analysis.

In rupee terms, revenue increased by Rs 3,397.38 Cr and net profit by Rs 732.13 Cr compared with the same quarter last year. Net profit margin moved from 12.4% to 13.7% as a result. The Bank Of India Q2 Results therefore point to better conversion of income into profit during the July to September period.

For later quarterly results, investors will look at whether revenue continues to grow in double digits and whether the margin stays near 13.7%. The Bank Of India Q2 Results FY27 also follow a softer FY26 on return on equity, and the business factors below set out what the reported data supports.

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Key Business Factors This Quarter

Revenue Growth – The business factors start with revenue, which grew 16.4% year on year to Rs 24,137.25 Cr. In the Bank Of India Q2 Results FY27, this higher income base gave the bank more room to grow its bottom line over the year-ago quarter.

Net Profit Growth – Net profit rose 28.4% year on year to Rs 3,308.82 Cr. This rise was the largest percentage move in these quarterly results, running well ahead of the pace of revenue growth for the period.

Margin Improvement – Net profit margin improved to 13.7% from 12.4% in the comparison quarter. A higher margin on a larger revenue base meant the rupee gain in net profit was greater than revenue growth alone would have produced.

FY27 Outlook After Bank Of India Q2 Results

Carrying this results analysis forward, the FY27 outlook will depend on the December and March quarters. The bank's full-year results will reflect what it reports for those periods and any disclosed sector conditions. The first half alone does not set the direction for the full financial year.

The Bank Of India Q2 Results FY27 give a revenue base of Rs 24,137.25 Cr and a net profit base of Rs 3,308.82 Cr for later quarters to be measured against. Investors can follow these comparisons on the Univest app, keeping the risks in the next section in view.

Key Risks to Watch After Bank Of India Q2 Results FY27

Lower Return on Equity

Return on equity declined to 13.07% in FY26 from 13.72% in FY25. Although the Bank Of India Q2 Results FY27 showed higher profit, a falling return ratio over the last full year is a trend investors may watch in annual results.

Slower Per-Share Earnings Growth

Annual per-share earnings growth slowed to 8.0% in FY26 from 45.4% in FY25. This sharp slowdown in the annual growth rate contrasts with the strong YoY growth in quarterly net profit reported this time.

Return on Equity Below 15%

Return on equity of 13.07% in FY26 is below 15%. This level is a benchmark some investors use when comparing how efficiently lenders earn on shareholder capital, so it remains a figure to track over the coming year.

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Conclusion

The Bank Of India Q2 Results FY27 show revenue of Rs 24,137.25 Cr and net profit of Rs 3,308.82 Cr, with profit growing faster than revenue and margin improving to 13.7%. Return on equity trends remain the key watch point. Investors can follow the Bank Of India Q2 Results and later quarterly results on the Univest Screener and should consult a SEBI-registered advisor before acting.

Frequently Asked Questions on Bank Of India Q2 Results FY27

What are Bank Of India Q2 Results FY27?

Ans. Bank Of India Q2 Results FY27 show revenue of Rs 24,137.25 Cr and net profit of Rs 3,308.82 Cr for July to September 2026. Alongside this, both figures rose year on year, as the Quick Answer explains.

What is the results date for Bank Of India Q2 Results FY27?

Ans. Bank Of India declared its Q2 FY27 quarterly results on 23 October 2026. That results date covers the July to September 2026 quarter, as noted in the opening paragraph of this article.

What revenue was reported in Bank Of India Q2 Results FY27?

Ans. Bank Of India reported Q2 FY27 revenue of Rs 24,137.25 Cr against Rs 20,739.87 Cr a year earlier. This equals YoY growth of 16.38%, as the Financial Highlights table shows.

What net profit was reported in Bank Of India Q2 Results FY27?

Ans. Bank Of India Q2 Results FY27 show net profit of Rs 3,308.82 Cr compared with Rs 2,576.69 Cr a year earlier. This 28.41% increase is covered in the Key Takeaways section.

How much YoY growth did revenue show in Bank Of India Q2 Results FY27?

Ans. Bank Of India revenue showed YoY growth of 16.38% in Q2 FY27, rising to Rs 24,137.25 Cr. Compared with this, net profit grew faster at 28.41%, as the Performance Analysis explains.

Did net profit rise or fall in Bank Of India Q2 Results?

Ans. Bank Of India Q2 Results show net profit rose 28.41% YoY to Rs 3,308.82 Cr. Alongside this, net profit margin improved to 13.7% from 12.4%, as noted under Key Business Factors.

What was the net profit margin in Bank Of India Q2 Results FY27?

Ans. Bank Of India reported a net profit margin of 13.7% in Q2 FY27 compared with 12.4% a year earlier. This improvement came as net profit grew faster than revenue, as covered under Key Business Factors.

How much did net profit increase in rupees in Bank Of India Q2 Results?

Ans. Bank Of India net profit increased by Rs 732.13 Cr in Q2 FY27 compared with the same quarter last year. Alongside this, revenue rose by Rs 3,397.38 Cr, as the Performance Analysis shows.

What business factors shaped Bank Of India Q2 Results FY27?

Ans. Bank Of India Q2 FY27 was shaped by 16.4% revenue growth and a 28.4% rise in net profit. Alongside these, the net margin improved to 13.7%, as listed under Key Business Factors.

What are the key risks after Bank Of India Q2 Results FY27?

Ans. The key risks after Bank Of India Q2 Results FY27 are a lower FY26 return on equity of 13.07% and slower annual per-share earnings growth. Each of these is explained in the Key Risks section.

What is the outlook after Bank Of India Q2 Results?

Ans. The FY27 picture for Bank Of India will depend on the December and March quarters. So the Q2 net profit of Rs 3,308.82 Cr acts as a base for comparison, as the Outlook section notes.

Where can I find the complete Bank Of India Q2 Results FY27 data?

Ans. The complete Bank Of India Q2 FY27 figures for revenue and net profit are in the Financial Highlights table above. Investors can also follow later quarterly results using the Univest Screener and Univest app.