Indian Bank Financials

NSE: INDIANB | BSE: 532814

₹932.85

₹-13.05 (-1.38%)

As on 13-Nov-2026IST

Market cap

₹1,25,389 Cr

Revenue (TTM)

₹71,835 Cr

P/E Ratio

9.5

P/B Ratio

1.6

Div. Yield

2 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Interest Earned	71,834.84	67,504.09	62,039.43	55,649.73	44,985.16	38,888.44
Other Income	12,654.53	10,828.61	10,011.45	8,581.95	7,804.50	7,379.71
Total Income	84,489.37	78,332.70	72,050.88	64,231.68	52,789.66	46,268.15
Interest Expended	42,620.36	40,538.66	36,826.25	32,340.76	24,717.29	22,129.25
Operating Expenses	18,839.03	17,777.86	16,123.15	14,952.80	12,724.76	11,353.54
Operating Profit before Prov. & Cont.	23,029.98	20,016.18	19,101.48	16,938.12	15,347.61	12,785.36
Provisions and Contingencies	5,509.97	3,541.12	4,237.97	5,920.77	9,384.42	9,532.06
Profit Before Tax	17,520.01	16,475.06	14,863.51	11,017.35	5,963.19	3,253.30
Taxes	4,572.31	4,248.07	3,868.64	2,888.20	632.71	-740.59
Profit after Tax	12,947.70	12,226.99	10,994.87	8,129.15	5,330.48	3,993.89
Minority Interest	-2.54	-2.49	-2.92	-3.11	-1.21	-2.38
Share of Associate	272.11	-520.22	269.52	293.37	243.04	150.30
Consolidated Profit	13,217.27	11,704.28	11,261.47	8,419.41	5,572.31	4,141.81

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	86,862.09	80,042.88	71,512.91	60,248.20	49,506.82	44,951.93
Minority Interest	-2.54	34.72	32.23	29.31	26.19	24.98
Deposits	8,73,958.17	8,27,654.01	7,37,098.32	6,87,953.07	6,21,123.23	5,93,570.88
Borrowings	77,299.07	46,806.57	41,552.30	23,142.88	22,092.42	17,217.52
Other Liabilities & Provisions	36,385.29	37,014.61	26,842.84	24,335.36	20,585.34	18,331.12
Total Liabilities	10,74,540.76	9,91,552.79	8,77,038.60	7,95,708.82	7,13,334.00	6,74,096.43

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash and Balance with Reserve Bank of India	32,663.91	34,054.92	31,947.65	32,702.76	32,692.73	58,554.66
Balances with Banks and Money at Call	48,231.96	31,644.77	23,013.75	9,474.15	17,524.10	21,413.56
Investments	2,57,963.87	2,47,682.04	2,28,420.86	2,15,241.82	1,88,366.28	1,76,501.61
Advances	7,11,350.39	6,54,888.23	5,71,071.18	5,14,889.07	4,49,293.95	3,89,186.07
Net Block	8,577.03	8,676.81	8,857.33	7,539.90	7,480.67	7,698.91
Other Assets	15,753.60	14,606.02	13,727.83	15,861.12	17,976.27	20,741.62
Miscellaneous Exp. Not Written Off	--	--	--	--	--	--
Total Assets	10,74,540.76	9,91,552.79	8,77,038.60	7,95,708.82	7,13,334.00	6,74,096.43

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	18,815.48	17,396.40	-8,617.26	-27,893.99	28,750.33
Cash Flow from Investing Activities	--	-428.07	-348.40	-617.70	-313.98	-304.69
Cash from Financing Activities	--	-7,649.12	-4,263.51	1,195.04	-1,543.42	18.43
Net Cash Inflow / Outflow	--	10,738.29	12,784.49	-8,039.92	-29,751.39	28,464.07

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	98.13	86.89	83.61	62.51	44.74	33.26
Cash EPS (₹)	98.13	95.30	85.66	64.30	47.07	36.89
Adjusted Book Value (₹)	592.40	541.78	477.46	402.93	348.47	311.06
Dividend per Share (₹)	1.96	18.25	16.25	12.00	8.60	6.50
Cash Flow per Share (₹)	--	139.69	129.15	-63.98	-223.97	230.84
Free Cash Flow per Share (₹)	--	90.49	59.70	-131.58	-315.52	147.80

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Yield on Advances	--	10.31	10.86	10.81	10.01	9.99
Yield on Investments	--	6.91	7.12	6.65	6.41	7.16
Interest Spread	--	5.67	6.13	6.26	6.17	6.37
NIM (%)	--	2.78	2.95	3.02	2.95	2.60
ROE (%)	15.84	17.81	18.54	16.65	12.98	10.21
ROA (%)	1.30	1.31	1.31	1.08	0.77	0.61
Cost to Income Ratio	--	47.04	45.77	46.89	45.33	47.03

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	11.30	8.81	11.48	23.71	15.68	-0.56
EBIT Growth (%)	17.07	4.79	12.77	10.36	20.04	16.32
Net Profit Growth (%)	13.38	11.21	35.25	52.50	33.47	32.44
EPS Growth (%)	17.22	3.93	33.76	39.71	34.54	19.26
Book Value Growth (%)	--	13.47	18.50	25.05	12.03	-1.82

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	9.49	9.74	6.49	8.33	6.44	4.62
Price / Book Value	1.57	1.56	1.14	1.29	0.83	0.49
Dividend Yield (%)	1.96	2.16	3.00	2.30	2.99	4.23
EV/EBITDA	6.00	8.03	6.00	5.51	3.78	2.84
Close Price (₹)	805.90	845.70	541.30	520.70	288.55	153.90
High Price (₹)	1,000.90	1,000.00	632.70	573.75	310.00	194.95
Low Price (₹)	730.60	517.85	473.90	267.25	137.05	96.05
Market Cap (₹ Cr)	1,25,388.88	1,13,946.90	73,039.02	70,129.79	35,880.16	19,154.85

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)