INDIANB

Indian Bank

Public sector bank — corporate, retail, agricultural and MSME banking, plus treasury

Financial Services›Financial Services›Banks›Public Sector Bank

indianbank.bank.in(opens the company website in a new tab)
Ask AI

Key metrics

Price as of 2026-10-16

Stock price
₹854.10
Market cap
1,15,044 Cr
Stock P/E
8.7
P/B
1.32
Dividend yield
2.1%
ROE (FY26)
16.0%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

Loading price history…

Compare with peers

Loading peers…

What you need to know

Indian Bank is a public sector bank that lends to corporates, retail customers, farmers and small businesses, takes deposits and runs a treasury, competing with other public sector and private banks across India.

Company snapshot

5thBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 41.7% of revenue

SegmentRevenue shareRevenuePBTAssets
CORPORATE / WHOLESALE BANKING
32.9%
5,899 Cr1,367 Cr2,63,268 Cr
OTHER BANKING OPERATIONS
1.3%
240 Cr195 Cr0 Cr
RETAIL BANKING
41.7%
7,465 Cr1,710 Cr3,14,234 Cr
TREASURY OPERATIONS
24.0%
4,308 Cr1,478 Cr2,39,952 Cr

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income5,819 Cr6,024 Cr6,180 Cr6,216 Cr6,425 Cr6,393 Cr6,361 Cr6,589 Cr6,899 Cr7,117 Cr7,438 Cr7,760 Cr
Other income2,113 Cr2,432 Cr2,077 Cr2,602 Cr2,397 Cr2,935 Cr2,621 Cr2,643 Cr2,793 Cr2,773 Cr2,902 Cr4,187 Cr
Net operating income7,932 Cr8,456 Cr8,257 Cr8,818 Cr8,822 Cr9,327 Cr8,982 Cr9,231 Cr9,692 Cr9,889 Cr10,341 Cr11,947 Cr
Employee cost2,350 Cr2,647 Cr2,317 Cr2,481 Cr2,442 Cr2,734 Cr2,645 Cr2,681 Cr2,814 Cr2,741 Cr3,099 Cr3,068 Cr
Other expenses1,458 Cr1,481 Cr1,416 Cr1,563 Cr1,600 Cr1,569 Cr1,544 Cr1,689 Cr1,822 Cr1,842 Cr1,654 Cr1,800 Cr
Provisions & contingencies1,349 Cr1,251 Cr1,261 Cr1,099 Cr1,060 Cr794 Cr691 Cr739 Cr857 Cr1,228 Cr1,194 Cr2,231 Cr
Depreciation————————————
Profit before tax2,774 Cr3,078 Cr3,263 Cr3,674 Cr3,721 Cr4,230 Cr3,335 Cr4,123 Cr4,199 Cr4,078 Cr4,394 Cr4,848 Cr
Tax %23.0%26.6%25.9%25.4%22.7%30.0%33.5%26.3%26.5%23.6%24.9%28.9%
Net profit2,207 Cr2,296 Cr2,571 Cr2,801 Cr2,910 Cr2,982 Cr2,277 Cr3,109 Cr3,148 Cr3,174 Cr3,357 Cr3,541 Cr
EPS (₹)₹17.46₹17.04₹19.08₹20.79₹21.60₹22.14₹16.90₹23.07₹23.36₹23.56₹24.92₹26.29

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income5,148 Cr6,264 Cr7,015 Cr7,604 Cr15,669 Cr16,732 Cr20,268 Cr23,309 Cr25,213 Cr26,965 CrSign in free for the trailing twelve months
Other income2,222 Cr2,417 Cr1,891 Cr3,326 Cr6,540 Cr7,407 Cr7,805 Cr8,582 Cr10,011 Cr10,829 CrSign in free for the trailing twelve months
Net operating income7,370 Cr8,681 Cr8,907 Cr10,929 Cr22,210 Cr24,139 Cr28,072 Cr31,891 Cr35,225 Cr37,794 CrSign in free for the trailing twelve months
Employee cost——2,228 Cr2,478 Cr6,412 Cr6,738 Cr7,579 Cr9,320 Cr9,975 Cr10,880 CrSign in free for the trailing twelve months
Other expenses——1,801 Cr1,954 Cr4,378 Cr4,615 Cr5,146 Cr5,633 Cr6,149 Cr6,898 CrSign in free for the trailing twelve months
Provisions & contingencies——4,595 Cr5,118 Cr8,495 Cr9,522 Cr9,358 Cr5,894 Cr4,214 Cr3,515 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax——283 Cr1,378 Cr2,925 Cr3,263 Cr5,990 Cr11,044 Cr14,887 Cr15,735 CrSign in free for the trailing twelve months
Tax %——-13.3%45.0%-3.1%-22.4%11.0%26.4%26.1%27.2%Sign in free for the trailing twelve months
Net profit1,455 Cr1,311 Cr381 Cr862 Cr3,151 Cr4,144 Cr5,574 Cr8,423 Cr11,264 Cr11,707 CrSign in free for the trailing twelve months
EPS (₹)₹30.25₹27.29₹7.91₹16.38₹27.88₹33.99₹44.74₹66.03₹83.61₹86.89Sign in free for the trailing twelve months
Dividend payout %————0.0%6.0%14.5%12.7%14.3%18.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital480 Cr480 Cr480 Cr609 Cr1,129 Cr1,245 Cr1,245 Cr1,347 Cr1,347 Cr1,347 Cr
Reserves16,954 Cr18,235 Cr19,235 Cr22,159 Cr38,329 Cr43,706 Cr48,261 Cr52,926 Cr62,965 Cr71,628 Cr
Borrowings12,637 Cr19,760 Cr12,138 Cr20,830 Cr26,203 Cr17,153 Cr22,092 Cr23,143 Cr41,552 Cr46,807 Cr
Other liabilities1,88,437 Cr2,14,506 Cr2,48,535 Cr2,66,543 Cr5,62,452 Cr6,11,992 Cr6,41,735 Cr7,18,293 Cr7,71,174 Cr8,71,771 Cr
Total liabilities2,18,507 Cr2,52,981 Cr2,80,388 Cr3,10,141 Cr6,28,114 Cr6,74,096 Cr7,13,334 Cr7,95,709 Cr8,77,039 Cr9,91,553 Cr
Fixed assets (net)3,447 Cr3,422 Cr3,965 Cr3,899 Cr7,393 Cr7,699 Cr7,481 Cr7,540 Cr8,857 Cr8,677 Cr
CWIP——————————
Investments67,781 Cr71,619 Cr65,272 Cr81,871 Cr1,78,292 Cr1,76,502 Cr1,88,366 Cr2,15,242 Cr2,28,421 Cr2,47,682 Cr
Loans & advances1,27,708 Cr1,56,569 Cr1,81,262 Cr1,97,887 Cr3,64,010 Cr3,89,186 Cr4,49,294 Cr5,14,889 Cr5,71,071 Cr6,54,888 Cr
Cash & bank5,589 Cr10,502 Cr11,702 Cr5,736 Cr27,545 Cr24,054 Cr32,693 Cr32,703 Cr31,948 Cr34,055 Cr
Other assets13,983 Cr10,870 Cr18,188 Cr20,748 Cr50,873 Cr76,655 Cr35,500 Cr25,335 Cr36,742 Cr46,251 Cr
Total assets2,18,507 Cr2,52,981 Cr2,80,388 Cr3,10,141 Cr6,28,114 Cr6,74,096 Cr7,13,334 Cr7,95,709 Cr8,77,039 Cr9,91,553 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity————17,065 Cr28,750 Cr-27,894 Cr-8,617 Cr17,396 Cr18,815 Cr
Cash from investing————-545 Cr-305 Cr-314 Cr-618 Cr-348 Cr-428 Cr
Cash from financing————23,643 Cr18 Cr-1,543 Cr1,195 Cr-4,264 Cr-7,649 Cr
Net cash flow————40,163 Cr28,464 Cr-29,751 Cr-8,040 Cr12,784 Cr10,738 Cr
Free cash flow (OCF − Capex)————16,504 Cr28,427 Cr-28,228 Cr-9,244 Cr16,856 Cr18,361 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8.3%7.0%1.9%3.8%8.0%9.2%11.3%15.5%17.5%16.0%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——13,353 Cr14,151 Cr38,480 Cr35,214 Cr28,180 Cr21,106 Cr18,179 Cr13,190 Cr
Gross NPA %7.5%7.4%7.1%6.9%9.9%8.5%5.9%4.0%3.1%2.0%
Net NPA——6,793 Cr6,184 Cr12,271 Cr8,849 Cr4,043 Cr2,223 Cr1,110 Cr965 Cr
Net NPA %4.4%3.8%3.8%3.1%3.4%2.3%0.9%0.4%0.2%0.1%
CET1 %11.8%11.0%11.0%11.8%11.6%12.5%12.9%13.5%15.4%16.4%
Additional Tier 1 %0.4%0.3%0.3%0.3%0.7%0.6%0.6%0.5%0.5%0.0%
ROA %0.7%0.5%0.1%0.3%0.5%0.6%0.8%1.1%1.3%1.3%