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 ₹ 85,081 Cr.
- Current Price ₹ 632
- High / Low ₹ 658 / 474
- Stock P/E 7.56
- Book Value ₹ 531
- Dividend Yield 2.57 %
- ROCE 6.38 %
- ROE 17.1 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.19 times its book value
- Company has delivered good profit growth of 67.2% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 19.3%
Cons
- Company has low interest coverage ratio.
- Contingent liabilities of Rs.2,94,918 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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15,249 | 15,853 | 16,244 | 16,039 | 17,115 | 19,182 | 21,401 | 39,108 | 38,888 | 44,985 | 55,650 | 62,039 | |
Interest | 10,887 | 11,390 | 11,795 | 10,891 | 10,851 | 12,167 | 13,798 | 23,439 | 22,129 | 24,717 | 32,341 | 36,826 |
4,158 | 4,219 | 5,128 | 6,144 | 6,998 | 8,289 | 9,238 | 18,029 | 20,285 | 21,577 | 20,342 | 19,818 | |
Financing Profit | 204 | 245 | -679 | -996 | -734 | -1,273 | -1,634 | -2,360 | -3,526 | -1,309 | 2,967 | 5,395 |
Financing Margin % | 1% | 2% | -4% | -6% | -4% | -7% | -8% | -6% | -9% | -3% | 5% | 9% |
1,378 | 1,372 | 1,789 | 2,222 | 2,417 | 1,891 | 3,326 | 6,111 | 7,380 | 7,804 | 8,582 | 10,011 | |
Depreciation | 105 | 139 | 151 | 166 | 237 | 259 | 314 | 637 | 601 | 532 | 531 | 543 |
Profit before tax | 1,476 | 1,478 | 958 | 1,060 | 1,445 | 359 | 1,377 | 3,115 | 3,253 | 5,963 | 11,017 | 14,864 |
Tax % | 21% | 31% | 25% | -33% | 13% | 11% | 45% | 3% | -23% | 11% | 26% | 26% |
1,189 | 1,051 | 752 | 1,455 | 1,311 | 381 | 862 | 3,151 | 4,144 | 5,574 | 8,423 | 11,264 | |
EPS in Rs | 25.58 | 21.84 | 15.64 | 30.25 | 27.29 | 7.91 | 14.15 | 27.88 | 33.26 | 44.74 | 62.51 | 83.61 |
Dividend Payout % | 18% | 19% | 10% | 20% | 0% | 0% | 0% | 7% | 20% | 19% | 19% | 19% |
Compounded Sales Growth | |
---|---|
10 Years: | 15% |
5 Years: | 24% |
3 Years: | 17% |
TTM: | 11% |
Compounded Profit Growth | |
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10 Years: | 27% |
5 Years: | 67% |
3 Years: | 40% |
TTM: | 34% |
Stock Price CAGR | |
---|---|
10 Years: | 17% |
5 Years: | 59% |
3 Years: | 53% |
1 Year: | 13% |
Return on Equity | |
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10 Years: | 11% |
5 Years: | 13% |
3 Years: | 15% |
Last Year: | 17% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 13,559 | 14,549 | 16,010 | 16,954 | 18,235 | 19,235 | 22,159 | 38,329 | 43,706 | 48,261 | 58,901 | 70,166 |
Deposits | 162,255 | 169,204 | 178,259 | 182,480 | 208,262 | 242,041 | 260,184 | 538,030 | 593,571 | 621,123 | 687,953 | 737,098 |
Borrowing | 4,964 | 2,646 | 3,509 | 12,637 | 19,760 | 12,138 | 20,830 | 24,763 | 17,218 | 22,092 | 23,143 | 41,552 |
6,145 | 6,156 | 5,683 | 5,957 | 6,244 | 6,494 | 6,359 | 23,285 | 18,356 | 20,612 | 24,365 | 26,875 | |
Total Liabilities | 187,388 | 193,036 | 203,941 | 218,507 | 252,981 | 280,388 | 310,141 | 625,535 | 674,096 | 713,334 | 795,709 | 877,039 |
2,935 | 2,969 | 3,508 | 3,436 | 3,421 | 3,964 | 3,898 | 7,392 | 7,694 | 7,472 | 7,538 | 8,854 | |
CWIP | 3 | 5 | 8 | 11 | 1 | 1 | 1 | 0 | 5 | 9 | 2 | 3 |
Investments | 46,935 | 46,060 | 53,283 | 67,781 | 71,619 | 65,272 | 81,871 | 178,292 | 176,502 | 188,366 | 215,242 | 228,421 |
137,515 | 144,001 | 147,143 | 147,280 | 177,940 | 211,152 | 224,371 | 439,850 | 489,896 | 517,487 | 572,927 | 639,760 | |
Total Assets | 187,388 | 193,036 | 203,941 | 218,507 | 252,981 | 280,388 | 310,141 | 625,535 | 674,096 | 713,334 | 795,709 | 877,039 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-725 | 5,136 | -931 | -10,814 | -3,676 | 6,270 | -8,396 | 17,231 | 28,750 | -27,894 | -8,617 | 17,396 | |
-147 | -236 | -772 | -179 | -214 | -176 | -247 | 21,233 | -305 | -314 | -618 | -348 | |
1,727 | -2,312 | 620 | 9,041 | 6,776 | 1,000 | 2,552 | 1,866 | 18 | -1,543 | 1,195 | -4,264 | |
Net Cash Flow | 855 | 2,588 | -1,082 | -1,952 | 2,886 | 7,094 | -6,091 | 40,329 | 28,464 | -29,751 | -8,040 | 12,784 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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% | 9% | 7% | 2% | 4% | 10% | 10% | 12% | 15% | 17% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
6h - Post Earnings Call / Conference Call with Investors / Analysts: Unaudited (Reviewed) Financial Results (Standalone & Consolidated) of the Bank for the First Quarter of …
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Board Meeting Intimation for Consideration And Approval For Financial Result Of The Bank For The First Quarter Of FY 2025-26 Ended On 30Th June 2025
15 Jul - Board meeting on 24 July 2025 to approve Q1 FY26 unaudited financial results; trading window reopens 27 July.
- Copy Of Minutes Of Annual General Meeting Of The Bank Held On 17 June 2025 15 Jul
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
8 Jul - Confirmation Certificate from RTA under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018
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Provisional Business Figures Of The Bank
2 Jul - Indian Bank reports 10.2% YoY business growth; deposits and advances up as of June 30, 2025.
Annual reports
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Financial Year 2025
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Financial Year 2024
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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
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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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]