Flash Finance

Indian BankINDIANBBank / NBFC

Financial Services Banks - Regional Latest results: Sep 2026 16 quarters of data
Consolidated Standalone
₹854.10
MCap ₹115,044 Cr · P/E 8.7
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹19,149 Cr
Interest Earned · Sep 2026
+15.2% YoY
₹7,080 Cr
Operating Profit · Sep 2026
+45.6% YoY
₹3,541 Cr
Net Profit · Sep 2026
+13.9% YoY
₹26.29
EPS · Sep 2026
+14.0% YoY
1.61%
Gross NPA % · Sep 2026
0.14%
Net NPA % · Sep 2026

📝 Indian Bank — results explained

Quarter ended September 2026 (Q2 FY27)

Indian Bank reported total income of ₹23,336 crore for the quarter ended September 2026 (Q2 FY27), up 21.1% from ₹19,271 crore in the same quarter last year, and up 11.1% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹19,149 crore and other income ₹4,187 crore. Net interest income (interest earned minus interest expended of ₹11,389 crore) worked out to ₹7,760 crore.

Net profit rose 13.9% year-on-year to ₹3,541 crore, from ₹3,108 crore. Earnings per share (EPS) came in at ₹26.29.

On asset quality, gross NPA stood at 1.61% and net NPA at 0.14% (gross NPA was 2.60% a year ago); the capital adequacy ratio was 16.41%.

Full year and trailing twelve months

For the full year FY26, Indian Bank posted total income of ₹78,332 crore, a growth of 8.7% over FY25, with a net profit of ₹11,705 crore (up 3.9% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹84,489 crore with a net profit of ₹13,218 crore.

Valuation snapshot

At the current price of ₹854.10, INDIANB has a market capitalisation of ₹115,044 crore and a trailing P/E of about 8.7.

Within the Banks - Regional industry, it is the 9th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 73.84%, foreign institutional investors (FIIs) 6.86%, domestic institutional investors (DIIs) 16.77%, public shareholders 2.53% of Indian Bank.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹115,044 Cr
Current Price ?
₹854.1
P/E ?
8.70below ind
Industry P/E ?
10.70
P/B ?
1.32
P/S ?
1.36
P/FCF ?
6.26
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.31
Earnings Yield ?
11.5%
Dividend Yield ?
2.15%
Profitability & Returns
Total Income (TTM) ?
₹84,489 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹13,218 Cr
EPS (TTM) ?
₹98.13
ROCE ?
N/A
ROE ?
15.2%
ROA ?
1.2%
Gross NPA % ?
1.61%
Net NPA % ?
0.14%
Growth
Total Income — latest qtr ?
₹23,336 Cr
PAT — latest qtr ?
₹3,541 Cr
YoY qtr sales growth ?
21.1%
YoY qtr profit growth ?
13.9%
Sales growth (3y) ?
14%
Sales growth (5y) ?
12%
Profit growth (3y) ?
28%
Profit growth (5y) ?
30%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
73.84%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
2.6%
Return 6 months ?
-9.1%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 11,83612,25513,05013,76414,20314,63315,04115,36915,77015,86016,28516,62817,10217,48818,09519,149 +15.2% +5.8%
Other Income 1,9262,1611,8712,1662,1132,4322,0772,6022,3972,9352,6202,6432,7932,7732,9024,187 +58.4% +44.3%
Total Income 13,76214,41614,92115,92916,31517,06517,11817,97118,16818,79418,90619,27119,89520,26120,99723,336 +21.1% +11.1%
Interest Expended 6,3356,7367,3468,0038,3838,6098,8619,1549,3459,4679,92410,04010,20310,37210,65711,389 +13.4% +6.9%
Operating Profit 4,0824,0404,1584,3284,1234,3294,5244,7734,7805,0244,7924,8625,056—5,5887,080 +45.6% +26.7%
Provisions 2,5162,5621,7441,5511,3491,2511,2611,0991,060794691739857—1,1942,231 +202.1% +86.9%
Profit Before Tax 1,5671,4772,4152,7772,7743,0783,2633,6743,7214,2303,3354,1234,1994,0784,3944,848 +17.6% +10.3%
Net Profit 1,4541,4621,8502,0682,2062,2962,5702,8002,9102,9822,2763,1083,1473,1743,3573,541 +13.9% +5.5%
EPS 11.6812.2014.8516.6116.3717.0419.0820.7921.6022.1416.9023.0723.3623.5624.9226.29 +14.0% +5.5%
Gross NPA % 6.53% 5.95% 5.47% 4.97% 4.47% 3.95% 3.77% 3.48% 3.26% 3.09% 3.01% 2.60% 2.23% 1.98% 1.86% 1.61% — —
Net NPA % 1.00% 0.90% 0.70% 0.60% 0.53% 0.43% 0.39% 0.27% 0.21% 0.19% 0.18% 0.16% 0.15% 0.15% 0.15% 0.14% — —
Capital Adequacy Ratio 16.04% 16.49% 15.78% 15.53% 15.58% 16.44% 16.47% 16.55% 15.92% 17.94% 17.80% 17.31% 16.58% — 17.80% 16.41% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹62,039 Cr ₹67,504 Cr ₹71,834 Cr +8.8%
Other Income ₹10,011 Cr ₹10,829 Cr ₹12,655 Cr +8.2%
Total Income ₹72,051 Cr ₹78,332 Cr ₹84,489 Cr +8.7%
Interest Expended ₹36,826 Cr ₹40,539 Cr ₹42,620 Cr +10.1%
Net Interest Income ₹25,213 Cr ₹26,965 Cr ₹29,214 Cr +6.9%
Operating Profit ₹19,101 Cr ₹14,710 Cr ₹17,724 Cr -23.0%
Provisions ₹4,214 Cr ₹2,287 Cr ₹4,282 Cr -45.7%
Profit Before Tax ₹14,887 Cr ₹15,735 Cr ₹17,520 Cr +5.7%
Tax ₹3,893 Cr ₹3,312 Cr ₹3,610 Cr -14.9%
Net Profit ₹11,261 Cr ₹11,705 Cr ₹13,218 Cr +3.9%
EPS ₹83.61 ₹86.89 ₹98.13 +3.9%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 1,2451,3471,3471,3471,347 -0.0%
Reserves 48,26158,90170,16678,69685,515 +8.7%
Deposits 621,123687,953737,098827,654873,958 +5.6%
Borrowing 22,09223,14341,55246,80777,299 +65.1%
Other Liabilities 20,61224,36526,87537,04936,421 -1.7%
Total Liabilities 713,334795,709877,039991,5531,074,541 +8.4%
Fixed Assets 7,4727,5388,8548,6748,577 -1.1%
CWIP 9233— —
Investments 188,366215,242228,421247,682257,964 +4.2%
Other Assets 517,487572,927639,760735,194808,000 +9.9%
Total Assets 713,334795,709877,039991,5531,074,541 +8.4%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -27,894-8,61717,39618,815 +8.2%
Cash from Investing Activity -314-618-348-428 -23.0%
Cash from Financing Activity -1,5431,195-4,264-7,649 -79.4%
Net Cash Flow -29,751-8,04012,78410,738 -16.0%
Free Cash Flow -28,208-9,23517,04818,387 +7.9%
CFO/OP -119%-24%41%40% -2.4%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity 17,845 —
Cash from Investing Activity -191 —
Cash from Financing Activity -2,458 —
Net Cash Flow 15,196 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 12%15%17%15% -11.8%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 73.84%73.84%73.84%73.84%73.84%73.84% +0.0%
FIIs 4.54%4.68%5.64%5.82%6.16%6.86% +11.4%
DIIs 18.05%18.62%17.82%17.75%17.03%16.77% -1.5%
Public 3.56%2.86%2.71%2.58%2.97%2.53% -14.8%
No. of Shareholders 3,31,9043,16,2073,25,2193,19,8973,18,2313,11,089 -2.2%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.8 495,517 79,736 18.7% 16.1% 5.2% 8.4% 0.0% 18.4%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.9 203,498 52,183 27.0% 25.6% 4.7% 6.2% 5.4% 15.9%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 13.9 165,024 27,813 21.4% 16.9% 4.0% -5.8% 7.0% 22.2%
6 UNIONBANK Union Bank ₹178.20 136,031 6.6 129,552 20,644 11.5% 15.9% -0.6% 7.8% 1.0% 27.4%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 9.6 35,766 9,327 20.4% 26.1% 4.6% 21.5% 1.6% 5.5%
12 FEDERALBNK Federal Bank ₹344.50 85,094 16.4 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 AUBANK AU Small ₹1,058.90 79,356 27.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
14 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
15 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
16 YESBANK Yes Bank ₹23.40 73,449 19.7 37,788 3,775 11.3% 10.0% 0.6% 43.5% 5.3% 32.5%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 BANDHANBNK Bandhan Bank ₹176.52 28,440 23.2 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
24 CENTRALBK Central Bank ₹30.82 27,896 6.1 42,854 4,568 9.3% 10.7% 7.5% 14.9% 2.9% 3.2%
25 CUB City Union ₹227.90 22,580 17.0 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was Indian Bank's total income in Q2 FY27?
Indian Bank reported total income of ₹23,336 crore for the quarter ended September 2026 (Q2 FY27), up 21.1% from ₹19,271 crore in the same quarter last year, and up 11.1% sequentially over the June 2026 quarter.
What was Indian Bank's net profit in Q2 FY27?
Net profit rose 13.9% year-on-year to ₹3,541 crore, from ₹3,108 crore. Earnings per share (EPS) came in at ₹26.29.
What is INDIANB's market capitalisation and P/E ratio?
At the current price of ₹854.10, INDIANB has a market capitalisation of ₹115,044 crore and a trailing P/E of about 8.7.
What are Indian Bank's NPA levels?
On asset quality, gross NPA stood at 1.61% and net NPA at 0.14% (gross NPA was 2.60% a year ago); the capital adequacy ratio was 16.41%.
Who owns Indian Bank? (shareholding pattern)
As of Sep 2026, promoters held 73.84%, foreign institutional investors (FIIs) 6.86%, domestic institutional investors (DIIs) 16.77%, public shareholders 2.53% of Indian Bank.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI