FINANCE

Indian Bank Reports Strong Q1 FY26 Results

Chennai: Indian Bank has announced its unaudited standalone and consolidated financial results for the first quarter of Fiscal Year 2025-26, ending June 30, 2025. The Board of Directors approved the results in a meeting held on July 24, 2025.

Key Highlights

  • Net Profit: ₹2,973 crore, up 23.69% year-over-year from ₹2,403 crore in Q1 FY25
  • Operating Profit: ₹4,770 crore, up 5.97% year-over-year from ₹4,502 crore in Q1 FY25
  • Net Interest Income: ₹6,359 crore, up 2.93% year-over-year from ₹6,178 crore in Q1 FY25
  • Return on Assets (RoA): 1.34%, up 14 bps from 1.20% in Q1 FY25
  • Return on Equity (ROE): 20.26%, up 50 bps from 19.76% in Q1 FY25

Asset Quality and Capital Adequacy

  • Gross NPA: 3.01%, down 76 bps year-over-year from 3.77% in Q1 FY25
  • Net NPA: 0.18%, down 21 bps year-over-year from 0.39% in Q1 FY25
  • Provision Coverage Ratio (PCR): 98.20%, up 154 bps year-over-year from 96.66% in Q1 FY25
  • Capital Adequacy Ratio: 17.80%, with CET-1 at 15.26% and Tier I Capital at 15.74%

Business Growth

  • Gross Advances: ₹6,01,147 crore, up 11.50% year-over-year from ₹5,39,123 crore in Q1 FY25
  • RAM Advances: ₹3,63,221 crore, up 15.93% year-over-year from ₹3,13,301 crore in Q1 FY25
  • Total Deposits: ₹7,44,289 crore, up 9.26% year-over-year from ₹6,81,183 crore in Q1 FY25

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