Financial Results for the Quarter/Half Year ended 30th September 2025

• Net Profit up by 49% YoY at ₹3018 Cr in Sep’25 from ₹2707 Cr in Sep’24
• Operating Profit improved by 31% YoY to ₹4837 Cr in Sep’25 from ₹4728 Cr in Sep’24
• Net Interest Income increased by 76% YoY to ₹6551 Cr in Sep’25 from ₹6194 Cr in Sep’24
• Return on Assets (RoA) stood at 32%, Return on Equity (RoE) at 19.58 % in Sep’25
• Yield on Advances (YoA) stood at 40% in Sep’25
• Cost of Deposit improved by 12 bps to 01% in Sep’25 from 5.13% in Sep’24
• Gross Advances increased by 65% YoY to ₹620324 Cr in Sep’25 from ₹550644 Cr in Sep’24
• RAM (Retail, Agriculture & MSME) advances grew by 57% YoY to ₹375660 Cr in Sep’25 from ₹325050 Cr in Sep’24
• RAM contribution to gross domestic advances stood at 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 51% at ₹206149 Cr in Sep’25 as against the regulatory requirement of 40%
• Total Deposits increased by 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 87% as on 30^thSep’25
• CD ratio stood at84% as on 30^thSep’25
• GNPA decreased by 88 bps YoY to 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 28% in Sep’25 from 97.60% in Sep’24
• Slippage Ratio contained to 79% in Sep’25 in comparison to 1.06% in Sep’24

• Capital Adequacy Ratio stood at 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.

• Net Profit up by 51% QoQ to ₹3018 Cr in Sep’25 from ₹2973 Cr in Jun’25
• Fee based income grew by 0% QoQ to ₹830 Cr in Sep’25 from ₹790 Cr in Jun’25  
• Yield on Investments (YoI) improved by 7 bps QoQ to03% in Sep’25 from 6.96% in Jun’25

• Net Profit up by 24% YoY to ₹5991 Cr in H1FY26 from ₹5110 Cr in H1FY25
• Operating Profit grew by 08% YoY to ₹9607 Cr in H1FY26 from ₹9230 Cr in H1FY25
• Net Interest Income up by 35% YoY to ₹12910 Cr in H1FY26 from ₹12372 Cr in H1FY25
• Net Interest Margin (NIM) Domestic stood at35% in H1FY26
• Return on Assets (RoA) improved by 7 bps to 33% from 1.26% in H1FY25
• Credit Cost improved by 41 bps YoY to27% in H1FY26 from 0.68% in H1FY25
• Return on Equity (RoE) stood at 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 Channelsin H1FY26. A total of 132 Digital Journeys, Utilities and Processes have been launched so far.
• Number of Mobile Banking usershas grown by 17% year over year, reaching 11 Cr.
• UPI users and Net Banking users have witnessed an increase of 24% & 6% YoY reaching 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.