Expressnews
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 from5.13% 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 at65.50%. 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 at42.51% 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% inSep’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
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Key Highlights (Quarter ended Sep’25 over Jun’25)
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’25from ₹80.37 in Sep’24
• 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
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Smart Banking
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% inJun’25, NNPA reduced by 2 bps to 0.16% in Sep’25 from 0.18% in Jun’25
Key Highlights (Half Year 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 H1FY26from ₹9230 Cr in H1FY25
• Net Interest Income up by 4.35% YoY to ₹12910 Cr inH1FY26 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 H1FY26from 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 3overseas 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 1.17Cr respectively. Both the debit card & credit card users increased by 5%.
Awards & Accolades:
• Indian Bank was awarded the third prize in the RajbhashaKirti 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.
