Indian Bank has announced its financial results for the fourth quarter of FY25, reporting a robust 32% year-on-year growth in consolidated net profit, which rose to Rs. 2,956 crore in March 2025 from Rs. 2,247 crore in March 2024.
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The bank’s operating profit increased by 17% YoY, reaching Rs. 5,019 crore in Q4FY25, up from Rs. 4,305 crore in Q4FY24. On a standalone basis, net profit surged by 35% YoY to Rs. 10,918 crore in FY25 from Rs. 8,063 crore in FY24.
Net Interest Income (NII) registered a 6% growth YoY, amounting to Rs. 6,389 crore in March 2025 compared to Rs. 6,015 crore in the same period last year.
Improved Asset Quality
The bank demonstrated significant improvements in asset quality. Gross Non-Performing Assets (GNPA) declined by 86 basis points (bps) YoY to 3.09% in March 2025, compared to 3.95% a year earlier. Net NPA (NNPA) also decreased by 24 bps YoY, falling to 0.19% from 0.43%.
The Slippage Ratio improved slightly, decreasing by 2 bps to 1.09% in March 2025 from 1.11% in March 2024.
The Capital Adequacy Ratio rose by 150 bps YoY to 17.94%, while Common Equity Tier-I (CET-I) improved by 184 bps to 15.36%. Tier-I capital also climbed by 182 bps to reach 15.85% in March 2025.
Profitability ratios showed healthy gains, with Return on Assets (RoA) increasing by 22 bps to 1.37% and Return on Equity (RoE) rising by 195 bps to 21.01% in March 2025.
Business Growth
Gross advances grew by 10% YoY, reaching Rs. 5,88,140 crore in March 2025 from Rs. 5,33,773 crore in March 2024, reflecting sustained credit demand across sectors.
Indian Bank’s Q4 and full-year performance highlights its strong financial fundamentals, improved asset quality, and consistent growth across key metrics.
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