21 Jan 2026 close INR 157.48 Bank of India (BANKINDIA.NS, NSE): Earnings brief
The market closed with BANKINDIA.NS stock at INR 157.48 on 21 Jan 2026 after an earnings update that trimmed the share price by -3.42% for the day. Investors digested reported earnings and forward guidance while volume surged to 17,533,635 shares. Early signals point to a near-term technical pause, even as underlying metrics like EPS 21.18 and PE 7.54 underline value relative to peers. This earnings spotlight explains what moved the price, how valuation and technicals stack up, and which data points will matter next for traders and long-term holders.
Earnings snapshot: BANKINDIA.NS stock
Bank of India (BANKINDIA.NS) reported results that coincided with the 21 Jan 2026 close at INR 157.48, a daily change of -5.57 and -3.42%. The company lists EPS 21.18 and a trailing PE 7.54, figures investors used to re‑price the stock after the announcement. Trade volume reached 17,533,635, about 1.98x the average, signalling heavier-than-normal selling pressure. The immediate market reaction reflects a mix of cautious response to guidance and profit-taking after recent gains.
Valuation and financials for BANKINDIA.NS stock
On fundamentals, Bank of India posts a price/book 0.90, book value per share INR 178.11, and cash per share INR 230.13. Return on equity is 12.37% and dividend per share is 4.05 INR, implying a yield near 2.54%. Revenue and net income showed multi‑quarter improvement with FY revenue growth around 19.77% and net income growth 45.45% (FY 2025). Debt metrics show debt/equity 1.58, which is higher than some private peers and increases sensitivity to interest costs. These ratios explain why the stock trades below many sector multiples despite improving earnings.
Trading and technical picture for BANKINDIA.NS stock
Technicals show momentum but signs of short‑term overbought conditions. Key reads: RSI 67.49, MACD histogram 1.04, and Bollinger middle band INR 142.80. The share moved in a day range INR 156.24–162.54 and closed below the previous close INR 163.05. Price averages: 50‑day INR 145.43 and 200‑day INR 125.95. On volume, on‑balance volume is positive, but Money Flow Index at 85.32 warns near‑term pullback risk. Traders should watch a close below INR 156.00 for confirmation of a short correction.
Analyst stance and Meyka AI grade for BANKINDIA.NS stock
Independent company ratings show mixed signals; a data provider gave Bank of India a C- (Strong Sell) on 20 Jan 2026 based on some valuation and coverage models. By contrast, Meyka AI rates BANKINDIA.NS with a score out of 100: 71.40 | Grade B+ | Suggestion: BUY. This grade factors in S&P 500 benchmark comparison, sector performance, financial growth, key metrics, and analyst consensus. Meyka AI’s view stresses relative value (low PE and price/book near 0.90) plus improving earnings, while noting leverage and coverage divergence.
Price targets, forecasts and sector context for BANKINDIA.NS stock
Meyka AI’s forecast model projects monthly INR 157.55, quarterly INR 165.96, and yearly INR 154.24. At the close INR 157.48, the model implies a quarterly upside ~5.39% and a one‑year downside ~-2.06%. Realistic price targets framed to current data: bear INR 140.00, base INR 170.00, bull INR 200.00. In sector terms, Financial Services peers trade at average PE near 31.68, so Bank of India’s PE 7.54 implies a deep discount, driven by leverage and bank‑specific risks.
Risks and watchpoints for BANKINDIA.NS stock
Key risks include asset quality and interest coverage. Interest coverage sits at 0.35, reflecting sensitivity to rising rates and provisions. Working capital entries appear negative in some metrics and require monitoring. Upcoming catalysts: next RBI policy, quarterly asset quality update, and guidance on loan growth. Watch regulatory shifts after the RBI BRICS discussions and broader sector flows, as macro moves can quickly alter sentiment in regional banks. Use position sizing and stop levels given the liquidity and volatility profile.
Final Thoughts
Bank of India (BANKINDIA.NS) closed at INR 157.48 on 21 Jan 2026 after the earnings release. The reaction mixed value signals with short‑term caution: low PE 7.54, solid EPS 21.18, and price/book near 0.90 argue value, while higher leverage (debt/equity 1.58) and tight interest coverage increase risk. Meyka AI’s forecast model projects quarterly INR 165.96 (implied upside +5.39%) and yearly INR 154.24 (implied downside -2.06%) compared with the close. Meyka AI assigns a B+ (71.40) — BUY grade reflecting better growth and relative value versus peers, but we flag the divergent external rating and leverage as reasons for caution. Forecasts are model‑based projections and not guarantees. For traders, the next 4–8 weeks will test whether earnings momentum or macro risks dominate; investors should watch asset quality updates and RBI guidance before changing core allocations. Meyka AI, an AI‑powered market analysis platform, will monitor incoming data for updates and guidance.
FAQs
What moved BANKINDIA.NS stock on 21 Jan 2026?
BANKINDIA.NS stock fell after the earnings release; the stock closed at INR 157.48, down -3.42%, on higher volume. Market response reflected guidance, profit‑taking, and re‑pricing despite EPS 21.18 and a low PE 7.54.
What is Meyka AI’s grade and how does it affect BANKINDIA.NS stock view?
Meyka AI rates BANKINDIA.NS at 71.40 (B+) — BUY. The grade balances value metrics and growth versus sector risks. This is an informational grade, not investment advice, and should be one input among others.
What price targets and forecasts exist for BANKINDIA.NS stock?
Meyka AI’s model gives monthly INR 157.55, quarterly INR 165.96, and yearly INR 154.24. Practical targets range: bear INR 140.00, base INR 170.00, bull INR 200.00. Forecasts are projections, not guarantees.
Which financial ratios should investors watch for BANKINDIA.NS stock?
Monitor PE 7.54, price/book 0.90, ROE 12.37%, debt/equity 1.58, and interest coverage 0.35. These show valuation strength but higher leverage and coverage risk that affect earnings resilience.
Disclaimer:
Stock markets involve risks. This content is for informational purposes only. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.
