Chennai, Tamil Nadu: Indian Bank kicked off FY26 with a solid performance, reporting a standalone net profit of ₹2,956.07 crore in the first quarter ending June 30, 2025. This marks a 23% jump from ₹2,403.42 crore posted in the same quarter last year.
The bank’s Board of Directors approved the unaudited financial results during a meeting held on July 24. The results underscore significant improvement across income, asset quality, and capital adequacy.
Income Growth and Operating Strength
Indian Bank’s total standalone income rose to ₹18,721.31 crore, up from ₹16,944.77 crore in Q1 FY25. Operating profit before provisions stood at ₹4,770.28 crore, driven by robust lending and interest income performance.
Asset Quality at Its Best
Indian Bank achieved notable improvement in its asset quality. Gross NPAs fell to 3.01% from 3.77% a year ago. Even more impressively, Net NPAs dropped to just 0.18%, down from 0.39% in Q1 last year, reflecting strong recovery efforts and prudent loan monitoring.
The bank’s Capital Adequacy Ratio under Basel III norms also improved to 17.80%, compared to 16.47% as of June 2024. The Return on Assets (annualised) came in at 1.34%, reflecting healthy profitability.
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Consolidated Gains and Regulatory Review
On a consolidated basis, Indian Bank reported a net profit of ₹2,276.37 crore and a total income of ₹18,905.60 crore for the April–June 2025 quarter. The consolidated Capital Adequacy Ratio (Basel III) reached 17.99%.
The Audit Committee of the Board reviewed the financials, which were then approved by the Board during its meeting held from 12:30 PM to 1:05 PM on July 24.
About Indian Bank
Established in 1907, Indian Bank is a leading public sector bank headquartered in Chennai. It serves over 100 million customers across the country with a wide range of banking and financial services. Following its amalgamation with Allahabad Bank in 2020, Indian Bank has further strengthened its national presence and asset base.
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