Indian Bank has announced robust financial results for the quarter and year ended March 31, 2026. The bank achieved a full-year net profit of ₹12,156 crore, marking an 11.33% growth. Business grew to ₹14.95 lakh crore, driven by strong performance across RAM (Retail, Agriculture, MSME) and corporate sectors. Asset quality significantly improved, with GNPA reducing to 1.98%, and the bank remains well-capitalized with a CRAR of 17.93%.
Robust Annual Financial Growth
For the financial year ended March 31, 2026, Indian Bank demonstrated consistent growth across key metrics. The bank recorded an annual net profit of ₹12,156 crore, reflecting an 11.33% increase year-on-year. Operating profit for the same period stood at ₹19,916 crore, a 4.83% improvement. Net interest income for the full year reached ₹26,915 crore, representing a 6.91% increase over the previous fiscal year.
Business Segments and Asset Quality
The bank’s total business reached ₹14.95 lakh crore by the end of March 2026, with total deposits growing 12.29% to ₹8.28 lakh crore and advances growing 13.43% to ₹6.67 lakh crore. The RAM (Retail, Agriculture, and MSME) sector remains a significant driver, with ₹4.04 lakh crore in advances, growing 15.18% year-on-year.
Asset quality has shown marked improvement, with the Gross NPA (GNPA) ratio declining to 1.98%, a reduction of 111 bps year-on-year. The bank maintains a strong provision coverage ratio of 98.28%. Additionally, the bank’s capital position remains solid, reporting a CRAR of 17.93%, with CET 1 capital at ₹71,764 crore.
Digital Transformation and ESG Initiatives
Indian Bank continues to scale its digital capabilities, reporting total digital business of ₹2,72,302 crore in FY26, supported by 153 digital journeys. The bank has successfully expanded its footprint, serving customers through 6,001 domestic branches and 5,657 ATMs and BNAs. Environmental, Social, and Governance (ESG) efforts have also been prioritized, with ₹14,473 crore in green finance exposure and the conversion of 1,481+ diesel generators to inverter systems, reflecting the bank’s commitment to sustainability.
Source: BSE
