Operates as a private sector bank with Q1 FY27 total business of ₹1,21,715 cr, made up of ₹64,409 cr in deposits and ₹57,306 cr in advances. The retail banking segment is the core earner, making up 69.3% of segment revenue at ₹3,189.28 cr (9-month YTD ending December 2024), driven largely by a gold loan portfolio that represents 47.82% of advances and yields 10.58%. The bank is also growing retail/MSME/agri (RAM) advances at 28.47% YoY, with vehicle loans targeted at 35% growth and home loans at 8-10% in FY27. Treasury operations contribute 21.0% of segment revenue (₹964.85 cr) through investment book gains and yields, while corporate/wholesale banking accounts for 9.7% (₹445.56 cr). Q1 FY27 net profit reached ₹411.51 cr, ROA 2.14%, ROE 15.93%, and NIM 4.29%, with cost-to-income at 39.10%. The main cost drivers are interest paid on deposits (reflected in the bank's deliberate shift to term deposits at 20.73% growth) and planned IT spend of ₹280 cr for FY27, split across infrastructure, software, and cybersecurity. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (69%), Treasury (21%), Corporate / Wholesale Banking (10%), Other Banking Operations (0%). Private sector bank with a gold-loan-anchored retail book, growing RAM (retail/agri/MSME) franchise, and a high capital cushion
| ₹ crore · consolidated | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — |
| margin % | — | — | — | — |
| Owners' profit | 1,029 | 1,072 | 1,183 | 1,338 |
| EPS, as reported (₹) | 68.06 | 67.70 | 74.68 | 84.47 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — |
| Cash from operations | (1,270) | (611) | 1,899 | (101) |
| Capex | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 400 | 404 | 387 | 404 | 432 | 467 | 504 | 557 |
| Net profit | 303 | 300 | 292 | 305 | 318 | 342 | 374 | 412 |
| EPS (₹) | 19.15 | 18.96 | 18.44 | 19.25 | 20.05 | 21.57 | 23.60 | 25.99 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 9 Sept 2026 · TMB to attend Arihant Bharat Connect virtual investor meet on Sep 29 | board shareholder meetings | low | — | — |
| 28 Aug 2026 · Special Window for re-lodgement of physical share transfer requests | compliance | minimal | — | — |
| 26 Aug 2026 · TMB to open new branch in Thiruvottiyur, Tamil Nadu | business updates | low | — | — |
| 6 Aug 2026 · Bank's analysts and investors meet scheduled for August 11, 2026 | board shareholder meetings | low | — | — |
| 30 Jul 2026 · TMB Q1 FY27: record profit, 23% biz growth, raises guidance | investor communications | medium | — | — |
| 29 Jul 2026 · TMB to participate in Anand Rathi G-200 Summit 2026 on September 21 | board shareholder meetings | low | — | — |
| 29 Jul 2026 · TMB to attend Ashwamedh-Elara India Dialogue 2026 on Sept 2 | board shareholder meetings | low | — | — |
| 29 Jul 2026 · TMB to meet Monarch Capital on August 6, 2026 in virtual analyst meet | board shareholder meetings | low | — | — |
| 29 Jul 2026 · TMB to meet Capital Group analysts on August 4, 2026 | board shareholder meetings | low | — | — |
| 28 Jul 2026 · TMB publishes Q1 FY27 unaudited results in newspapers | compliance | minimal | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 10.0 | 12.4 | 7 of 20 | 68% |
| Profit growth | 35.0 | 29.5 | 8 of 20 | 63% |
| Market cap | 14495 | 48154 | 15 of 20 | 26% |
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| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
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