Key Highlights (Quarter ended Sep’25 over Sep’24)
- Net Profit up by 11.49% YoY at ₹3018 Cr in Sep’25 from ₹2707 Cr in Sep’24
- Operating Profit improved by 2.31% YoY to ₹4837 Cr in Sep’25 from ₹4728 Cr in Sep’24
- Net Interest Income increased by 5.76% YoY to ₹6551 Cr in Sep’25 from ₹6194 Cr in Sep’24
- Return on Assets (RoA) stood at 1.32%, Return on Equity (RoE) at 19.58 % in Sep’25
- Yield on Advances (YoA) stood at 8.40% in Sep’25
- Cost of Deposit improved by 12 bps to 5.01% in Sep’25 from 5.13% in Sep’24
- Gross Advances increased by 12.65% YoY to ₹620324 Cr in Sep’25 from ₹550644 Cr in Sep’24
- RAM (Retail, Agriculture & MSME) advances grew by 15.57% YoY to ₹375660 Cr in Sep’25 from ₹325050 Cr in Sep’24
- RAM contribution to gross domestic advances stood at 65.50%. Retail, Agri & MSME advances grew by 18.58%, 13.98% and 14.10% YoY respectively. Home Loan (including mortgage) grew by 12.68% YoY in Sep’25
- Priority sector advances as a percentage of ANBC stood at 42.51% at ₹206149 Cr in Sep’25 as against the regulatory requirement of 40%
- Total Deposits increased by 12.09% YoY and reached to ₹776946 Cr in Sep’25 as against ₹693115 Cr in Sep’24. Current, Savings & CASA deposits grew by 11.40%, 6.59%, and 7.23% YoY respectively
- Domestic CASA ratio stood at 38.87% as on 30thSep’25
- CD ratio stood at 79.84% as on 30thSep’25
- GNPA decreased by 88 bps YoY to 2.60% in Sep’25 from 3.48% in Sep’24, NNPA reduced by 11 bps to 0.16% in Sep’25 from 0.27% in Sep’24
- Provision Coverage Ratio (PCR, including TWO) improved by 68 bps YoY to 98.28% in Sep’25 from 97.60% in Sep’24
- Slippage Ratio contained to 0.79% in Sep’25 in comparison to 1.06% in Sep’24
- Capital Adequacy Ratio stood at 17.31%. CET-I stood at 14.80% and Tier I Capital at 15.27% in Sep’25
- Earnings Per Share (EPS) increased to ₹89.63 in Sep’25 from ₹80.37 in Sep’24
Key Highlights (Quarter ended Sep’25 over Jun’25)
- Net Profit up by 1.51% QoQ to ₹3018 Cr in Sep’25 from ₹2973 Cr in Jun’25
- Fee based income grew by 5.0% QoQ to ₹830 Cr in Sep’25 from ₹790 Cr in Jun’25
- Yield on Investments (YoI) improved by 7 bps QoQ to 7.03% in Sep’25 from 6.96% in Jun’25
- Net Interest Margin (NIM) Domestic stood at 3.34% in Sep’25
- GNPA decreased by 41 bps to 2.60% in Sep’25 from 3.01% in Jun’25, NNPA reduced by 2 bps to 0.16% in Sep’25 from 0.18% in Jun’25
Key Highlights (Half yearly ended Sep’25 over Sep’24)
- Net Profit up by 17.24% YoY to ₹5991 Cr in H1FY26 from ₹5110 Cr in H1FY25
- Operating Profit grew by 4.08% YoY to ₹9607 Cr in H1FY26 from ₹9230 Cr in H1FY25
- Net Interest Income up by 4.35% YoY to ₹12910 Cr in H1FY26 from ₹12372 Cr in H1FY25
- Net Interest Margin (NIM) Domestic stood at 3.35% in H1FY26
- Return on Assets (RoA) improved by 7 bps to 1.33% from 1.26% in H1FY25
- Credit Cost improved by 41 bps YoY to 0.27% in H1FY26 from 0.68% in H1FY25
- Return on Equity (RoE) stood at 19.93% in H1FY26
Network:
- The Bank has 5955 domestic branches (including 3 DBUs), out of which 2001 are Rural, 1587 are Semi-Urban, 1189 are Urban & 1178 are in Metro category. The Bank has 3 overseas branches & 1 IBU (Gift City Branch).
- The Bank has 5565 ATMs & BNAs and 15598 number of Business Correspondents (BCs).
Digital Banking:
- Business of ₹1,23,585 Cr has been generated through Digital Channels in H1FY26. A total of 132 Digital Journeys, Utilities and Processes have been launched so far.
- Number of Mobile Banking users has grown by 17% year over year, reaching 2.11 Cr.
- UPI users and Net Banking users have witnessed an increase of 24% & 6% YoY reaching 2.41 Cr and 1.17 Cr respectively. Both the debit card & credit card users increased by 5%.
Awards & Accolades:
- Indian Bank was awarded the third prize in the Rajbhasha Kirti Award 2025 for its exemplary efforts in promoting the official language.
- The Bank received the Cloud Leader- India 2025 award from VMware India in recognition of its leadership in cloud technology and innovation.
- The Chief Financial Officer of Indian Bank was honoured as the Best CFO in the Bank (Large Cap category) at DSIJ’s 2025 CFO Awards.
Our Focus
- Our focus remains on staying agile in a dynamic environment, building trust through transparency and delivering personalised experiences. We are investing in innovation, expanding access to underserved segments and strengthening our foundation for long-term success.