Ahmedabad / Chennai: Indian Bank has reported a strong financial performance for the quarter and full year ended March 31, 2026, driven by consistent growth across core segments, improved asset quality, and enhanced operational efficiency.
The Bank recorded a total business growth of 12.79%, supported by a sharp 62% rise in credit sanctions, reflecting strong momentum across Retail, Agriculture, MSME, and Corporate segments. Deposit growth remained healthy at 12.29%, with CASA maintaining a robust ratio of 39.67%.
Financial Highlights (FY26)
- Net Profit: ₹12,156 crore, up 11.33% YoY
- Operating Profit: ₹19,916 crore, up 4.83% YoY
- Net Interest Income (NII): ₹26,915 crore, up 6.91% YoY
- Return on Assets (RoA): 1.31%
- Net Interest Margin (Domestic): 3.36%
Quarter Highlights (Q4 FY26 vs Q4 FY25)
- Net Profit: ₹3,103 crore, up 4.97% YoY
- Operating Profit: ₹5,286 crore, up 5.32% YoY
- Net Interest Income: ₹7,109 crore, up 11.27% YoY
- Fee Income: ₹1,092 crore, up 19.04% YoY
Business Growth
- Gross Advances: ₹6.67 lakh crore, up 13.43% YoY
- RAM Advances: ₹4.04 lakh crore, up 15.18% YoY
- RAM contribution stood at 65.45% of domestic advances
- Total Deposits: ₹8.27 lakh crore, up 12.29% YoY
Asset Quality & Capital Strength
- Gross NPA: Reduced to 1.98% (from 3.09%)
- Net NPA: Improved to 0.15%
- Provision Coverage Ratio: 98.28%
- Capital Adequacy Ratio: 17.93%
- CET-1 Ratio: 16.40%
Digital & Operational Excellence
- ₹2.72 lakh crore business generated through digital channels in FY26
- Mobile banking users grew 22% YoY to 2.36 crore
- UPI users reached 2.64 crore, up 21% YoY
- 153 digital journeys and processes launched
Network Strength
- 6,001 domestic branches and 3 overseas branches
- 5,657 ATMs/BNAs and 17,032 Business Correspondents
Awards & Recognition
Indian Bank received multiple prestigious recognitions, including:
- Golden Peacock Award for Excellence in AI (2026)
- SKOCH Golden Award for IB SAATHI
- ET Edge BFSI Tech Leader Award
- Red Hat APAC Innovation Award (2025)
- MD & CEO honoured as “CEO of the Year”
Management Commentary
The Bank continues to strengthen its position through a combination of strong governance, digital transformation, and customer-centric innovation. With a focus on sustainable growth, operational excellence, and asset quality, Indian Bank remains well-positioned to deliver long-term value.