Financial Results for the Quarter/Nine Month ended 31st December 2025
Key Highlights (Quarter endedDec’25 over Dec’24)
Financial Results for the Quarter/Nine Month ended 31st December 2025
• Net Profit up by 7.33%YoY at ₹3061Cr in Dec’25 from ₹2852 Crin Dec’24
• Operating Profitimproved by 5.79% YoY to ₹5024Crin Dec’25 from ₹4749 Cr in Dec’24
• Net Interest Income increased by 7.50% YoY to ₹6896 Crin Dec’25 from₹6415 Cr in Dec’24
• Fee based income grew by 7.20%YoY to ₹998 Crin Dec’25 from ₹931 Cr in Dec’24
• Cost of Depositreduced by 25 bps to 4.93% in Dec’25 from 5.18% in Dec’24
• Return on Equity (RoE)stood at19.11%inDec’25
• Return on Asset (RoA)stood at1.30% in Dec’25
• Yield on Advances (YoA)stood at 8.31% in Dec’25
• Yield on Investments (YoI)stood at6.95% in Dec’25
• Cost-to-Income Ratio stood at 46.90%in Dec’25
• Gross Advances increased by 14.24% YoY to ₹638848Crin Dec’25 from₹559199Crin Dec’24
• RAM (Retail, Agriculture & MSME) advances grew by 16.65%YoY to ₹390459 Cr in Dec’25 from ₹334739Crin Dec’24
• RAM contribution to gross domestic advances stood at66.06%. Retail, Agri& MSME advances grew by 18.54%, 15.14% and 16.41%YoY respectively. Home Loan (including mortgage)grew by 14.20% YoYin Dec’25
• Priority sector advances as a percentage of ANBC stood at43.75% (₹215127Cr)in Dec’25 as against the regulatory requirement of 40%
• Total Deposits increased by 12.62% YoY and reached to ₹790923Crin Dec’25 as against ₹702282 Cr in Dec’24. Current, Savings& CASA depositsgrew by19.13%, 8.45%,and9.86% YoY respectively
• Domestic CASA ratio stood at39.08%as on 31stDec’25
• CD ratio stood at80.77%as on 31stDec’25
• GNPA% decreased by 103 bps YoY to 2.23%in Dec’25from 3.26%inDec’24,NNPA% reduced by 6 bps to 0.15%inDec’25from 0.21% in Dec’24
• Provision Coverage Ratio (PCR, including TWO) improved by 19 bpsYoY to 98.28%in Dec’25 from 98.09% in Dec’24
• Slippage Ratioreduced by 9bps to 0.69% in Dec’25from 0.78% in Dec’24
• Capital Adequacy Ratioimproved by 66 bps to16.58%.CET-I improved by 127bps YoY to 14.54%,Tier I Capital improved by 77bps YoY to 14.54%in Dec’25
• Earnings Per Share (EPS) increasedto ₹90.92 in Dec’25 from ₹84.70in Dec’24
• Net Profitup by 1.42%QoQto₹3061Crin Dec’25 from ₹3018Cr in Sep’25
• NIM (Domestic) increased by6 bps to3.40% in Dec’25from 3.34% in Sep’25
• GNPA decreased by 37 bps to 2.23% in Dec’25 from 2.60% inSep’25,NNPA reduced by
1 bps to 0.15% inDec’25from 0.16% in Sep’25
• Slippage ratio decreased to0.69% in Dec’25 from0.79% in Sep’25.
• Credit Cost decreased by5 bps to0.21% in Dec’25 from 0.26% in Sep’25
• Net Profit up by 13.69% YoY to ₹9053 Cr in9MFY26from ₹7962Cr in 9MFY25
• Operating Profit increased by 4.66% YoY to ₹14630 Crin9MFY26 from ₹13980 Crin 9MFY25
• Net Interest Income grew by 5.42%YoY to ₹19805 Crin9MFY26 from ₹18787Cr in 9MFY25
• Net Interest Margin (NIM) Domestic stood at3.37%in 9MFY26
• Cost of Depositreduced by 10 bps to 5.02% in 9MFY26 from 5.12% in 9MFY25
• Return on Assets (RoA) improved by 1 bps to 1.32%in9MFY26 from 1.31% in 9MFY25
• Return on Equity (RoE)stood at19.66%in 9MFY26
• Cost-to-Income Ratiostood at46.40% in 9MFY26
Network:
• The Bank has 5965domestic branches (including 3 DBUs), out of which 2001 are Rural, 1592are Semi-Urban, 1191are Urban &1181 are in Metro category. The Bank has3 overseas branches&1 IBU (Gift City Branch).
• The Bank has 5624ATMs & BNAs and 16,247number of Business Correspondents (BCs).
Digital Banking:
• Business of ₹1,98,350 Cr has been generated through Digital Channels in 9MFY26. A total of 147Digital Journeys, Utilities and Processes have been launched so far.
• Number of Mobile Banking users has grown by 21% year over year, reaching 2.25 Cr.
• UPI users and Net Banking users have witnessed an increase of 21% &5% YoY reaching 2.52 Cr and 1.18 Cr respectively. Debit card &POS users increased by 7%& 15% respectively.
Awards & Accolades:
• The Bank received prestigious SKOCH Golden Award for “IB SAATHI” andSilver Award for “Security Operations”.
• The MD & CEO of the Bank received “CEO of the Year”award at Tamil Nadu Business Leader of the Year, Industry-wise Awards 2025.
• Bank has received Special Mention under Best IT Risk Management & Best Technology Bank at IBA’s 21st Annual Banking Technology Conference 2024-25.
• The Bank received “Red Hat APAC Innovation Award 2025” for Cloud Native Development.
• The Bank received the VMware- IndiaCloud LeaderAward2025in recognition of its leadership in cloud technology and innovation.
• Indian Bank has received “NarakasRajbhashaSamman” (Third Prize in Region ‘C’) from the Department of Official Language, Ministry of Home Affairs, GoI.
• The Executive Director, Shri Brajesh Kumar Singh and Chief General Manager Shri Sudhir Kumar Gupta received “Executive of the Year” and “Chief General Manager of the Year” respectively at UP Banking Leadership Summit & Awards 2025 ceremony.
Our Focus
Our focus is on building efficiency across operations to deliver faster, simpler, and more reliable banking experiences. We aim to maintain strong asset quality through prudent lending and disciplined portfolio management. We remain committed to the highest standards of governance and regulatory adherence, ensuring transparency and trust. At the core, growth will be driven by customer centric initiatives expanding digital access, strengthening CASA and MSME offerings, and providing responsive service to meet evolving needs.