Advances Growth: 14-16% for FY27
Management reiterated full-year guidance of 14-16% credit growth, supported by RAM segment strength and corporate pipeline visibility. Q1 advances grew 28.58% annualized.
CENTRALBK / guidance tracker
Keep management guidance in view.
Central Bank of India · forward-looking guidance across the available source record.
Research layer active
Guidance tracker
What management said would happen.
growth
NIM: Maintain 3%+
Net interest margin maintained at 3.06% with guidance to stay above 3%. Management expects yield on advances to improve from 7.89% to ~8% by March 2027 through focus on gold loan and SSG segments.
ROA: Maintain 1%+
Return on assets above 1% maintained in Q1 with ROE improving to 14.92% from 14.17%. Management targets continued efficiency improvement.
Cost to Income: Sub-56%
Current cost-to-income at 50.54% (improved from 55.30% YoY). Management targets sub-56% through income diversification (centralized BG/forex cells, insurance, NRI services) and cost optimization across branches.
Credit growth target of ₹3.40 lakh crore by March 2026
Management expects total advances to reach ₹3.40 lakh crore by Q4 FY26, driven by strong sanctions and disbursements.
CD ratio to reach 73-74% by Q4 FY26
The bank aims to improve its credit-deposit ratio to 73-74% by March 2026, up from 72% in Q3.
Cost of deposits to decline to 4.5-4.55% by June 2026
With repricing of term deposits and Kasa campaign, cost of deposits is expected to fall to 4.5-4.55% by June 2026.
NIM to be maintained at 3%
Despite rate cuts, management expects to sustain NIM at 3% through Kasa growth and RAM focus.