Nifty
:
25637.80
Sensex
:
84058.90
88.80 (0.35%)
303.03 (0.36%)
Nifty
Sensex
:
:
25637.80
84058.90
88.80 (0.35%)
303.03 (0.36%)

Indian Bank

Bank - Public

Rating :
73/99

BSE: 532814 | NSE: INDIANB

NSE BSE
626.80
27-Jun-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  638
  •  642
  •  625.6
  •  635.95
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2416450
  •  1526352357.3
  •  658.5
  •  473.9

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 84,400.76
  • 7.49
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 94,005.41
  • 2.59%
  • 1.31

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 73.84%
  • 0.17%
  • 2.87%
  • FII
  • DII
  • Others
  • 4.74%
  • 17.42%
  • 0.96%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 31.45
  • 29.53
  • 27.29

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.77
  • 1.03

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.15
  • 7.50
  • 7.60

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.75
  • 0.77
  • 1.03

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.06
  • 2.68
  • 2.82

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Interest Earned
15,859.63
14,633.41
8.38%
15,770.16
14,202.58
11.04%
15,369.01
13,763.80
11.66%
15,040.63
13,049.94
15.25%
Interest Exp.
9,467.06
8,609.13
9.97%
9,345.18
8,383.37
11.47%
9,153.50
8,002.62
14.38%
8,860.51
7,345.64
20.62%
Net Interest Income
6,392.57
6,024.28
6.11%
6,424.98
5,819.21
10.41%
6,215.51
5,761.18
7.89%
6,180.12
5,704.30
8.34%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
2,934.73
2,432.08
20.67%
2,397.38
2,112.77
13.47%
2,602.21
2,165.61
20.16%
2,077.13
1,871.49
10.99%
Total Income
18,794.36
17,065.49
10.13%
18,167.54
16,315.35
11.35%
17,971.22
15,929.41
12.82%
17,117.76
14,921.43
14.72%
Operating Exp.
4,303.18
4,127.38
4.26%
4,042.10
3,808.64
6.13%
4,044.66
3,599.08
12.38%
3,733.21
3,417.70
9.23%
Operating Profit
5,024.12
4,328.98
16.06%
4,780.26
4,123.34
15.93%
4,773.06
4,327.71
10.29%
4,524.04
4,158.09
8.80%
Provision
794.31
1,250.78
-36.49%
1,059.61
1,349.13
-21.46%
1,099.07
1,550.97
-29.14%
1,261.11
1,743.58
-27.67%
PBT
4,229.81
3,078.20
37.41%
3,720.65
2,774.21
34.12%
3,673.99
2,776.74
32.31%
3,262.93
2,414.51
35.14%
PBTM
26.67
21.04
26.76%
23.59
19.53
20.79%
23.91
20.17
18.54%
21.69
18.50
17.24%
TAX
1,268.42
817.89
55.08%
844.50
637.88
32.39%
933.96
768.62
21.51%
845.63
690.12
22.53%
PAT
2,961.39
2,260.31
31.02%
2,876.15
2,136.33
34.63%
2,740.03
2,008.12
36.45%
2,417.30
1,724.39
40.18%
PATM
18.67%
15.45%
18.24%
15.04%
17.83%
14.59%
16.07%
13.21%
EPS
21.99
16.78
31.05%
21.35
15.86
34.62%
20.34
14.91
36.42%
17.95
12.80
40.23%
Gross NPA
18,178.86
21,106.31
-13.87%
18,208.35
22,786.52
-20.09%
19,148.00
24,487.53
-21.81%
20,302.16
26,226.92
-22.59%
Gross NPA%
3.09
3.95
-21.77%
3.26
4.47
-27.07%
3.48
4.97
-29.98%
3.77
5.47
-31.08%
Net NPA
1,109.56
2,222.58
-50.08%
1,126.86
2,578.72
-56.30%
1,445.29
2,825.85
-48.85%
2,026.59
3,197.55
-36.62%
Net NPA%
0.19
0.43
-55.81%
0.21
0.53
-60.38%
0.27
0.60
-55.00%
0.39
0.70
-44.29%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Interest Income
-
25,213.18
23,308.97
20,267.87
16,759.19
15,669.28
7,603.77
7,015.31
6,264.04
5,147.76
4,448.89
Interest Earned
-
62,039.43
55,649.73
44,985.16
38,888.44
39,108.08
21,401.28
19,182.06
17,115.32
16,039.22
16,244.27
Interest Expended
-
36,826.25
32,340.76
24,717.29
22,129.25
23,438.80
13,797.51
12,166.75
10,851.28
10,891.46
11,795.38
Int. income Growth
-
8.17%
15.00%
20.94%
6.96%
106.07%
8.39%
11.99%
21.68%
15.71%
 
Other Income
-
10,011.45
8,581.95
7,804.50
7,379.71
6,111.40
3,325.50
1,891.44
2,416.59
2,222.40
1,788.94
Total Income
-
35,224.63
31,890.92
28,072.37
24,138.90
21,780.68
10,929.27
8,906.75
8,680.63
7,370.16
6,237.83
Total Expenditure
-
19,818.18
20,342.43
21,576.81
20,284.92
18,230.89
9,237.88
8,364.35
7,363.44
5,438.45
5,128.20
Employee Cost
-
9,974.61
9,319.90
7,578.88
6,738.44
6,411.62
2,478.34
2,227.54
2,104.64
1,995.36
2,010.26
% Of Sales
-
16.08%
16.75%
16.85%
17.33%
16.39%
11.58%
11.61%
12.30%
12.44%
12.38%
Opt. & Establishment Exp.
-
6,691.48
6,164.04
5,678.25
5,215.78
5,010.83
2,268.30
2,060.01
1,805.52
1,534.34
1,343.06
% Of Sales
-
10.79%
11.08%
12.62%
13.41%
12.81%
10.60%
10.74%
10.55%
9.57%
8.27%
Provisions
-
4,237.97
5,920.77
9,384.42
9,532.06
8,074.78
5,119.12
4,595.22
3,926.96
2,241.23
2,077.26
% Of Sales
-
6.83%
10.64%
20.86%
24.51%
20.65%
23.92%
23.96%
22.94%
13.97%
12.79%
EBITDA
-
15,406.45
11,548.49
6,495.56
3,853.98
3,549.79
1,691.39
542.40
1,317.19
1,931.71
1,109.63
EBITDA Margin
-
61.10%
49.55%
32.05%
23.00%
22.65%
22.24%
7.73%
21.03%
37.53%
24.94%
Depreciation
-
542.94
531.14
532.37
600.68
633.17
313.94
259.21
236.84
166.24
151.19
PBT
-
14,863.51
11,017.35
5,963.19
3,253.30
2,916.62
1,377.45
283.19
1,080.35
1,765.47
958.44
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
-
3,868.64
2,888.20
632.71
-740.59
-99.10
619.37
-37.74
-182.57
352.56
243.92
Tax Rate
-
26.03%
26.22%
10.61%
-22.76%
-3.40%
44.96%
-13.33%
-16.90%
19.97%
25.45%
PAT
-
10,991.95
8,126.04
5,329.27
3,991.51
3,014.29
757.39
320.34
1,262.17
1,411.04
713.55
PAT before Minority Interest
-
10,994.87
8,129.15
5,330.48
3,993.89
3,015.72
758.08
320.93
1,262.92
1,412.91
714.52
Minority Interest
-
-2.92
-3.11
-1.21
-2.38
-1.43
-0.69
-0.59
-0.75
-1.87
-0.97
PAT Margin
-
31.21%
25.48%
18.98%
16.54%
13.84%
6.93%
3.60%
14.54%
19.15%
11.44%
PAT Growth
-
35.27%
52.48%
33.52%
32.42%
297.98%
136.43%
-74.62%
-10.55%
97.75%
 
EPS
-
81.60
60.33
39.56
29.63
22.38
5.62
2.38
9.37
10.48
5.30

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
71,512.91
60,248.20
49,506.82
44,951.93
39,458.07
22,767.58
19,715.46
18,715.44
17,433.84
16,489.84
Share Capital
1,346.96
1,346.96
1,245.44
1,245.44
1,129.37
608.80
480.29
480.29
480.29
480.29
Total Reserves
70,165.95
58,901.24
48,261.38
43,706.49
38,328.70
22,158.78
19,235.17
18,235.15
16,953.55
16,009.55
Minority Interest
32.23
29.31
26.19
24.98
22.60
21.17
20.46
19.87
19.12
17.25
Deposits
7,37,098.32
6,87,953.07
6,21,123.23
5,93,570.88
5,38,029.80
2,60,184.40
2,42,040.80
2,08,261.81
1,82,480.04
1,78,258.92
Borrowings
41,552.30
23,142.88
22,092.42
17,217.52
24,762.77
20,830.31
12,137.54
19,760.17
12,636.89
3,509.32
Other Liabilities & Provisions
26,842.84
24,335.36
20,585.34
18,331.12
23,261.93
6,337.50
6,474.02
6,224.12
5,937.55
5,665.77
Total Liabilities
8,77,038.60
7,95,708.82
7,13,334.00
6,74,096.43
6,25,535.17
3,10,140.96
2,80,388.28
2,52,981.41
2,18,507.44
2,03,941.10
Net Block
8,826.27
7,522.64
7,470.39
7,692.81
7,391.06
3,898.30
3,964.23
3,421.47
3,436.05
3,507.71
Gross Block
15,445.28
13,657.35
13,140.57
12,907.30
12,085.63
11,573.17
6,090.79
5,358.50
5,149.44
4,991.13
Accumulated Depreciation
6,619.01
6,134.71
5,670.18
5,214.49
4,694.57
7,674.87
2,126.56
1,937.03
1,713.39
1,483.42
Total Non-Current Assets
8,63,310.77
7,79,847.70
6,95,357.73
6,53,354.81
5,99,858.23
2,97,593.72
2,70,526.06
2,44,543.65
2,08,982.83
1,97,853.60
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
31.06
17.26
10.28
6.10
1.50
0.78
0.76
0.61
10.64
7.90
Cash and balance with RBI
31,947.65
32,702.76
32,692.73
58,554.66
27,545.18
5,736.12
11,701.87
10,501.60
5,588.70
9,174.46
Balance with banks and money at call
23,013.75
9,474.15
17,524.10
21,413.56
23,958.97
8,200.35
8,325.74
2,431.90
4,458.54
2,825.16
Investments
2,28,420.86
2,15,241.82
1,88,366.28
1,76,501.61
1,78,292.44
81,871.16
65,271.55
71,619.14
67,781.19
53,282.93
Advances
5,71,071.18
5,14,889.07
4,49,293.95
3,89,186.07
3,62,669.08
1,97,887.01
1,81,261.91
1,56,568.93
1,27,707.71
1,29,055.44
Other Assets
13,727.83
15,861.12
17,976.27
20,741.62
25,676.94
12,547.24
9,862.22
8,437.76
9,524.61
6,087.50
Total Assets
8,77,038.60
7,95,708.82
7,13,334.00
6,74,096.43
6,25,535.17
3,10,140.96
2,80,388.28
2,52,981.41
2,18,507.44
2,03,941.10
Contingent Liabilities
2,80,758.37
3,34,331.17
3,81,370.21
3,56,020.02
2,93,606.77
42,601.71
36,219.00
33,728.75
29,385.56
29,775.78
Bills for collection
14,159.47
15,934.58
16,082.16
14,144.89
12,620.73
5,994.97
5,394.56
4,607.55
3,230.56
3,150.61
Adjusted Book Value
477.46
402.93
348.47
311.06
349.38
373.97
410.49
335.09
306.76
285.42

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
17,396.40
-8,617.26
-27,893.99
28,750.33
17,230.92
-8,396.17
6,269.85
-3,675.80
-10,813.85
-930.72
PBT
11,264.39
8,422.52
5,573.52
4,144.19
3,150.58
862.02
380.73
1,311.29
1,454.93
752.24
Adjustment
9,114.94
9,606.29
11,370.23
10,482.11
9,686.04
6,329.43
4,818.28
3,983.37
2,761.06
2,474.40
Adjustments for Liabilities & Assets
-2,956.91
-25,756.57
-44,824.14
14,136.21
4,414.02
-14,797.62
1,070.84
-8,970.46
-15,029.84
-4,157.36
Refund/(Payment) of direct taxes
-26.02
-889.50
-13.60
-12.18
-19.72
-790.00
0.00
0.00
0.00
0.00
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-348.40
-617.70
-313.98
-304.69
-544.88
-247.37
-248.56
-214.38
-179.37
-771.72
Net Fixed Assets
-1787.82
-519.07
-229.25
-836.53
-511.32
-5441.09
-732.54
-198.97
-143.68
-730.82
Other Investment Activity
-16007.48
-13915.94
-13387.58
-13398.52
-12264.48
-11754.35
-6279.08
-5511.53
-5904.91
-5225.92
Cash from Financing Activity
-4,263.51
1,195.04
-1,543.42
18.43
1,865.55
2,552.42
1,000.00
6,776.44
9,040.86
620.21
Closing Cash & Equivalent
54,961.40
42,176.91
50,216.83
79,968.22
51,504.15
13,936.48
20,027.62
12,933.51
10,047.25
11,999.61
Net Cash Inflow / Outflow
12,784.49
-8,039.92
-29,751.39
28,464.07
18,551.59
-6,091.12
7,021.29
2,886.26
-1,952.36
-1,082.23
Opening Cash & Equivalents
42,176.91
50,216.83
79,968.22
51,504.15
11,174.70
20,027.60
12,933.50
10,047.25
11,999.61
13,081.84

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value
477.46
402.93
348.47
311.06
349.38
373.97
410.49
335.09
306.76
285.42
NIM
2.95
3.02
2.95
2.60
2.64
2.59
2.63
2.60
2.50
2.29
Yield on Advances
10.86
10.81
10.01
9.99
10.78
10.81
10.58
10.93
12.56
12.59
Yield on Investments
7.12
6.65
6.41
7.16
7.46
7.52
7.99
8.06
7.81
8.37
Cost of Liabilities
4.73
4.55
3.84
3.62
4.16
4.91
4.79
4.76
5.58
6.49
Interest Spread
6.13
6.26
6.17
6.37
6.62
5.91
5.80
6.17
6.98
6.10
ROCE
17.30%
16.60%
11.21%
7.04%
7.67%
5.78%
3.47%
5.07%
8.40%
6.42%
Cost Income Ratio
45.77
46.89
45.33
47.03
49.54
40.56
45.23
42.32
45.64
51.33
Core Cost Income Ratio
47.18
48.91
45.81
49.69
53.72
44.11
46.14
45.81
51.76
53.99
Operating Costs to Assets
1.84
1.88
1.78
1.68
1.72
1.43
1.44
1.45
1.54
1.57
Loans/Deposits
0.06
0.03
0.04
0.03
0.05
0.08
0.05
0.09
0.07
0.02
Cash/Deposits
0.04
0.05
0.05
0.10
0.05
0.02
0.05
0.05
0.03
0.05
Investment/Deposits
0.31
0.31
0.30
0.30
0.33
0.31
0.27
0.34
0.37
0.30
Inc Loan/Deposits
5.64%
3.36%
3.56%
2.90%
4.60%
8.01%
5.01%
9.49%
6.93%
1.97%
Credit Deposits
77.48%
74.84%
72.34%
65.57%
67.41%
76.06%
74.89%
75.18%
69.98%
72.40%
Interest Expended / Interest earned
59.36%
58.11%
54.95%
56.90%
59.93%
64.47%
63.43%
63.40%
67.91%
72.61%
Interest income / Total funds
7.07%
6.99%
6.31%
5.77%
6.25%
6.90%
6.84%
6.77%
7.34%
7.97%
Interest Expended / Total funds
4.20%
4.06%
3.47%
3.28%
3.75%
4.45%
4.34%
4.29%
4.98%
5.78%
CASA
38.37%
40.77%
41.99%
41.77%
42.30%
34.65%
34.71%
36.96%
37.09%
31.28%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Indian Bank reports 31% rise in Q4 consolidated net profit
    5th May 2025, 14:42 PM

    Total consolidated income of the bank increased by 10.13% at Rs 18794.36 crore for Q4FY25

    Read More
  • RBI imposes penalty of Rs 1.61 crore on Indian Bank
    26th Apr 2025, 16:18 PM

    The penalty is based on deficiencies in regulatory compliance

    Read More
  • Indian Bank eyes to disburse Rs 20,000 crore to SHGs in FY26
    21st Apr 2025, 09:39 AM

    The bank conducted a 'Mega SHG Credit Outreach Programme' in Bhubaneswar towards this vision

    Read More
  • Indian Bank reports 7% rise in total deposits during Q4FY25
    5th Apr 2025, 17:00 PM

    Its total Business grew 8.43% to Rs 13.25 lakh crore (provisional) as of March 31, 2025

    Read More
  • Indian Bank gets nod to raise Rs 5000 crore via Infrastructure Bonds
    21st Mar 2025, 15:13 PM

    The Board of Directors of the Bank in its meeting held on March 20, 2025, inter alia, approved the same

    Read More

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