NBT Bancorp Inc.
NBT Bancorp Inc. (NASDAQ: NBTB) is trading at $50.16, about ₹4,818 at today's USD/INR rate, as of 30 Sep 2026, 4:00 PM ET, down 0.12% today. Indian residents can buy NBT Bancorp from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$49.98
Today's high
$50.55
52 week low
$39.20
52 week high
$54.50
NBTB opened at $50.21, closed previously at $50.22, and has traded between $39.20 and $54.50 over the past 52 weeks.
About
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
Key statistics
Avg. volume
351.06K
Market cap
$2.61B
P/E Ratio
12.23
Price-to-sales ratio
2.76
Enterprise value
$2.10B
Free cash flow yield
11.19%
Debt-to-equity ratio
0.24
Return on equity
8.92%
ROIC
1.06%
Beta
0.48
Dividend yield
3.01%
Last dividend
$1.51
Financial overview
Revenue
$867.43M
Earnings per share
$3.34
Free cash flow
$218.92M
Net profit margin
22.65%
Gross margin
76.57%
EBITDA
$241.03M
Revenue growth
10.36%
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This is not an investment recommendation
How to buy NBT Bancorp from India
Indian residents can buy NBT Bancorp shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for NBT Bancorp and place an order
Find NBT Bancorp by name or by its ticker, NBTB, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. NBT Bancorp trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your NBT Bancorp position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in NBT Bancorp from India
Trading and taxes when buying NBT Bancorp from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. NBT Bancorp’s current yield is 3.01%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy NBT Bancorp stock?
Yes. NBT Bancorp (NBTB) has been listed on NASDAQ since 1992, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one NBT Bancorp share cost in rupees?
One NBT Bancorp share is $50.16 — about ₹4,818 at a USD/INR rate of 96.06 on 29 Sep 2026. Both the NBT Bancorp price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying NBT Bancorp from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of NBT Bancorp?
Yes. One NBT Bancorp share is $50.16, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in NBT Bancorp.
How are gains on NBT Bancorp shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the NBT Bancorp price. Paasa issues a capital-gains statement for your return.
Does NBT Bancorp pay a dividend, and how is it taxed in India?
Yes. NBT Bancorp pays a dividend and the current yield is 3.01%; the last declared dividend was $1.51 per share, about ₹145.05. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade NBT Bancorp from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on NBT Bancorp shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare NBT Bancorp shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your NBT Bancorp holding, its cost and its closing value.
How do I sell NBT Bancorp and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.