INDIAN BANK Q2 FY26 Results

Summary

Indian Bank has reported a net profit of 5991 Cr for the half year and 3018 Cr for the quarter ended Sep’25, representing a YoY increase of 17.24% and 11.49% respectively. The bank's Global Business Net Profit stands at 13.97 lakh Cr, up 17.24% YoY. The bank's Net Interest Income increased by 5.76% YoY to 6551 Cr in Sep’25. The bank's Gross Advances increased by 12.65% YoY to 7620324 Cr in Sep’25. The bank's Total Deposits increased by 12.09% YoY and reached to 776946 Cr in Sep’25. The bank's GNPA decreased by 88 bps YoY to 2.60% in Sep’25 and NNPA reduced by 11 bps to 0.16% in Sep’25. The bank's Capital Adequacy Ratio stood at 17.31%. The bank has 5955 domestic branches and 3 overseas branches. The bank has received several awards and accolades including the third prize in the Rajbhasha Kirti Award 2025 and the Cloud Leader- India 2025 award from VMware India.

Key Highlights

1. 1

   Net Profit up by 11.49% YoY at $3018 Cr in Sep’25 from 2707 Cr in Sep’24

2. 2

   Operating Profit improved by 2.31% YoY to 4837 Cr in Sep’25 from %4728 Cr in Sep’24

3. 3

   Net Interest Income increased by 5.76% YoY to 6551 Cr in Sep’25 from %6194 Cr in Sep’24

4. 4

   Return on Assets (RoA) stood at 1.32%, Return on Equity (RoE) at 19.58 % in Sep’25

5. 5

   Gross Advances increased by 12.65% YoY to 7620324 Cr in Sep’25 from %550644 Cr in Sep’24

6. 6

   Total Deposits increased by 12.09% YoY and reached to 776946 Cr in Sep’25 as against %693115 Cr in Sep’24

7. 7

   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

8. 8

   Capital Adequacy Ratio stood at 17.31%. CET-I stood at 14.80% and Tier I Capital at 15.27% in Sep’25

9. 9

   Net Profit up by 1.51% QoQ to $3018 Cr in Sep’25 from 2973 Cr in Jun’25

10. 10

    Fee based income grew by 5.0% QoQ to 830 Cr in Sep’25 from %790 Cr in Jun’25

11. 11

    aoe Investments (YoI) improved by 7 bps QoQ to 7.03% in Sep’25 from 6.96% in un

12. 12

    Net Interest Margin (NIM) Domestic stood at 3.34% in Sep’25

13. 13

    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