Indian Bank — Quarter ended 31 March 2026 (Audited) and Year ended 31 March 2026 (Audited)
Optional commentary: All amounts are in crores of Indian Rupees (Rs. in crores).
| SL. No. | Particulars | Quarter ended 31.03.2026 (Audited) | Quarter ended 31.12.2025 (Reviewed) | Quarter ended 31.03.2025 (Audited) | Year ended 31.03.2026 (Audited) | Year ended 31.03.2025 (Audited) |
|---|---|---|---|---|---|---|
| 1 | Interest earned (a)+(b)+(c)+(d) | 17,480.39 | 17,097.67 | 15,855.89 | 67,450.71 | 62,002.16 |
| (a) Interest/ discount on advances/ bills | 12,702.39 | 12,448.98 | 11,456.75 | 48,853.54 | 44,856.39 | |
| (b) Income on investments | 4,105.08 | 4,002.23 | 3,903.52 | 16,068.25 | 15,315.39 | |
| (c) Interest on balances with Reserve Bank of India and other inter bank funds | 438.17 | 389.71 | 387.02 | 1,648.78 | 1,585.43 | |
| (d) Others | 234.75 | 256.75 | 108.60 | 880.14 | 244.95 | |
| 2 | Other Income | 2,499.68 | 2,565.67 | 2,743.27 | 9,990.58 | 9,223.48 |
| 3 | Total Income (1+2) | 19,980.07 | 19,663.34 | 18,599.16 | 77,441.29 | 71,225.64 |
| 4 | Interest Expended | 10,370.88 | 10,202.08 | 9,466.55 | 40,535.79 | 36,825.79 |
| 5 | Operating Expenses (a) + (b) | 4,323.46 | 4,437.68 | 4,113.94 | 16,989.40 | 15,401.65 |
| (a) Employees cost | 2,711.65 | 2,785.20 | 2,701.31 | 10,760.29 | 9,883.98 | |
| (b) Other Operating expenses | 1,611.81 | 1,652.48 | 1,412.63 | 6,229.11 | 5,517.67 | |
| 6 | Total Expenditure (4+5) (excluding provisions and contingencies) | 14,694.34 | 14,639.76 | 13,580.49 | 57,525.19 | 52,227.44 |
| 7 | Operating Profit (3-6) (Profit before Provisions and Contingencies) | 5,285.73 | 5,023.58 | 5,018.67 | 19,916.10 | 18,998.20 |
| 8 | Provisions (other than tax) and Contingencies | 1,225.76 | 857.02 | 794.60 | 3,512.38 | 4,211.27 |
| of which provisions for Non-Performing Assets | 747.69 | 315.47 | 1,099.75 | 1,832.61 | 3,444.03 | |
| 9 | Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 10 | Profit from ordinary activities before tax (7-8-9) | 4,059.97 | 4,166.56 | 4,224.07 | 16,403.72 | 14,786.93 |
| 11 | Provision for Taxes (Tax expenses/(reversal)) | 956.84 | 1,105.08 | 1,268.00 | 4,248.07 | 3,868.64 |
| 12 | Net Profit from Ordinary Activities after tax (10-11) | 3,103.13 | 3,061.48 | 2,956.07 | 12,155.65 | 10,918.29 |
| 13 | Extraordinary items (net of tax expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 14 | Net Profit for the period (12-13) | 3,103.13 | 3,061.48 | 2,956.07 | 12,155.65 | 10,918.29 |
| 15 | Paid-up equity share capital (Face Value of each share – Rs.10/-) | 1,346.96 | 1,346.96 | 1,346.96 | 1,346.96 | 1,346.96 |
| 16 | Reserves excluding Revaluation Reserves (as per balance sheet of previous accounting year) | 69,876.76 | 60,762.20 | 60,762.20 | 69,876.76 | 60,762.20 |
| 17 | Analytical Ratios | |||||
| (i) Percentage of shares held by Government of India | 73.84% | 73.84% | 73.84% | 73.84% | 73.84% | |
| (ii) Capital Adequacy Ratio (Basel III) | 17.93% | 16.58% | 17.94% | 17.93% | 17.94% | |
| (a) Common Equity Tier (CET) 1 Ratio | 16.40% | 14.54% | 15.36% | 16.40% | 15.36% | |
| (b) Additional Tier 1 Ratio | 0.00% | 0.00% | 0.49% | 0.00% | 0.49% | |
| (iii) Earnings Per Share (Rs.) (Face Value of each share – Rs.10/-) | ||||||
| (a) Basic and diluted EPS before Extraordinary items (net of tax expenses) for the period, for the year to date and for the previous year | *23.04 | *22.73 | *21.95 | 90.24 | 81.06 | |
| (b) Basic and diluted EPS after Extraordinary items for the period, for the year to date and for the previous year | *23.04 | *22.73 | *21.95 | 90.24 | 81.06 |
| Particulars | Quarter Ended 31.03.2026 (Audited) | Quarter Ended 31.12.2025 (Reviewed) | Quarter Ended 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | Year Ended 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| (iv) NPA Ratios: (a) Amount of gross non-performing assets | 13,190.02 | 14,268.38 | 18,178.86 | 13,190.02 | 18,178.86 |
| (iv) NPA Ratios: (b) Amount of net non-performing assets | 964.88 | 967.55 | 1,109.56 | 964.88 | 1,109.56 |
| (iv) NPA Ratios: (c) % of Gross NPAs | 1.98 | 2.23 | 3.09 | 1.98 | 3.09 |
| (iv) NPA Ratios: (d) % of Net NPAs | 0.15 | 0.15 | 0.19 | 0.15 | 0.19 |
| (v) Return on Assets (average) (annualised %) | 1.28 | 1.30 | 1.37 | 1.31 | 1.32 |
| (vi) Debt Equity Ratio | 0.34 | 0.28 | 0.44 | 0.34 | 0.44 |
| (vii) Total Debt to Total Assets (%) | 4.73 | 5.17 | 4.75 | 4.73 | 4.75 |
| (viii) Capital Redemption Reserve/ Debenture Redemption Reserve | NIL | NIL | NIL | NIL | NIL |
| (ix) Outstanding Redeemable Preference Shares | NIL | NIL | NIL | NIL | NIL |
| (x) Networth | 65,627.59 | 65,192.93 | 57,028.96 | 65,627.59 | 57,028.96 |
| (xi) Operating Profit Margin (%) | 26.46 | 25.55 | 26.98 | 25.72 | 26.67 |
| (xii) Net Profit Margin (%) | 15.53 | 15.57 | 15.89 | 15.70 | 15.33 |
| Name | Designation |
|---|---|
| Saket Saurav | Asst. General Manager |
| K Arbumani | Asst. General Manager |
| Santanu Bal | Dy. General Manager |
| Sunil Jain | General Manager – CFO |
| Mini T M | Executive Director |
| Brajesh Kumar Singh | Executive Director |
| Shiv Bajrang Singh | Executive Director |
| Ashutosh Choudhury | Executive Director |
| Bingo Kumar | Managing Director & CEO |
| Particulars | Quarter Ended 31.03.2026 (Audited) | 31.12.2025 (Reviewed) | 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| (a) Treasury Operations | 4,598.46 | 4,821.32 | 4,419.15 | 18,739.55 | 17,176.79 |
| (b) Corporate / Wholesale Banking | 6,680.38 | 6,406.12 | 6,010.91 | 25,027.09 | 23,857.74 |
| (c) Retail Banking | 8,265.20 | 8,170.41 | 7,743.12 | 32,213.67 | 29,125.71 |
| (i) Digital Banking Segment | 0.75 | 0.68 | 0.48 | 2.52 | 1.30 |
| (ii) Other Retail Banking Segment | 8,264.45 | 8,169.73 | 7,742.64 | 32,211.15 | 29,124.41 |
| (d) Other Banking operations | 436.03 | 265.49 | 425.98 | 1,460.98 | 1,065.40 |
| Total | 19,980.07 | 19,663.34 | 18,599.16 | 77,441.29 | 71,225.64 |
| Less : Inter segment Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income from operations | 19,980.07 | 19,663.34 | 18,599.16 | 77,441.29 | 71,225.64 |
| Particulars | Quarter Ended 31.03.2026 (Audited) | 31.12.2025 (Reviewed) | 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| (a) Treasury Operations | 1,378.43 | 1,676.70 | 1,587.12 | 6,348.84 | 6,136.63 |
| (b) Corporate / Wholesale Banking | 1,596.56 | 1,438.92 | 1,342.05 | 5,503.98 | 5,427.66 |
| (c) Retail Banking | 1,894.21 | 1,702.07 | 1,701.26 | 6,758.35 | 6,519.33 |
| (i) Digital Banking Segment | 0.39 | 0.33 | 0.18 | 1.20 | 0.26 |
| (ii) Other Retail Banking Segment | 1,893.82 | 1,701.74 | 1,701.08 | 6,757.15 | 6,519.07 |
| (d) Other Banking Operations | 416.53 | 205.89 | 388.24 | 1,304.93 | 914.58 |
| Total | 5,285.73 | 5,023.58 | 5,018.67 | 19,916.10 | 18,998.20 |
| Add: (i) Other Un-allocable Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| (ii) Exceptional item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Less: Other Un-allocated Expenditure | 1,225.76 | 857.02 | 794.60 | 3,512.38 | 4,211.27 |
| (Includes Provision & contingencies) | |||||
| III. Total Profit Before Tax | 4,059.97 | 4,166.56 | 4,224.07 | 16,403.72 | 14,786.93 |
| Less: Provisions for taxation | 956.84 | 1,105.08 | 1,268.00 | 4,248.07 | 3,868.64 |
| IV. Profit after tax | 3,103.13 | 3,061.48 | 2,956.07 | 12,155.65 | 10,918.29 |
| Particulars | Quarter Ended 31.03.2026 (Audited) | 31.12.2025 (Reviewed) | 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| (a) Treasury Operations | 294,517.21 | 281,533.19 | 264,753.70 | 294,517.21 | 264,753.70 |
| (b) Corporate / Wholesale Banking | 304,457.62 | 288,991.72 | 272,792.42 | 304,457.62 | 272,792.42 |
| (c) Retail Banking | 383,509.48 | 370,620.97 | 330,784.34 | 383,509.48 | 330,784.34 |
| (i) Digital Banking Segment | 43.20 | 39.74 | 23.85 | 43.20 | 23.85 |
| (ii) Other Retail Banking Segment | 383,466.28 | 370,581.23 | 330,760.49 | 383,466.28 | 330,760.49 |
| (d) Other Banking Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| (e) Unallocated Corporate Assets | 5,468.52 | 5,318.81 | 5,080.20 | 5,468.52 | 5,080.20 |
| Total | 987,952.83 | 946,464.69 | 873,410.66 | 987,952.83 | 873,410.66 |
| Particulars | Quarter Ended 31.03.2026 (Audited) | 31.12.2025 (Reviewed) | 31.03.2025 (Audited) | Year Ended 31.03.2026 (Audited) | 31.03.2025 (Audited) |
|---|---|---|---|---|---|
| (a) Domestic Operations | 19 |