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

₹ 830 2.72%
09 Oct - 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 ₹ 1,11,771 Cr.
  • Current Price ₹ 830
  • High / Low ₹ 1,001 / 756
  • Stock P/E 8.74
  • Book Value ₹ 623
  • Dividend Yield 2.20 %
  • ROCE 6.32 %
  • ROE 15.4 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 30.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 19.9%

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.2,66,319 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
13,050 13,764 14,203 14,633 15,041 15,369 15,770 15,860 16,285 16,628 17,102 17,488 18,095
Interest 7,346 8,003 8,383 8,609 8,861 9,154 9,345 9,467 9,924 10,040 10,203 10,372 10,657
5,161 5,150 5,158 5,378 4,994 5,144 5,102 5,097 4,880 5,108 5,492 5,811 5,946
Financing Profit 543 611 661 646 1,186 1,072 1,323 1,295 1,481 1,480 1,407 1,305 1,492
Financing Margin % 4% 4% 5% 4% 8% 7% 8% 8% 9% 9% 8% 7% 8%
1,871 2,166 2,113 2,432 2,077 2,602 2,397 2,935 1,854 2,643 2,793 2,773 2,902
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,415 2,777 2,774 3,078 3,263 3,674 3,721 4,230 3,335 4,123 4,199 4,078 4,394
Tax % 29% 28% 23% 27% 26% 25% 23% 30% 33% 26% 27% 24% 25%
1,850 2,069 2,207 2,296 2,571 2,801 2,910 2,982 2,277 3,109 3,148 3,174 3,357
EPS in Rs 14.85 16.61 16.37 17.04 19.08 20.79 21.60 22.14 16.90 23.07 23.36 23.56 24.92
Gross NPA % 5.47% 4.97% 4.47% 3.95% 3.77% 3.48% 3.26% 3.09% 3.01% 2.60% 2.23% 1.98% 1.86%
Net NPA % 0.70% 0.60% 0.53% 0.43% 0.39% 0.27% 0.21% 0.19% 0.18% 0.16% 0.15% 0.15% 0.15%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 16,039 17,115 19,182 21,401 39,108 38,888 44,985 55,650 62,039 67,504 69,314
Interest 11,390 11,795 10,891 10,851 12,167 13,798 23,439 22,129 24,717 32,341 36,826 40,539 41,271
4,219 5,128 6,144 6,998 8,289 9,238 18,029 20,285 21,577 20,342 19,818 20,710 22,358
Financing Profit 245 -679 -996 -734 -1,273 -1,634 -2,360 -3,526 -1,309 2,967 5,395 6,255 5,684
Financing Margin % 2% -4% -6% -4% -7% -8% -6% -9% -3% 5% 9% 9% 8%
1,372 1,789 2,222 2,417 1,891 3,326 6,111 7,380 7,804 8,582 10,011 10,829 11,110
Depreciation 139 151 166 237 259 314 637 601 532 531 543 609 0
Profit before tax 1,478 958 1,060 1,445 359 1,377 3,115 3,253 5,963 11,017 14,864 16,475 16,795
Tax % 31% 25% -33% 13% 11% 45% 3% -23% 11% 26% 26% 26%
1,051 752 1,455 1,311 381 862 3,151 4,144 5,574 8,423 11,264 11,707 12,787
EPS in Rs 21.84 15.64 30.25 27.29 7.91 14.15 27.88 33.26 44.74 62.51 83.61 86.89 94.91
Dividend Payout % 19% 10% 20% 0% 0% 0% 7% 20% 19% 19% 19% 21%
Compounded Sales Growth
10 Years: 15%
5 Years: 12%
3 Years: 14%
TTM: 10%
Compounded Profit Growth
10 Years: 32%
5 Years: 30%
3 Years: 28%
TTM: 11%
Stock Price CAGR
10 Years: 14%
5 Years: 42%
3 Years: 25%
1 Year: 7%
Return on Equity
10 Years: 12%
5 Years: 14%
3 Years: 16%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 480 480 480 480 480 609 1,129 1,245 1,245 1,347 1,347 1,347
Reserves 14,549 16,010 16,954 18,235 19,235 22,159 38,329 43,706 48,261 58,901 70,166 78,696
Deposits 169,204 178,259 182,480 208,262 242,041 260,184 538,030 593,571 621,123 687,953 737,098 827,654
Borrowing 2,646 3,509 12,637 19,760 12,138 20,830 24,763 17,218 22,092 23,143 41,552 46,807
6,156 5,683 5,957 6,244 6,494 6,359 23,285 18,356 20,612 24,365 26,875 37,049
Total Liabilities 193,036 203,941 218,507 252,981 280,388 310,141 625,535 674,096 713,334 795,709 877,039 991,553
2,969 3,508 3,436 3,421 3,964 3,898 7,392 7,694 7,472 7,538 8,854 8,674
CWIP 5 8 11 1 1 1 0 5 9 2 3 3
Investments 46,060 53,283 67,781 71,619 65,272 81,871 178,292 176,502 188,366 215,242 228,421 247,682
144,001 147,143 147,280 177,940 211,152 224,371 439,850 489,896 517,487 572,927 639,760 735,194
Total Assets 193,036 203,941 218,507 252,981 280,388 310,141 625,535 674,096 713,334 795,709 877,039 991,553

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
5,136 -931 -10,814 -3,676 6,270 -8,396 17,065 28,750 -27,894 -8,617 17,396 18,815
-236 -772 -179 -214 -176 -247 21,233 -305 -314 -618 -348 -428
-2,312 620 9,041 6,776 1,000 2,552 1,866 18 -1,543 1,195 -4,264 -7,649
Net Cash Flow 2,588 -1,082 -1,952 2,886 7,094 -6,091 40,163 28,464 -29,751 -8,040 12,784 10,738
Free Cash Flow 4,899 -1,702 -10,993 -3,890 6,021 -8,644 16,520 28,446 -28,208 -9,235 17,048 18,387
CFO/OP 44% -8% -109% -36% 58% -69% 81% 155% -119% -24% 41% 40%

Ratios

Consolidated / View Standalone

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% 9% 7% 2% 4% 10% 10% 12% 15% 17% 15%

Insights

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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
% ・Standalone data
Gross NPA (GNPA)
% ・Standalone data
Number of Domestic Branches
Number ・Standalone data
Total Business
₹ Crore ・Standalone data
Slippage Ratio
% ・Standalone data
RAM Share of Domestic Advances
% ・Standalone data
Mobile Banking Users
Crore ・Standalone data

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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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