Indian Bank

Indian Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Indian Bank

₹ 598 0.45%
27 May - close price
indianbank.in BSE: 532814 NSE: INDIANB
About

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]

Key Points

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]

Website BSE NSE
  • Market Cap ₹ 80,501 Cr.
  • Current Price ₹ 598
  • High / Low ₹ 633 / 474
  • Stock P/E 7.37
  • Book Value ₹ 515
  • Dividend Yield 2.72 %
  • ROCE 6.38 %
  • ROE 17.1 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.16 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

Sector: Banks Industry: Banks - Public Sector

Part of BSE 500 BSE 200 BSE PSU Nifty 500 BSE MidCap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
9,832 10,154 10,710 11,834 12,244 13,049 13,743 14,198 14,624 15,039 15,348 15,759 15,856
Interest 5,577 5,620 6,026 6,335 6,736 7,346 8,003 8,383 8,609 8,861 9,153 9,345 9,467
5,004 4,793 4,941 5,670 6,050 5,019 4,981 4,968 5,221 4,840 4,987 4,877 4,909
Financing Profit -749 -259 -257 -171 -541 684 759 846 795 1,338 1,207 1,538 1,481
Financing Margin % -8% -3% -2% -1% -4% 5% 6% 6% 5% 9% 8% 10% 9%
1,573 1,605 1,828 1,716 1,994 1,710 1,993 1,902 2,263 1,906 2,422 2,153 2,743
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 824 1,345 1,571 1,546 1,453 2,394 2,752 2,748 3,057 3,243 3,629 3,690 4,224
Tax % -19% 10% 22% 10% 0% 29% 28% 23% 26% 26% 25% 23% 30%
984 1,213 1,225 1,396 1,447 1,709 1,988 2,119 2,247 2,403 2,706 2,852 2,956
EPS in Rs 7.90 9.74 9.84 11.21 11.62 13.72 15.96 15.73 16.68 17.84 20.09 21.18 21.95
Gross NPA % 8.47% 8.13% 7.30% 6.53% 5.95% 5.47% 4.97% 4.47% 3.95% 3.77% 3.48% 3.26% 3.09%
Net NPA % 2.27% 2.12% 1.50% 1.00% 0.90% 0.70% 0.60% 0.53% 0.43% 0.39% 0.27% 0.21% 0.19%
Raw PDF

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: 14%
5 Years: 69%
3 Years: 54%
1 Year: 3%
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%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
79.86% 79.86% 79.86% 79.86% 79.86% 79.86% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84%
2.06% 2.60% 3.60% 4.17% 4.00% 4.33% 5.89% 5.29% 5.38% 4.99% 4.78% 4.74%
11.67% 12.09% 11.94% 11.55% 11.57% 11.76% 15.84% 16.95% 16.87% 17.35% 17.64% 17.78%
6.42% 5.45% 4.62% 4.43% 4.58% 4.05% 4.44% 3.93% 3.90% 3.82% 3.75% 3.65%
No. of Shareholders 3,35,0743,14,3113,15,0963,13,4483,14,1863,06,6493,12,7703,08,1653,21,7123,25,4493,19,7053,17,481

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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