Bank’s Profile

A BRIEF HISTORY OF THE BANK SINCE ITS INCORPORATION

                                                      Branch Network and other touch points as on 30.09.2025

                               Domestic branches: 5955 (Including 3 DBUs) Overseas branches: 3 & IBU: 1

                                          ATMs & BNAs: 5565                    Business Correspondents: 15598

Bank’s Performance as on 30.09.2025

Assets and Liabilities

• Total Deposits increased by 12.09% YoY and reached to ₹776946 Cr in Sep’25 as against ₹693115 Cr in Sep’24. Current, Savings & CASA deposits grew by 11.40%, 6.59%, and 7.23% YoY respectively.
• Domestic CASA ratio stood at 38.87% as on 30thSep’25.
• Gross Advances increased by 12.65% YoY to ₹620324 Cr in Sep’25 from ₹550644 Cr in Sep’24.
• RAM (Retail, Agriculture & MSME) advances grew by 15.57% YoY to ₹375660 Cr in Sep’25 from ₹325050 Cr in Sep’24.
• RAM contribution to gross domestic advances stood at 65.50%. Retail, Agri & MSME advances grew by 18.58%, 13.98% and 14.10% YoY respectively. Home Loan (including mortgage) grew by 12.68% YoY in Sep’25.
• Priority sector advances as a percentage of ANBC stood above 42% at ₹206149 Cr in Sep’25 as against the regulatory requirement of 40%.

Capital Adequacy

• Capital Adequacy Ratio stood at 17.31%. CET-I at 14.80% and Tier I Capital stood at 15.27% in Sept’25.

Asset Quality

• GNPA decreased by 88 bps YoY to 2.60% in Sep’25 from 3.48% in Sep’24, NNPA reduced by 11 bps to 0.16% in Sep’25 from 0.27% in Sep’24.
• Provision Coverage Ratio (PCR, including TWO) improved by 68 bps YoY to 98.28% in Sep’25 from 97.60% in Sep’24.

Operating Profit and Net Profit (Half year ended Sep’25 over Sep’24)

• Net Profit up by 17.24% YoY to ₹5991 Cr in H1FY26 from ₹5110 Cr in H1FY25.
• Operating Profit grew by 4.08% YoY to ₹9607 Cr in H1FY26 from ₹9230 Cr in H1FY25.
• Net Interest Income up by 4.35% YoY to ₹12910 Cr in H1FY26 from ₹12372 Cr in H1FY25.
• Net Interest Margin (NIM) Domestic stood at 3.35% in H1FY26.
• Return on Assets (RoA) improved by 7 bps to 1.33% from 1.26% in H1FY25.
• Credit Cost improved by 41 bps YoY to 0.27% in H1FY26 from 0.68% in H1FY25.

Digital Banking

• Business of ₹1,23,585 Cr has been generated through Digital Channels in H1FY26. A total of 132 Digital Journeys, Utilities and Processes have been launched so far.
• Number of Mobile Banking users has grown by 17% year over year, reaching 2.11 Cr.
• UPI users and Net Banking users have witnessed an increase of 24% & 6% YoY reaching 2.41 Cr and 1.17 Cr respectively. Both the debit card & credit card users increased by 5%.

Financial Inclusion

• During Q2 FY26, total disbursement under SHG is ₹5287 Cr.
• The outstanding under SHG increased to ₹22901 Cr from ₹20790 Cr registering YoY growth of 10.2%. Bank assisted 5.06 lakh SHG/JLGs with 59 lakh women members under SHG/JLG scheme.
• In Atal Pension Yojana (APY), during H1FY26 Bank added 3.12 lakhs fresh enrolments with Average Account Per Branch (AAPB) of 54 against proportionate target of 50 as on 30.09.2025.

Awards & Accolades

• Indian Bank was awarded the third prize in the Rajbhasha Kirti Award 2025 for its exemplary efforts in promoting the official language.
• The Bank received the Cloud Leader- India 2025 award from VMware India in recognition of its leadership in cloud technology and innovation.
• The Chief Financial Officer of Indian Bank was honoured as the Best CFO in the Bank (Large Cap category) at DSIJ’s 2025 CFO Awards.

Our Focus

• Our focus remains on staying agile in a dynamic environment, building trust through transparency and delivering personalized experiences. We are investing in innovation, expanding access to underserved segments, and strengthening our foundation for long-term success.