Indian Bank
Indian Bank is a medium-sized bank which was started in 1907. It offers deposits, loans and services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. [1]
- Market Cap ₹ 82,946 Cr.
- Current Price ₹ 616
- High / Low ₹ 658 / 474
- Stock P/E 7.60
- Book Value ₹ 515
- Dividend Yield 2.64 %
- ROCE 6.38 %
- ROE 17.1 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.20 times its book value
- Company has delivered good profit growth of 70.7% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 20.1%
Cons
- Company has low interest coverage ratio.
- Contingent liabilities of Rs.2,94,836 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Banks Public Sector Bank
Part of BSE 500 BSE 200 BSE PSU Nifty 500 BSE MidCap
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
15,249 | 15,853 | 16,244 | 16,040 | 17,114 | 19,185 | 21,405 | 39,106 | 38,856 | 44,942 | 55,615 | 62,002 | |
Interest | 10,889 | 11,392 | 11,798 | 10,894 | 10,850 | 12,167 | 13,799 | 23,440 | 22,128 | 24,717 | 32,342 | 36,826 |
4,152 | 4,218 | 5,122 | 5,433 | 7,357 | 8,358 | 9,233 | 17,778 | 19,842 | 20,925 | 19,665 | 19,081 | |
Financing Profit | 209 | 243 | -676 | -287 | -1,093 | -1,340 | -1,626 | -2,112 | -3,114 | -700 | 3,609 | 6,096 |
Financing Margin % | 1% | 2% | -4% | -2% | -6% | -7% | -8% | -5% | -8% | -2% | 6% | 10% |
1,372 | 1,363 | 1,781 | 2,211 | 2,406 | 1,883 | 3,312 | 5,650 | 6,915 | 7,143 | 7,867 | 9,223 | |
Depreciation | 105 | 138 | 151 | 166 | 236 | 259 | 314 | 633 | 598 | 529 | 524 | 532 |
Profit before tax | 1,476 | 1,469 | 955 | 1,758 | 1,076 | 284 | 1,373 | 2,906 | 3,204 | 5,914 | 10,951 | 14,787 |
Tax % | 21% | 32% | 26% | 20% | -17% | -13% | 45% | -3% | -23% | 11% | 26% | 26% |
1,159 | 1,005 | 711 | 1,406 | 1,259 | 322 | 753 | 3,005 | 3,945 | 5,282 | 8,063 | 10,918 | |
EPS in Rs | 24.93 | 20.93 | 14.81 | 29.27 | 26.21 | 6.70 | 12.37 | 26.61 | 31.67 | 42.41 | 59.86 | 81.06 |
Dividend Payout % | 19% | 20% | 10% | 20% | 0% | 0% | 0% | 8% | 21% | 20% | 20% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 15% |
5 Years: | 24% |
3 Years: | 17% |
TTM: | 11% |
Compounded Profit Growth | |
---|---|
10 Years: | 27% |
5 Years: | 71% |
3 Years: | 40% |
TTM: | 35% |
Stock Price CAGR | |
---|---|
10 Years: | 15% |
5 Years: | 61% |
3 Years: | 61% |
1 Year: | 13% |
Return on Equity | |
---|---|
10 Years: | 11% |
5 Years: | 13% |
3 Years: | 15% |
Last Year: | 17% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 465 | 480 | 480 | 480 | 480 | 480 | 609 | 1,129 | 1,245 | 1,245 | 1,347 | 1,347 |
Reserves | 13,406 | 14,615 | 15,779 | 16,682 | 17,968 | 18,908 | 21,480 | 37,283 | 42,463 | 46,727 | 57,041 | 67,963 |
Deposits | 163,365 | 170,225 | 178,286 | 182,509 | 208,294 | 242,076 | 260,226 | 538,071 | 593,618 | 621,166 | 688,000 | 737,154 |
Borrowing | 3,874 | 1,646 | 3,509 | 12,637 | 19,760 | 12,138 | 20,830 | 24,734 | 17,209 | 22,073 | 23,131 | 41,508 |
6,116 | 5,869 | 5,655 | 5,925 | 6,213 | 6,463 | 6,323 | 22,209 | 17,132 | 19,289 | 23,100 | 25,439 | |
Total Liabilities | 187,226 | 192,836 | 203,710 | 218,233 | 252,716 | 280,065 | 309,468 | 623,427 | 671,668 | 710,501 | 792,619 | 873,411 |
2,929 | 2,963 | 3,503 | 3,432 | 3,418 | 3,961 | 3,895 | 7,375 | 7,680 | 7,455 | 7,499 | 8,796 | |
CWIP | 3 | 5 | 8 | 11 | 1 | 1 | 1 | 1 | 4 | 4 | 16 | 31 |
Investments | 46,810 | 45,728 | 53,089 | 67,552 | 71,398 | 64,992 | 81,242 | 176,537 | 174,559 | 185,988 | 212,554 | 225,303 |
137,484 | 144,139 | 147,110 | 147,239 | 177,900 | 211,112 | 224,331 | 439,513 | 489,426 | 517,053 | 572,549 | 639,281 | |
Total Assets | 187,226 | 192,836 | 203,710 | 218,233 | 252,716 | 280,065 | 309,468 | 623,427 | 671,668 | 710,501 | 792,619 | 873,411 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-728 | 5,139 | -931 | -10,819 | -3,676 | 6,268 | -8,401 | 38,979 | 28,732 | -27,943 | -8,613 | 17,351 | |
-147 | -236 | -772 | -179 | -214 | -176 | -247 | -543 | -299 | -297 | -605 | -329 | |
1,727 | -2,312 | 620 | 9,041 | 6,776 | 1,000 | 2,552 | 1,866 | 19 | -1,543 | 1,195 | -4,264 | |
Net Cash Flow | 852 | 2,591 | -1,082 | -1,958 | 2,886 | 7,093 | -6,096 | 40,302 | 28,452 | -29,783 | -8,023 | 12,759 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 9% | 7% | 5% | 8% | 7% | 2% | 4% | 10% | 10% | 12% | 15% | 17% |
Documents
Announcements
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Appointment/ Cessation Of Secretarial Auditor Of The Bank
2d - Indian Bank appoints M/s Shanmugam Rajendran & Associates LLP as Secretarial Auditor for FY 2025-30.
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Appointment Of M/S Shanmugam Rajendran & Associates LLP, Company Secretaries As Secretarial Auditor Of The Bank For The Financial Year 2025-26 To FY 2029-30
2d - Indian Bank appoints M/s Shanmugam Rajendran & Associates LLP as Secretarial Auditor for FY 2025-26 to FY 2029-30.
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Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
2d - Indian Bank's 19th AGM held; all agenda items passed via e-voting and during meeting.
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Shareholder Meeting / Postal Ballot-Outcome of AGM
2d - Indian Bank's 19th AGM held; all agenda items passed via remote and AGM e-voting.
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Announcement under Regulation 30 (LODR)-Interest Rates Updates
6 Jun - Indian Bank cuts repo linked lending rate to 8.20% from 8.70%, effective 09.06.2025.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from nse
Concalls
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May 2025Transcript PPT
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Feb 2025Transcript PPT REC
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Nov 2024Transcript PPT
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Aug 2024Transcript PPT
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Oct 2023TranscriptNotesPPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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May 2022Transcript PPT
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Feb 2022Transcript PPT
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Oct 2021Transcript PPT
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Jul 2021Transcript PPT
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May 2021Transcript PPT
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Jan 2021Transcript PPT
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Oct 2020Transcript PPT
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Aug 2020TranscriptPPT
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Aug 2018TranscriptNotesPPT
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Jun 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
Market Position
Indian Bank is the seventh-largest public sector bank in terms of deposits and advances after the announcement of amalgamations for other PSBs. [1]