| Scrip code | 532814 |
|---|---|
| NSE Symbol | INDIANB |
| MSEI Symbol | NOTLISTED |
| ISIN | INE562A01011 |
| Name of bank | Indian Bank |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 16-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 10-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 16-10-2025 12:05:00 |
| End date and time of board meeting | 16-10-2025 12:50:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 11,96,437.00 | 23,70,217.00 | |
| Income on investments | 4,05,340.00 | 7,99,936.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 42,824.00 | 82,288.00 | |
| Others | 18,227.00 | 38,897.00 | |
| Total interest earned | 16,62,828.00 | 32,91,338.00 | |
| 2 | Other income | 2,64,281.00 | 5,26,331.00 |
| 3 | Total income | 19,27,109.00 | 38,17,669.00 |
| Expenses | |||
| 4 | Interest expenses | 10,03,971.00 | 19,96,380.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 2,68,089.00 | 5,32,559.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other Operating Expenses | 1,68,899.00 | 3,23,342.00 |
| Total other operating Expenses | 1,68,899.00 | 3,23,342.00 | |
| Total Operating Expenses | 4,36,988.00 | 8,55,901.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 14,40,959.00 | 28,52,281.00 |
| 7 | Operating profit before provision and contingencies | 4,86,150.00 | 9,65,388.00 |
| 8 | Provisions other than tax and contingencies | 73,851.00 | 1,42,953.00 |
| 9 | Exceptional items | 0.00 | (76,659.00) |
| 10 | Total profit (loss) from ordinary activities before tax | 4,12,299.00 | 7,45,776.00 |
| 11 | Provision for Tax | 1,08,246.00 | 2,19,872.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 3,04,053.00 | 5,25,904.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 3,04,053.00 | 5,25,904.00 |
| 15 | Share of profit (loss) of associates | 6,810.00 | 12,667.00 |
| 16 | Profit (loss) of minority interest | 66.00 | 137.00 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 3,10,797.00 | 5,38,434.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 1,34,696.00 | 1,34,696.00 | |
| Face value of equity share capital | 10 | 10 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | ||
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 73.84 | 73.84 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 14.99 | 14.99 | |
| Additional Tier 1 ratio | 0.47 | 0.47 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 23.07 | 39.97 | |
| Diluted earnings per share before extraordinary items | 23.07 | 39.97 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 23.07 | 39.97 | |
| Diluted earnings per share after extraordinary items | 23.07 | 39.97 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 16,13,466.00 | 16,13,466.00 | |
| Amount of net non-performing assets | 98,298.00 | 98,298.00 | |
| % of gross NPAs | 2.60 | 2.60 | |
| % of net NPAs | 0.16 | 0.16 | |
| Return on assets | 1.36 | 1.20 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
| Textual Information(1) | Figures of previous periods have been regrouped/ reclassified wherever considered necessary to conform to current period classification. Please refer to the Notes in the PDF filed with Results on Stock Exchanges |
|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 1,34,696.00 | ||
| Reserves and surplus | 75,53,966.00 | ||
| Deposits | 7,76,87,710.00 | ||
| Borrowings | 42,28,196.00 | ||
| Other liabilities and provisions | 28,43,989.00 | ||
| Total Capital Liabilities | 9,24,48,557.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 31,91,190.00 | ||
| Balances with Banks and money at call and short notice | 26,27,439.00 | ||
| Investments | 2,38,53,456.00 | ||
| Advances | 6,05,16,930.00 | ||
| Fixed Assets | 87503900000 | ||
| Other Assets | 13,84,503.00 | ||
| Total Assets | 9,24,48,557.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Textual Information(1) |
|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
|---|---|---|---|---|---|---|---|
| Date of start of reporting period | 01-07-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 30-09-2025 | 30-09-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury Operations | 4,57,569.00 | 9,31,977.00 | ||||
| 2 | Corporate / Wholesale Banking | 6,00,010.00 | 11,94,059.00 | ||||
| 3 | Retail Banking | 7,94,037.00 | 15,77,806.00 | ||||
| 4 | Other banking Operations | 75,493.00 | 1,13,827.00 | ||||
| Total Segment Revenue | 19,27,109.00 | 38,17,669.00 | |||||
| Less: Inter segment revenue | 0.00 | 0.00 | |||||
| Income from operations | 19,27,109.00 | 38,17,669.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 1,57,559.00 | 3,29,371.00 | ||||
| 2 | Corporate / Wholesale Banking | 1,20,602.00 | 2,46,850.00 | ||||
| 3 | Retail Banking | 1,53,310.00 | 3,16,207.00 | ||||
| 4 | Other banking Operations | 54,679.00 | 72,960.00 | ||||
| Total Profit before tax | 4,86,150.00 | 9,65,388.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 67,107.00 | 2,07,082.00 | |||||
| Profit before tax | 4,19,043.00 | 7,58,306.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 2,72,31,153.00 | 2,72,31,153.00 | ||||
| 2 | Corporate / Wholesale Banking | 2,79,55,822.00 | 2,79,55,822.00 | ||||
| 3 | Retail Banking | 3,64,39,080.00 | 3,64,39,080.00 | ||||
| 4 | Other banking Operations | 2,99,739.00 | 2,99,739.00 | ||||
| Total Segment Assets | 9,19,25,794.00 | 9,19,25,794.00 | |||||
| Un-allocable Assets | 5,22,763.00 | 5,22,763.00 | |||||
| Net Segment Assets | 9,24,48,557.00 | 9,24,48,557.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 2,50,06,184.00 | 2,50,06,184.00 | ||||
| 2 | Corporate / Wholesale Banking | 2,56,71,642.00 | 2,56,71,642.00 | ||||
| 3 | Retail Banking | 3,34,61,761.00 | 3,34,61,761.00 | ||||
| 4 | Other banking Operations | 1,41,915.00 | 1,41,915.00 | ||||
| Total Segment Liabilities | 8,42,81,502.00 | 8,42,81,502.00 | |||||
| Un-allocable Liabilities | 81,67,055.00 | 81,67,055.00 | |||||
| Net Segment Liabilities | 9,24,48,557.00 | 9,24,48,557.00 | |||||
| Disclosure of notes on segments | 1. Segment Revenue and expenses have been apportioned on the basis of Segment assets, wherever direct allocation is not possible. 2. Figures of the previous period have been regrouped/reclassified wherever considered necessary to conform to current period classification. 3. As per RBI Circular DOR . AUT.REC.12/22.01.001/2022-23 daled April 07, 2022 on 'Establishment of Digital Banking Units (DBUs)', for the purpose of disclosure under Accounting Standard 17 -’Segment reporting',’Digital Banking’ has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI).The Bank has 3 DBUs. The ’Digital Banking' segment information disclosed pertains to the said DBUs. | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 7,45,776.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 23,078.00 | |
| Adjustments for depreciation and amortisation expense | 30,607.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 16.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 1,44,896.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 1,98,597.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | (34,86,757.00) | |
| Adjustments for decrease (increase) in other current assets | (10,37,026.00) | |
| Adjustments for increase (decrease) in trade payables | 40,50,844.00 | |
| Adjustments for increase (decrease) in other current liabilities | 77,922.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (3,95,017.00) | |
| Total adjustments for reconcile profit (loss) | (1,96,420.00) | |
| Net cash flows from (used in) operations | 5,49,356.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 724.00 | |
| Other inflows (outflows) of cash | 12,667.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 5,61,299.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 5,61,299.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 1,485.00 | |
| Purchase of tangible assets | 21,413.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | (19,928.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (19,928.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 0.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 0.00 | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 2,18,882.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | (2,18,882.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | (2,18,882.00) | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 3,22,489.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 3,22,489.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 54,96,140.00 | |
| Cash and cash equivalents cash flow statement at end of period | 58,18,629.00 | |