Indian Bank

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

₹ 854 0.51%
04 Nov - close price
indianbank.in BSE: 532814 NSE: INDIANB F&O
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 F&O
  • Market Cap ₹ 1,15,031 Cr.
  • Current Price ₹ 854
  • High / Low ₹ 1,001 / 764
  • Stock P/E 8.92
  • Book Value ₹ 631
  • Dividend Yield 2.14 %
  • ROCE 6.32 %
  • ROE 16.5 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 32.2% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 20.1%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 11.5% over past five years.
  • Contingent liabilities of Rs.2,66,229 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 Dollex 200 BSE PSU Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
13,743 14,198 14,624 15,039 15,348 15,759 15,856 16,283 16,590 17,098 17,480 18,090 19,106
Interest 8,003 8,383 8,609 8,861 9,153 9,345 9,467 9,924 10,039 10,202 10,371 10,655 11,387
4,981 4,968 5,221 4,840 4,987 4,877 4,909 4,718 4,940 5,295 5,549 5,707 6,804
Financing Profit 759 846 795 1,338 1,207 1,538 1,481 1,641 1,611 1,601 1,560 1,728 915
Financing Margin % 6% 6% 5% 9% 8% 10% 9% 10% 10% 9% 9% 10% 5%
1,993 1,902 2,263 1,906 2,422 2,153 2,743 2,439 2,487 2,566 2,500 2,633 3,953
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,752 2,748 3,057 3,243 3,629 3,690 4,224 4,079 4,098 4,167 4,060 4,362 4,868
Tax % 28% 23% 26% 26% 25% 23% 30% 27% 26% 27% 24% 25% 29%
1,988 2,119 2,247 2,403 2,706 2,852 2,956 2,973 3,018 3,061 3,103 3,273 3,462
EPS in Rs 15.96 15.73 16.68 17.84 20.09 21.18 21.95 22.07 22.41 22.73 23.04 24.30 25.70
Gross NPA % 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 % 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%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
15,853 16,244 16,040 17,114 19,185 21,405 39,106 38,856 44,942 55,615 62,002 67,451 71,774
Interest 11,392 11,798 10,894 10,850 12,167 13,799 23,440 22,128 24,717 32,342 36,826 40,536 42,615
4,218 5,122 5,433 7,357 8,358 9,233 17,778 19,842 20,925 19,665 19,081 19,905 23,355
Financing Profit 243 -676 -287 -1,093 -1,340 -1,626 -2,112 -3,114 -700 3,609 6,096 7,010 5,804
Financing Margin % 2% -4% -2% -6% -7% -8% -5% -8% -2% 6% 10% 10% 8%
1,363 1,781 2,211 2,406 1,883 3,312 5,650 6,915 7,143 7,867 9,223 9,991 11,652
Depreciation 138 151 166 236 259 314 633 598 529 524 532 596 0
Profit before tax 1,469 955 1,758 1,076 284 1,373 2,906 3,204 5,914 10,951 14,787 16,404 17,456
Tax % 32% 26% 20% -17% -13% 45% -3% -23% 11% 26% 26% 26%
1,005 711 1,406 1,259 322 753 3,005 3,945 5,282 8,063 10,918 12,156 12,900
EPS in Rs 20.93 14.81 29.27 26.21 6.70 12.37 26.61 31.67 42.41 59.86 81.06 90.24 95.77
Dividend Payout % 20% 10% 20% 0% 0% 0% 8% 21% 20% 20% 20% 20%
Compounded Sales Growth
10 Years: 15%
5 Years: 12%
3 Years: 14%
TTM: 11%
Compounded Profit Growth
10 Years: 33%
5 Years: 32%
3 Years: 32%
TTM: 9%
Stock Price CAGR
10 Years: 15%
5 Years: 38%
3 Years: 27%
1 Year: -2%
Return on Equity
10 Years: 12%
5 Years: 15%
3 Years: 16%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 480 480 480 480 480 609 1,129 1,245 1,245 1,347 1,347 1,347 1,347
Reserves 14,615 15,779 16,682 17,968 18,908 21,480 37,283 42,463 46,727 57,041 67,963 76,944 83,610
Deposits 170,225 178,286 182,509 208,294 242,076 260,226 538,071 593,618 621,166 688,000 737,154 827,726 874,036
Borrowing 1,646 3,509 12,637 19,760 12,138 20,830 24,734 17,209 22,073 23,131 41,508 46,692 77,195
5,869 5,655 5,925 6,213 6,463 6,323 22,209 17,132 19,289 23,100 25,439 35,243 34,552
Total Liabilities 192,836 203,710 218,233 252,716 280,065 309,468 623,427 671,668 710,501 792,619 873,411 987,953 1,070,740
2,963 3,503 3,432 3,418 3,961 3,895 7,375 7,680 7,455 7,499 8,796 8,613 8,551
CWIP 5 8 11 1 1 1 1 4 4 16 31 34 0
Investments 45,728 53,089 67,552 71,398 64,992 81,242 176,537 174,559 185,988 212,554 225,303 244,666 254,758
144,139 147,110 147,239 177,900 211,112 224,331 439,513 489,426 517,053 572,549 639,281 734,640 807,431
Total Assets 192,836 203,710 218,233 252,716 280,065 309,468 623,427 671,668 710,501 792,619 873,411 987,953 1,070,740

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
5,139 -931 -10,819 -3,676 6,268 -8,401 38,979 28,732 -27,943 -8,613 17,351 18,785
-236 -772 -179 -214 -176 -247 -543 -299 -297 -605 -329 -414
-2,312 620 9,041 6,776 1,000 2,552 1,866 19 -1,543 1,195 -4,264 -7,649
Net Cash Flow 2,591 -1,082 -1,958 2,886 7,093 -6,096 40,302 28,452 -29,783 -8,023 12,759 10,722
Free Cash Flow 4,902 -1,702 -10,998 -3,890 6,020 -8,648 38,436 28,432 -28,247 -9,221 17,020 18,369

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 7% 5% 8% 7% 2% 4% 10% 10% 12% 15% 17% 16%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CASA Ratio (Domestic)
%

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Credit-Deposit (CD) Ratio
%
Gross NPA (GNPA)
%
Number of Domestic Branches
Number
Total Business
₹ Crore
Slippage Ratio
%
RAM Share of Domestic Advances
%
Mobile Banking Users
Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84% 73.84%
5.89% 5.29% 5.38% 4.99% 4.78% 4.74% 4.54% 4.68% 5.64% 5.82% 6.16% 6.87%
15.84% 16.95% 16.87% 17.35% 17.64% 17.78% 18.05% 18.62% 17.82% 17.75% 17.03% 16.77%
4.44% 3.93% 3.90% 3.82% 3.75% 3.65% 3.56% 2.86% 2.71% 2.58% 2.98% 2.54%
No. of Shareholders 3,12,7703,08,1653,21,7123,25,4493,19,7053,17,4813,31,9043,16,2073,25,2193,19,8973,18,2313,11,089

* 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.

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