Bank of India Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Tue Apr 14 2026

Bank of India (BANKINDIA) Q4 FY26 results are scheduled for May 8, 2026, when the company’s board of directors will approve the financial statements for the January-March 2026 quarter. Trading at Rs 95 as of April 2026 — down -26% from its 52-week high of Rs 132 — the stock has been under pressure alongside its peers in the PSU Banking sector. This Q4 results preview covers the confirmed results date, analyst consensus estimates, five key performance factors, five risks to monitor, analyst ratings, and the complete share price outlook.

Bank of India’s Q4 FY26 earnings will be watched for signals on the company’s +9% loan growth trajectory, and whether operating metrics are recovering toward normalised levels. This article provides a structured preview based on analyst consensus data and publicly available financial information.

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Table of Contents

Bank of India Q4 Results 2026 Date

The Bank of India Q4 FY26 results date is May 8, 2026. The board of directors will meet to approve the audited consolidated and standalone financial results for the quarter ended March 31, 2026, and the full year FY2025-26.

Here is a broader view of the Q4 FY26 results calendar for reference:

Company	Results Date	Key Metric
TCS	April 9, 2026 (Declared)	FY27 revenue guidance, deal TCV
Infosys	April 23, 2026	CC growth guidance for FY27
Bharat Electronics (BEL)	May 8, 2026	Order book execution, EBITDA margin
Bharat Forge	May 10, 2026	Global CV + defence execution
Bank of India	May 8, 2026	See estimates below

Why Q4 FY26 Matters

Q4 (January-March) is the final quarter of FY26, making it the most important earnings event of the year. Beyond the quarterly numbers, investors will receive: full-year FY26 financial summary, management commentary on FY27 business outlook, and the final dividend recommendation for FY26 shareholders.

For Bank of India specifically, Q4 FY26 captures the peak season dynamics of the PSU Banking sector. Management’s commentary on FY27 demand visibility will set the investment narrative for the next 12 months.

Bank of India Q4 FY26 Earnings Estimates

Bank of India Q4 FY26 analyst consensus estimates — Revenue, PAT, Margin

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Based on publicly available analyst consensus, here are the Q4 FY26 estimates for Bank of India:

Metric	Q4 FY26 Estimate	Q3 FY26 Actual	Trend
Revenue	Rs 18,500 Cr	Rs 17,200 Cr	QoQ expected improvement
Net Profit (PAT)	Rs 2,200 Cr	Rs 2,045 Cr	Normalisation expected
Margin	NIM 2.8%	Q3 FY26 margin	QoQ trend
Volume / Growth Driver	+9% loan growth	Prior quarter	YoY
Dividend (Expected)	Rs 4 (expected)	FY26 interim dividends	Final dividend

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5 Key Factors Driving Bank of India Q4 FY26 Performance

1. Domestic Loan Book Recovery

Bank of India’s domestic corporate and retail loan book growth of 9% YoY would be in line with industry trends.

2. GNPA Reduction Trajectory

GNPA has improved from 10%+ historical highs to approximately 4.5% in Q3 FY26. Further improvement below 4.2% would be a positive signal.

3. Overseas Operations Normalisation

Bank of India has significant overseas presence. Normalisation of overseas NIM and asset quality contributes to consolidated performance.

4. Agricultural Credit

BOI has significant agricultural lending exposure. Good rabi harvest collections in Q4 would reduce agri sector stress.

5. Technology Modernisation

BOI’s digital banking investment has been improving. Any positive data on digital transaction adoption would support operating efficiency.

5 Risks to Watch in Bank of India Q4 FY26

Risk 1: Legacy NPA Portfolio

Large corporate NPAs from infrastructure and steel continue to require monitoring.

Risk 2: Capital Requirements

BOI may need additional capital raises for Basel III compliance and growth funding.

Risk 3: Political Lending Risk

PSU banks are exposed to government-directed lending that may carry higher risk.

Risk 4: Interest Spread Compression

Low NIM of 2.8% leaves limited buffer against NIM compression in a rate-cut environment.

Risk 5: Competition from Private Banks

Private banks are gaining market share in high-margin retail products, limiting PSU banks’ ability to improve margin profiles.

Bank of India Share Price and Analyst Ratings

Parameter	Value
CMP (April 2026)	Rs 95
52-Week High	Rs 132
52-Week Low	Rs 80
1-Year Return	-26%
Market Capitalisation	Rs 42,000 Cr
Sector	PSU Banking
NSE Ticker	BANKINDIA

Analyst ratings and target prices based on publicly available brokerage research:

Brokerage	Rating	Target Price	Investment Thesis
Angel One	BUY	Rs 118	GNPA recovery + domestic credit growth
Nirmal Bang	ADD	Rs 108	PSU banking recovery play at low valuation

Conclusion

Bank of India Q4 FY26 will reflect PSU banking credit quality improvement. PAT above Rs 2,200 crore with NIM stable at 2.8% would be a positive. GNPA trajectory and retail book growth are the key quality indicators.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE/BSE filings and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.

For more Q4 FY26 results previews, visit Univest Blogs.

Frequently Asked Questions

Q: When is Bank of India Q4 results 2026 date?

Bank of India Q4 FY26 results date is May 8, 2026. The board of directors will meet on this date to approve the quarterly and full-year FY26 financial results and consider recommending a final dividend.

Q: What is Bank of India Q4 FY26 revenue estimate?

Analyst consensus estimate for Bank of India Q4 FY26 revenue is Rs 18,500 Cr. Q3 FY26 actual revenue was Rs 17,200 Cr. Actual Q4 results may vary based on operating conditions.

Q: What is Bank of India Q4 FY26 PAT estimate?

Analyst consensus estimate for Bank of India Q4 FY26 net profit (PAT) is Rs 2,200 Cr. Q3 FY26 actual PAT was Rs 2,045 Cr. Estimates are indicative and not guaranteed.

Q: Will Bank of India declare a dividend in Q4 FY26?

Bank of India is expected to declare Rs 4 (expected) for FY26, subject to board approval at the May 8, 2026 board meeting and subsequent shareholder approval at the AGM.

Q: What is Bank of India current share price?

Bank of India is trading at Rs 95 as of April 2026, with a 52-week range of Rs 80 to Rs 132. The 1-year return is -26%.

Q: What were Bank of India Q3 FY26 results?

In Q3 FY26, Bank of India reported revenue of Rs 17,200 Cr and net profit (PAT) of Rs 2,045 Cr. The Q4 FY26 results on May 8, 2026 will provide a comparison to assess sequential and year-on-year trends.

Q: When do TCS and Infosys announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026 (see the Bank of India earnings calendar table above). Infosys is scheduled to declare results on April 23, 2026. Both are covered in detail on Univest Blogs.

Q: Is Bank of India a good investment ahead of Q4 results?

This article does not constitute investment advice. Bank of India trades at Rs 95 with a 52-week range of Rs 80 to Rs 132. Analyst consensus targets and the Q4 FY26 estimates suggest monitoring the results date closely. Consult a SEBI-registered financial advisor for personalised investment guidance.