Indian Bank has reported robust growth for the fiscal year 2025-26, with net profit surging by 11.33% to ₹12,156 crore. The Bank’s total business expanded to ₹14.95 lakh crore, marking a 12.79% YoY growth. Asset quality saw significant improvement, with the Gross NPA ratio declining to 1.98%. This performance highlights the bank’s commitment to sustainable growth, digital transformation, and efficient risk management in a challenging economic landscape.
Financial Performance Highlights
Indian Bank delivered a resilient performance in FY 2025-26, underpinned by steady profitability and improved asset quality. The Bank achieved a net profit of ₹12,156 crore, a 11.33% increase year-on-year. Total business reached ₹14.95 lakh crore, reflecting a robust 12.79% annual growth. Operating profit also saw steady gains, rising by 4.83% to ₹19,916 crore.
Strategic Growth in Advances and Deposits
The Bank’s growth was driven by a focused strategy on the RAM (Retail, Agriculture, and MSME) segments, which now account for over 65% of its domestic credit portfolio. Retail advances grew by 19%, MSME advances by 16%, and agricultural credit by 11%. Furthermore, the global deposit base expanded to ₹8.28 lakh crore, a 12.29% increase, supporting the bank’s strong liquidity position.
Significant Improvement in Asset Quality
Asset quality showed substantial progress throughout the fiscal year. The Gross NPA ratio improved significantly to 1.98%, down by 111 bps from the previous year. Similarly, the Net NPA ratio reached a record low of 0.15%. The Bank’s Provision Coverage Ratio (PCR) reached 98.28%, underscoring its proactive risk management and strong balance sheet.
Digital Transformation and Inclusion
The fiscal year was a landmark period for the bank’s digital journey, with total digital business rising to ₹2.72 lakh crore. The bank’s mobile banking user base expanded significantly, with 42 lakh new customers joining the IndSMART Mobile App, bringing the total base to 2.36 crore. Financial inclusion remained a central priority, with the bank successfully adding 6.05 lakh new enrolments under the Atal Pension Yojana and supporting over 5 lakh Self-Help Groups (SHGs) with credit disbursements amounting to ₹17,800 crore.
Source: BSE
