Indian Bank Q3FY26 Earnings Results: Reported 7.3% YoY Rise In Q3 Profit To ₹3,061 Crore

Indian Bank posted a strong performance in the December 2025 quarter. Net profit increased 7.33% year-on-year to ₹3,061 crore, compared with ₹2,852 crore a year ago.

Operating profit rose 5.79% to ₹5,024 crore, while net interest income grew 7.5% to ₹6,896 crore. Fee-based income also increased 7.2% to ₹998 crore.

The bank’s cost of deposits declined by 25 basis points to 4.93%. Return on Equity stood at 19.11%, while Return on Assets was reported at 1.30%.

Loan Growth And Deposit Expansion

Gross advances grew 14.24% year-on-year to ₹6,38,848 crore. Retail, Agriculture, and MSME (RAM) advances rose 16.65% to ₹3,90,459 crore, contributing 66.06% to total advances.

Retail, agriculture, and MSME loans increased by 18.54%, 15.14%, and 16.41% respectively. Home loans, including mortgages, grew 14.2% YoY.

Total deposits rose 12.62% to ₹7,90,923 crore. CASA deposits grew 9.86%, with the domestic CASA ratio standing at 39.08%. The credit-deposit ratio stood at 80.77%.

Asset Quality And Capital Position

Asset quality improved during the quarter. Gross NPA declined to 2.23% from 3.26% YoY, while Net NPA fell to 0.15%.

Provision Coverage Ratio improved to 98.28%. The slippage ratio reduced to 0.69%. Capital adequacy rose to 16.58%, with CET-I at 14.54%. Earnings per share increased to ₹90.92 from ₹84.70.

Quarter-On-Quarter Performance (Dec 2025 Vs Sep 2025)

Net profit rose 1.42% quarter-on-quarter to ₹3,061 crore. Domestic net interest margin improved by 6 basis points to 3.40%.

Gross and net NPAs declined further, while credit cost reduced to 0.21%.

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Nine-Month Performance (9MFY26)

For the nine months ended December 2025, net profit increased 13.69% to ₹9,053 crore. Operating profit rose to ₹14,630 crore, and net interest income stood at ₹19,805 crore.

Domestic NIM was reported at 3.37%, while RoA and RoE stood at 1.32% and 19.66%, respectively.

Branch Network And Digital Banking Growth

Indian Bank operates 5,965 domestic branches and has 3 overseas branches along with a GIFT City IBU. The bank also runs 5,624 ATMs and BNAs and over 16,000 business correspondents.

Digital channels generated business worth ₹1,98,350 crore during 9MFY26. Mobile banking users grew 21% YoY to 2.25 crore, while UPI users reached 2.52 crore.

Indian Bank Share Price Movement

Indian Bank share price (NSE: INDIANB) was trading at ₹872.90 on the NSE at 2:21 pm on January 22, up ₹22.35 or 2.63% for the day. The stock opened at ₹859.70 and moved between an intraday low of ₹854.20 and a high of ₹881.45. Over the past year, the stock has touched a 52-week high of ₹894.85 and a low of ₹478.00. Indian Bank offers a dividend yield of 1.86%, with a quarterly dividend amount of ₹4.06 per share.

Conclusion

Indian Bank delivered steady growth in Q3FY26 with higher profits, improving asset quality, strong loan growth, and expanding digital reach. The bank remains focused on efficiency, governance, and customer-led growth.

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