Profit before tax jumped 12.90% to Rs 4,097.91 crore in the second quarter of FY26 as against Rs 3,629.36 crore recorded in the same quarter last year.
Net Interest Income (NII) increased by 5.76% YoY to Rs 16,551 crore in September 2025, up from Rs 16,194 crore in September 2024. Net interest margin (NIM) stood at 3.23% in Q2 FY26, down from 3.39% in Q2 FY25.
Operating profit improved by 2.31% YoY to Rs 4,837 crore in September 2025 from Rs 4,728 crore a year earlier. Total provisions fell 32.70% to Rs 739 crore in Q2 FY26, down from Rs 1,098 crore reported in Q2 FY25.
Gross Advances increased by 12.65% YoY to Rs 6,20,324 crore in September 2025 from Rs 5,50,644 crore in September 2024.
On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 16,134.66 crore as on 30 September 2025 as against Rs 19,148 crore as on 30 September 2024.
The bank's net non-performing assets (NPAs) stood at Rs 982.98 crore as on 30 September 2025 as against Rs 1,445.29 crore as on 30 September 2024.
The ratio of gross NPAs declined to 2.60% as of 30 September 2025 from 3.48% as of 30 September 2024. The ratio of net NPAs reduced to 0.16% as of 30 September 2025 from 0.27% as of 30 September 2024.
Provision Coverage Ratio (PCR, including TWO) improved by 68 bps YoY to 98.28% in September 2025 from 97.60% in September 2024.
During the quarter, total Deposits increased by 12.09% YoY to Rs 7,76,946 crore in the September 2025 as against Rs 6,93,115 crore in September 2024. Current, Savings & CASA deposits grew by 11.40%, 6.59%, and 7.23% YoY respectively
RAM (retail, agriculture & MSME) advances grew by 15.57% YoY to Rs 3,75,660 crore in September 2025 from Rs 3,25,050 crore in September 2024
The capital adequacy ratio stood at 17.31%. CET-1 stood at 14.80% and Tier I Capital at 15.27% in September 2025
During Q2 FY25, the bank's return on assets (RoA) stood at 1.32%, return on equity (RoE) at 19.58 % in September 2025.
The Bank has 5955 domestic branches (including 3 DBUs], out of which 2001are Rural, 1587 are Semi-Urban, 1189 are Urban & 1178 are in Metro category. The Bank has 3 overseas branches &1IBU (Gift City Branch]. The Bank has 5565 ATMs & BNAs and 15598 number of Business Correspondents (BCs).
Indian Bank has many deposit schemes tailored to suit the needs of its customers, both individuals and organizations. Credit/Advances/Loan Schemes specifically designed for its customers. Also, it offers various novel services to customers, both individuals and organizations.
The counter shed 0.43% to Rs 771.95 on the BSE.
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Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: