Indian Bank has announced its financial results for the fourth quarter and the full financial year ending March 31, 2026, showcasing a robust performance in several key areas. The bank reported a net profit of ₹3,103 crore for Q4 FY26, marking a 4.97% increase compared to the same period last year.
The bank’s business volume reached ₹14.95 lakh crore, reflecting a year-on-year growth of 12.79%. Deposits grew by 12.29% to ₹8.28 lakh crore, while advances increased by 13.43% to ₹6.67 lakh crore. The bank’s Current Account Savings Account (CASA) ratio stood at 10.85%.
In terms of asset quality, Indian Bank reported a Gross Non-Performing Assets (GNPA) ratio of 1.98%, showing an improvement of 111 basis points year-on-year. The Net Non-Performing Assets (NNPA) ratio was 0.15%, with a Provision Coverage Ratio (PCR) of 98.28%, up by 18 basis points from the previous year.
The bank’s net interest income for the quarter was ₹7,109 crore, an increase of 11.27% year-on-year. Operating profit for Q4 FY26 was ₹5,286 crore, up by 5.32% compared to the same quarter last year. The Return on Assets (RoA) improved by 2 basis points to 1.28%, while the Return on Equity (RoE) increased by 203 basis points to 18.98%.
Indian Bank’s capital adequacy ratio (CRAR) stood at 17.93% as of March 31, 2026, reflecting a stable capital position. The bank’s Retail, Agriculture, and MSME (RAM) business grew by 15.18% to ₹4.04 lakh crore, with significant contributions from the retail and agriculture sectors.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).