BOB Share Price Target 2025,2030,2035,2040

Share of Bank of Baroda(B0B) is currently trading at around Rs.236/-. Investors are asking for the BOB Share Price Targets for 2025, 2030, 2035 and 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you the BOB Share Price Targets for 2025, 2030, 2035 and 2040.

Discussion & Analysis of Business & Financial performance with future business prospects of Bank of Baroda(BOB):

🏦 Bank Overview & Recent Performance

Size & Position: Bank of Baroda (BoB), founded in 1908 and headquartered in Vadodara, Gujarat, is India’s third-largest public-sector bank by assets and one of the top three nationally alongside SBI and ICICI Bank
Financial Snapshot (FY 2024–25): Total business (deposits + advances) grew ~11% YoY to ₹27.02 lakh crore. Advances increased ~13% to ₹12.30 lakh crore, with deposits rising ~10% to ₹14.72 lakh crore
Loan Portfolio Growth:
- Retail loans grew ~19% YoY to ₹2.57 lakh crore;
- Agriculture and MSME loans each rose ~14%;
- Corporate credit expanded ~8–11% YoY
Deposit Strategy & Retail Focus:
- CASA accounts have seen notable expansion (93 lakh new accounts opened in FY ’25), with innovative digital onboarding via VCIP and TAB channels BoB introduced new segment-focused offerings (e.g., “Masterstroke SB”, “bob Parivar” family banking, defence vertical, salary account programs)
Asset Quality & Profitability:
- Gross NPA improved: from ~3.32% to ~2.5% by H1 FY ’25; net NPA dropped to ~0.6% Q2FY25 net profit jumped ~23% YoY to ₹5,238 crore, driven by strong non-interest income and recovery efforts
- Q4FY25 NIM approx. 2.86%, slightly down from ~3.10% but supported by stable deposit cost and deposit mix
Capital Strength:
- BoB has robust capital buffers: CET-1 ~12.5%, CRAR ~16–16.3%, and LCR ~120% No immediate equity raises planned; debt issuances via bonds are anticipated

↗️ Strategic Growth & Digital Push

Branch & Market Expansion:
- BoB aims to open ~500 new branches in the next two years, targeting micro-markets to boost deposits and loans. This is part of a longer-term goal to double the balance sheet within five years from ₹17.9 trillion Earlier, the target was 250 additional branches with ~12–14% loan growth; this has since scaled upward
Loan & Deposit Guidance:
- For FY 2025–26, the bank forecasts 13–15% credit growth and 13% deposit growth, aiming to grow its loan market share to 6% from ~5.5% Secured retail lending (auto and mortgages) is prioritized; unsecured personal loans are approached cautiously
Digital Innovation:
- Digital lending platforms, including loans against GST, Mudra, and gold, facilitate faster credit deployment and straight-through processing .
- Mobile banking (Baroda M-Connect Plus) and AI/WhatsApp channels have significantly increased digital transaction share and customer reach
International Footprint:
- With operations in ~21 countries and over 100 overseas branches, international business contributes ~30% of revenues. Expansion plans include new ventures in Caribbean, Africa, and Asia-Pacific markets

🔮 Future Outlook & Prospects

Robust Growth Strategy: With aggressive branching, digital adoption, and retail market penetration, the bank is well-positioned to double its balance sheet within five years
Asset Quality Strength: Steady NPA reduction, high provision coverage (~93–94%), and emphasis on secured lending reduce risk
Digital Acceleration: Continued shift to cost-effective digital channels improves efficiency margins and service delivery.
Macro Tailwinds: India’s lofty GDP growth (~6–7%), rising middle-income population, rural inclusion schemes, and fintech partnerships support credit growth Valuation & Capital Efficiency: Market research indicates attractive valuation (P/E ~6) and dividend yield (~3–3.5%), with optimism for re-rating as credit cycles recover

✅ Challenges to Monitor

Margin Pressure: Deposit costs remain elevated; sustained NIM compression is a risk, though management guidance aims at 3.0–3.1%
Competitive Funding Environment: Intense competition for deposits from private banks and alternate investment channels may cap growth .
Regulatory/Capital Requirements: Continued emphasis on liquidity and Basel III norms may require incremental capital raises via debt or equity.

🧩 Conclusion

Bank of Baroda exhibits a sound and growing business profile: diversified loan book, improved asset quality, strong capital buffers, and rapid digital transformation. With bold expansion targets and favorable macroeconomic momentum, the institution is on track to significantly upscale in the next five years. Success hinges on maintaining asset discipline, efficient deposit mobilization, and execution on its digital and international strategy

Top of Form

Bottom of Form

Share Price Targets:

BOB Share Price Target 2025

Based on the above discussion and analysis, the share price of Bank of Baroda(BOB) may touch the level of around Rs.260-275 in 2025

BOB Share Price Target 2030

Based on the above discussion and analysis, the share price of Bank of Baroda(BOB) may touch the level of around Rs.550-600 in 2030

BOB Share Price Target 2035

Based on the above discussion and analysis, the share price of Bank of Baroda(BOB) may touch the level of around Rs.1250-1350 in 2035

BOB Share Price Target 2040

Based on the above discussion and analysis, the share price of Bank of Baroda(BOB) may touch the level of around Rs.2750-3000 in 2040

Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.

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