Axis Bank Q2 FY26 Earnings Results: Profit Slips 25% to ₹5,557 Crore Despite 1% Rise in Income

Axis Bank reported a 25% year-on-year (YoY) fall in consolidated net profit to ₹5,557 crore for the July–September quarter (Q2 FY26), compared to ₹7,289 crore in the same quarter last year. On a sequential basis, profit slipped 11% from ₹6,260 crore in the previous quarter.

The bank attributed the decline to a one-time provision of ₹1,231 crore for 2 discontinued crop loan products, following directions from the Reserve Bank of India (RBI). The bank stated that this provision will be reversed once these loans are fully repaid or closed by March 31, 2028.

Total Income Edges Up 1% YoY

Axis Bank’s total income for the quarter stood at ₹39,769.85 crore, up 1.4% from ₹39,203.77 crore last year, though slightly down 1.5% from the previous quarter. Interest income during the period was ₹32,309.77 crore.

MD and CEO Amitabh Chaudhry said the bank continues to strengthen its digital capabilities and expand access to credit. He emphasised that Axis Bank is focused on becoming an agile, inclusive, and purpose-driven financial institution.

Loan Growth Across Segments

As of September 30, 2025, Axis Bank’s total advances rose 12% YoY and 5% sequentially to ₹11.17 lakh crore. Segment-wise, the loan growth was as follows:

• Retail loans: up 6%
• Small Business Banking: up 14%
• Loan against property: up 22%
• Personal loans: up 4%
• Credit card advances: up 7%
• Rural loans: up 2%
• SME loans: up 19%
• Corporate loans: up 20%

The bank’s net NPA stood at ₹5,113.86 crore, or 0.44%, compared to 0.34% in Q2 FY25 and 0.45% in Q1 FY26.

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Axis Bank Share Price Movement

As of October 15, 2025, Axis Bank share price (NSE: AXISBANK) closed at ₹1,172.50, down 0.37% from the previous session. The stock opened at ₹1,180 and touched a high of ₹1,181.70 and a low of ₹1,164 during the day. Axis Bank’s 52-week range shows a high of ₹1,247 and a low of ₹933.50, while its latest quarterly dividend amount is ₹0.249 per share.

Conclusion

Axis Bank’s Q2 performance reflected strong loan growth but a temporary profit dip due to regulatory provisioning. With continued focus on digital innovation and credit expansion, the bank remains confident of improving profitability in the coming quarters.

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