Indian Bank Q4 FY26 results (Jan–Mar 2026) and concall

Financial Services · Concall AI · Call held 29 Apr 2026

Company page: Indian Bank share price, financials & guidance record

Indian Bank delivered a strong Q4 FY26, with robust business growth and significant improvement in asset quality, including a substantial reduction in NPAs and SMA. Net profit for the full year increased by 11.33%, driven by healthy advances and deposit growth. While NIM faced some compression, the bank maintained its CASA ratio and saw impressive digital business expansion. Management is cautiously optimistic about FY27, providing guidance for continued growth and stable asset quality despite anticipated pressure on NIM and the impact of new ECL guidelines.

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What they filed

Q4 FY26: revenue up 10.3%, net profit up 6.4% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26
Revenue	15,770	15,860	16,285	16,628	17,102 +8%	17,488 +10%
Expenses	5,102	5,097	4,880	5,108	5,492	5,811
Other income	2,397	2,935	1,854	2,643	2,793	2,773
Interest	9,345	9,467	9,924	10,040	10,203	10,372
Depreciation	0	0	0	0	0	0
Profit before tax	3,721	4,230	3,335	4,123	4,199 +13%	4,078 −4%
Tax rate	23%	30%	33%	26%	27%	24%
Net profit	2,910	2,982	2,277	3,109	3,148 +8%	3,174 +6%
EPS	21.60	22.14	16.90	23.07	23.36	23.56

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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