Bank of India Dividend 2026 || ₹4.65 Payout, Q4 Profit Jumps 15% & Key Record Date Detail

Bank of India Dividend Alert: PSU Lender Announce 46.50% Payout After Strong Q4 Performance, Check Record Date and Eligibility

The Indian Banking Sector Specifically Public Sector undertakings (PSU) Continue to be a major Point of interest for investor seeking both Capital appreciation and regular income through dividend. On Friday, May 8, 2026, Bank of India (BOI) became the center of Market attention by Announcing its Financial result for the Quarter and full Year ending March 31, 2026 alongside a rewarding Announcement for its Share holder.

Also Read: Wipro Q4 Results Preview 2026

With a Recommended Dividend of 46.50% and a 15% Surge in Quarterly net Profit, Bank of India has Signaled a robust end to the Financial Year.However while the growth figure are impressive certain Nuances in the Asset Quality and Dividend calculation are Essential for Every investor to Understand.

Bank of India Dividend Announcement: The 46.50% Payout

For the Financial Year 2025-26 the Board of Director of Bank of India has Recommended a dividend of ₹4.65 Per equity share.Based on the Face Value of ₹10 Per share this translate to a 46.50% Dividend Payout.

While Some initial report Mentioned a 56% Figure, The bank official BSE Stock Exchange filing Clarified the Recommendation as ₹4.65 (46.50%) Per fully Paid-up Equity share.This dividend is now Subject to Approval of share holder at the Ensuing Annual General Meeting (AGM) of the Bank. Once approved it will Represent a Significant payout from the bank Annual Profit After Tax (PAT) which Climbed 14% to reach ₹10,527 cr for the Full Year.

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Record Date & Eligibility: How to Secure the Dividend

For many investor the most Critical piece of information is the Record Date This is the day the bank check its record to see who owns the share and is the refore Entitled to the Dividend Payout.

• The Record Date: Bank of India has officially fixed 29 May 2026 as the record date/cut-off date.

• How to Get Eligible: To receive the ₹4.65 Per Share, you must own the stock in your demat account by this date.Specifically the bank noted that shareholders having shares as on the cut off date 29th May 2026 shall be eligible for dividend payment.

If you are Considering buying the stock for the Dividend, keep in Mind the Settlement Cycle. You Should Ensure the share are Credited to your Account on or before the record date to avoid Missing out.

Q4 Results Analysis Profit Soar by 15%

The dividend Announcement is well supported by the bank Quarterly Performance. For the Final Quarter (Q4) Ended 31 March 2026 Bank of India Posted a 15% rise in Profit After Tax (PAT) bringing the Quarterly Profit to ₹3,016 cr.

1. Global Deposits: The bank Deposit base grew by 13.56% (Year-on-Year) Crossing a Massive Milestone of ₹9.27 Lakh Cr.

2. Global Advances: Total Lending Expanded by 15.82% (Year-on-Year) Surpassing ₹7.71 Lakh Cr.

3. Overseas Growth: The bank international Footprint also Expanded with overseas advance rising 14.25% to reach ₹1.17 Lakh crore During FY26.

The RAM Strategy Powering Domestic Lending

A Deeper Look into Bank of India domestic Lending book reveal a strong focus on the RAM (Retail, Agriculture and MSME) Sector. This strategy has been a Primary driver of the bank Credit growth:

• Retail Advance: This Segment Led the way with a Stellar 21.19% Year-on-year growth.

• MSME Advance: Micro Small and Medium Enterprise Loan improved by 17.68%.

• Agriculture Loan: Agrisector lending saw an increase of 17.60%.

• Corporate Advance: Corporate Lending grew by 12.08%

Combined the RAM advance now Represent 58.74% of the bank overall Portfolio Suggesting a shift toward High yield granular Lending rather than relying solely on Large Corporate exposure.

Asset Quality Trend A Point of Caution

While the Profit and growth storie are Positive the bank Asset quality ratio showed signs of Pressure during This Period.

• Gross NPA Ratio: This stood at 1.98%, Which is 129 Basis Point higher than the Previou Year.

• Net NPA Ratio: The Net NPA rose 26 basis point Year-on-year to Reach 0.56%.

These Figure indicate that while the bank is Lending Aggressively, it is also Experiencing a Slight uptick in bad Loan or slippage.Investor Typically Monitor these ratio closely, as a Sustained rise in NPA can eat into Future Profitability and Capital Adequacy.

Market Reaction and Closing Thought

On the day of the result and dividend announcement (Friday May 8) Bank of India stock Experienced some Volatility.It touched an Intraday high of ₹140.35 before closing 0.39% Lower at ₹139.75 on the BSE.The Bank Currently hold a Market Capitalization of approximately ₹63,623.53 cr.

As the Market reopen on Monday BOI Will likely remain in focus as investor digest the 15% Profit jump against the backdrop of rising NPA.For the Dividend focused investor the clear takeaway is the May 29 record date the Final gatekeeper for the ₹4.65 per Share Reward.

Disclaimer: The information Provided in this Post is based on official filing and Market data. This is for informational purpose only and does not Constitute Financial advice. Please Consult with a Professional advisor before Making any investment Decision.