“Indian Bank” Financial Results for the Quarter ended 30th June 2025
- Net Profit up by 69% YoY at ₹2973 Cr in Jun’25 from ₹2403 Cr in Jun’24
- Operating Profit improved by 97% YoY to ₹4770 Cr in Jun’25 from ₹4502 Cr in Jun’24
- Net Interest Income increased by 93% YoY to ₹6359 Cr in Jun’25 from ₹6178 Cr in Jun’24
- Return on Assets (RoA) up by 14 bps to 1.34% in Jun’25 from 20% in Jun’24
- Return on Equity (RoE) increased by 50 bps to 26% in Jun’25 from 19.76% in Jun’24
- Yield on Advances (YoA) stood at 58% and Yield on Investments (YoI) at 6.96% in Jun’25
- Gross Advances increased by 50% YoY to ₹601147 Cr in Jun’25 from ₹539123 Cr in Jun’24
- RAM (Retail, Agriculture & MSME) advances grew by 93% YoY to ₹363221 Cr in Jun’25 from ₹313301 Cr in Jun’24
- RAM contribution to gross domestic advances increased to 34%. Retail, Agri & MSME advances grew by 16.56%, 16.40% and 14.45% YoY respectively. Home Loan (including mortgage) grew by 10.65% YoY
- Priority sector advances as a percentage of ANBC stood at 73% at ₹211203 Cr in Jun’25 as against the regulatory requirement of 40%
- Total Deposits increased by 26% YoY and reached to ₹744289 Cr in Jun’25 as against ₹681183 Cr in Jun’24
- Domestic CASA ratio stood at 97% as on 30thJun’25
- CD ratio stood at77% as on 30thJun’25
- GNPA decreased by 76 bps YoY to 01% in Jun’25 from 3.77% in Jun’24, NNPA reduced by 21 bps to 0.18% in Jun’25 from 0.39% in Jun’24
- Provision Coverage Ratio (PCR, including TWO) improved by 154 bps YoY to 20% in Jun’25 from 96.66% in Jun’24
- Slippage Ratio contained to 94% in Jun’25 in comparison to 1.50% in Jun’24
- Credit Cost improved by 43 bps YoY to 28% in Jun’25 from 0.71% in Jun’24
- Capital Adequacy Ratio stood at 80%. CET-I at 15.26% and Tier I Capital stood at 15.74% in Jun’25
Earnings Per Share (EPS) increased by 23.69% to ₹88.28 in Jun’25 from ₹71.37 in Jun’24
• Net Profit increased to ₹2973 Cr in Jun’25 from ₹2956 Cr in Mar’25
• Credit Cost improved by 53 bps QoQ to 0.28% in Jun’25 from 0.81% in Mar’25
• Domestic Net Interest Margin (NIM) stood at 3.35% in Jun’25
• Cost to Income ratio stood at 45.78% in Jun’25
• Book Value per Share increased to ₹448.29 in Jun’25 from ₹423.39 in Mar’25
• GNPA decreased by 8 bps QoQ to 3.01% in Jun’25 from 3.09% in Mar’25, NNPA reduced by 1 bps to 0.18% in Jun’25 from 0.19% in Mar’25
Network:
- The Bank has 5909 domestic branches (including 3 DBUs), out of which 1993 are Rural, 1560 are Semi-Urban, 1185 are Urban & 1171 are in Metro category. The Bank has 3 overseas branches & 1
- The Bank has 5466 ATMs & BNAs and 15080 Business Correspondents.
Digital Banking:
- Business of ₹57,955 Cr has been generated through Digital Channelsin Q1FY26. A total of 132 Digital Journeys, Utilities and Processes have been launched so far.
- The number of Mobile Banking usershas grown by 15% year over year, reaching 02 Cr.
- UPI users and Net Banking users have witnessed an increase of 23% & 6% YoY reaching 29 Cr and 1.16 Cr respectively. The debit card & credit card users increased by 4% and 19% respectively.
Awards & Accolades:
- Indian Bank was the winner in the Overall Data Quality Recognition category at the EASE 7.0 Awards, part of the Enhanced Access and Service Excellence initiative by the Ministry of Finance.
- Indian Bank secured 3rd position in the Digital Payments Awards 2023-24, presented by the Ministry of Finance, for outstanding performance in Digital Payments (PSB). The Bank also received award for merchant onboarding in difficult geographies and remote areas (PSBs) under Special Mention.
- The Bank received prestigious SKOCH Award for “Project WAVE”, an Indian Bank’s digital transformation journey and for “SMA Collection Proclivity Predictor”– a model built to predict the probability of default for Special Mention Accounts (SMA) and reduce risks by outlining a targeted collection journey.
- The Bank was honoured with the “Best Public Sector Bank” award in the organisational category and the MD & CEO of the Bank received “CEO of the Year” award at Tamil Nadu Leadership Awards 2024.
Our Focus
The Bank is committed to drive digital innovation, strengthen financial inclusion and enhance customer experience. With a robust capital base and improved asset quality, we are well-positioned to support inclusive economic growth. Our focus remains on empowering MSMEs, farmers and underserved communities through accessible and technology-enabled banking solutions.