In 2025, budget-friendly Bank stocks under Rs. 100 present an excellent opportunity for investors to target companies with strong fundamentals and growth prospects. With India’s dynamic economy, these bank stocks offer a blend of stability and potential for solid returns, making them an attractive choice for smart investors.
Here are six PSU Bank stocks under Rs. 100 to watch out for in 2025
IDBI Bank Limited
With a market capitalization of Rs. 1,06,373.51 crore, the shares of IDBI Bank Limited were currently trading at Rs. 98.93 per equity share, down nearly 1.15 percent from its previous day’s close price of Rs. 100.08.
The company’s net interest income has decreased from Rs. 3,696.77 crore in Q4 FY24 to Rs. 3,299.78 crore in Q4 FY25, which is a drop of 10.74 percent. The net profit has increased by 25.19 percent, from Rs. 1,655.09 crore in Q4 FY24 to Rs. 2,072.01 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.63 percent and 12.32 percent, respectively. IDBI Bank Limited has an earnings per share (EPS) of Rs. 7.1, and its CASA Ratio is 50.43.
Central Bank of India
With a market capitalization of Rs. 35,961.22 crore, the shares of Central Bank of India were currently trading at Rs. 39.73 per equity share, down nearly 1.02 percent from its previous day’s close price of Rs. 40.14.
The company’s net interest income has decreased from Rs. 3,560.19 crore in Q4 FY24 to Rs. 3,415.15 crore in Q4 FY25, which is a drop of 4.07 percent. The net profit has increased by 28.35 percent, from Rs. 811.83 crore in Q4 FY24 to Rs. 1,042.02 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.35 percent and 10.35 percent, respectively. Central Bank of India has an earnings per share (EPS) of Rs. 4.35, and its CASA Ratio is 50.02.
UCO Bank
With a market capitalization of Rs. 40,715.95 crore, the shares of UCO Bank were currently trading at Rs. 32.53 per equity share, down nearly 0.55 percent from its previous day’s close price of Rs. 32.71.
The company’s net interest income has increased from Rs. 2,187.36 crore in Q4 FY24 to Rs. 2,698.49 crore in Q4 FY25, which is a growth of 23.37 percent. The net profit has increased by 24.09 percent, from Rs. 525.77 crore in Q4 FY24 to Rs. 652.43 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.41 percent and 7.92 percent, respectively. UCO Bank has an earnings per share (EPS) of Rs. 1.97, and its CASA Ratio is 37.91.
Bank of Maharashtra
With a market capitalization of Rs. 42,972.72 crore, the shares of Bank of Maharashtra were currently trading at Rs. 55.87 per equity share, down nearly 0.21 percent from its previous day’s close price of Rs. 55.99.
The company’s net interest income has increased from Rs. 2,584.64 crore in Q4 FY24 to Rs. 3,116.81 crore in Q4 FY25, which is a growth of 20.59 percent. The net profit has increased by 22.62 percent, from Rs. 1,217.91 crore in Q4 FY24 to Rs. 1,493.38 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.44 percent and 19.32 percent, respectively. Bank of Maharashtra has an earnings per share (EPS) of Rs. 7.21, and its CASA Ratio is 52.73.
Indian Overseas Bank
With a market capitalization of Rs. 75,505.09 crore, the shares of Indian Overseas Bank were currently trading at Rs. 39.20 per equity share, down nearly 1.01 percent from its previous day’s close price of Rs. 39.60.
The company’s net interest income has increased from Rs. 2,763.08 crore in Q4 FY24 to Rs. 3,122.95 crore in Q4 FY25, which is a growth of 13.02 percent. The net profit has increased by 30.07 percent, from Rs. 808.1 crore in Q4 FY24 to Rs. 1,051.07 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.43 percent and 10.53 percent, respectively. Indian Overseas Bank has an earnings per share (EPS) of Rs. 1.76, and its CASA Ratio is 43.9.
Punjab and Sind Bank
With a market capitalization of Rs. 22,826.50 crore, the shares of Punjab and Sind Bank were currently trading at Rs. 32.17 per equity share, down nearly 0.43 percent from its previous day’s close price of Rs. 32.31.
The company’s net interest income has increased from Rs. 689.32 crore in Q4 FY24 to Rs. 1,122.02 crore in Q4 FY25, which is a growth of 62.77 percent. The net profit has increased by 124.46 percent, from Rs. 139.35 crore in Q4 FY24 to Rs. 312.78 crore in Q4 FY25.
In terms of return ratios, the company’s ROCE and ROE should be 1.48 percent and 7.61 percent, respectively. Punjab and Sind Bank has an earnings per share (EPS) of Rs. 1.43, and its CASA Ratio is 32.42.
Written By – Nikhil Naik
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