INTEGRATED FILING — BANKING
General information about company
| 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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
15-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
12-10-2026 |
| 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 |
15-10-2026
12:10:00 |
| End date and time of board meeting |
15-10-2026 12:40:00
|
| 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 |
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-07-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
13,97,044.00 |
27,09,385.00 |
|
Income on investments |
4,33,688.00 |
8,56,322.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
55,189.00 |
95,265.00 |
|
Others |
28,978.00 |
63,441.00 |
|
Total interest earned |
19,14,899.00 |
37,24,413.00 |
| 2 |
Other income |
4,18,699.00 |
7,08,923.00 |
| 3 |
Total income |
23,33,598.00 |
44,33,336.00 |
|
Expenses
|
| 4 |
Interest expenses |
11,38,864.00 |
22,04,550.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
3,06,803.00 |
6,16,656.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
1,79,969.00 |
3,45,362.00 |
|
Total other operating Expenses |
1,79,969.00 |
3,45,362.00 |
|
Total Operating Expenses |
4,86,772.00 |
9,62,018.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 16,25,636.00 |
31,66,568.00 |
| 7 |
Operating profit before provision and contingencies |
7,07,962.00 |
12,66,768.00 |
| 8 |
Provisions other than tax and contingencies |
2,23,126.00 |
3,42,486.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 4,84,836.00 |
9,24,282.00 |
| 11 |
Provision for Tax |
1,40,150.00 |
2,49,648.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
3,44,686.00 |
6,74,634.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
3,44,686.00 |
6,74,634.00 |
| 15 |
Share of profit (loss) of associates
| 9,446.00 |
15,242.00 |
| 16
| Profit (loss) of minority interest
| 61.00 |
142.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 3,54,071.00 |
6,89,734.00 |
|
| 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 |
73.8400 |
73.8400 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
15.400 |
15.400 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 26.29 |
51.21 |
|
Diluted earnings per share before extraordinary items
| 26.29 |
51.21 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 26.29 |
51.21 |
|
Diluted earnings per share after extraordinary items
| 26.29 |
51.21 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 11,61,252.00 |
11,61,252.00 |
|
Amount of net non-performing assets
| 98,290.00 |
98,290.00 |
|
% of gross NPAs |
1.6100 |
1.6100 |
|
% of net NPAs
| 0.1400 |
0.1400 |
|
Return on assets
| 1.3600 |
1.3400 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
| 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 |
85,51,513.00 |
|
Deposits |
8,73,95,817.00 |
|
Borrowings |
77,29,907.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
36,38,529.00 |
| 2 |
Minority Interest |
3,614.00 |
|
Total of Other liabilities and provisions |
36,42,143.00 |
|
Total Capital Liabilities |
10,74,54,076.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
32,66,391.00 |
|
| Balances with Banks and money at call and short notice
| 48,23,196.00 |
|
Investments |
2,57,96,387.00 |
|
Advances |
7,11,35,039.00 |
|
Fixed Assets |
8,57,703.00 |
|
Other Assets |
|
| 1 |
Other Assets |
15,75,360.00 |
|
Total of Other Assets |
15,75,360.00 |
|
Total Assets |
10,74,54,076.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-07-2026 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
6,49,890.00 |
11,62,062.00 |
| 2 |
Corporate / Wholesale Banking |
7,07,723.00 |
13,93,173.00 |
| 3 |
Retail Banking |
8,96,282.00 |
17,44,944.00 |
| 4 |
Other Banking Operations |
79,703.00 |
1,33,157.00 |
|
| Total Segment Revenue
| 23,33,598.00 |
44,33,336.00 |
|
Less: Inter segment revenue |
0.00 |
0.00 |
|
Income from operations |
23,33,598.00 |
44,33,336.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
2,88,326.00 |
4,69,887.00 |
| 2 |
Corporate / Wholesale Banking |
1,72,391.00 |
3,35,676.00 |
| 3 |
Retail Banking |
2,00,613.00 |
3,89,177.00 |
| 4 |
Other Banking Operations |
46,632.00 |
72,028.00 |
|
Total Profit before tax |
7,07,962.00 |
12,66,768.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
2,13,741.00 |
3,27,386.00 |
|
Profit before tax |
4,94,221.00 |
9,39,382.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
2,97,02,787.00 |
2,97,02,787.00 |
| 2 |
Corporate / Wholesale Banking |
3,45,40,635.00 |
3,45,40,635.00 |
| 3 |
Retail Banking |
4,22,50,851.00 |
4,22,50,851.00 |
| 4 |
Other Banking Operations |
3,78,496.00 |
3,78,496.00 |
|
Total Segment Assets |
10,68,72,769.00 |
10,68,72,769.00 |
|
Un-allocable Assets |
5,81,307.00 |
5,81,307.00 |
|
Net Segment Assets |
10,74,54,076.00 |
10,74,54,076.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
2,73,46,050.00 |
2,73,46,050.00 |
| 2 |
Corporate / Wholesale Banking |
3,18,00,045.00 |
3,18,00,045.00 |
| 3 |
Retail Banking |
3,88,98,501.00 |
3,88,98,501.00 |
| 4 |
Other Banking Operations |
1,89,579.00 |
1,89,579.00 |
| |
Total Segment Liabilities |
9,82,34,175.00 |
9,82,34,175.00 |
| |
Un-allocable Liabilities |
92,19,901.00 |
92,19,901.00 |
|
Net Segment Liabilities |
10,74,54,076.00 |
10,74,54,076.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
| 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 |
9,24,282.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
4,086.00 |
|
Adjustments for depreciation and amortisation expense |
29,040.00 |
|
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 |
2,19,336.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
2,52,478.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(57,20,798.00) |
|
Adjustments for decrease (increase) in other current assets |
(10,28,369.00) |
|
Adjustments for increase (decrease) in trade payables |
76,79,666.00 |
|
Adjustments for increase (decrease) in other current liabilities |
(1,54,015.00) |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
7,76,484.00
|
|
Total adjustments for reconcile profit (loss) |
10,28,962.00 |
|
Net cash flows from (used in) operations |
19,53,244.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
1,83,969.00 |
|
Other inflows (outflows) of cash |
15,242.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
17,84,517.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
17,84,517.00 |
| 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 |
840.00 |
|
Purchase of tangible assets |
19,918.00 |
|
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 |
(19,078.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(19,078.00) |
| 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 |
2,45,821.00 |
|
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 |
(2,45,821.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(2,45,821.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
15,19,618.00
|
| 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 |
15,19,618.00
|
|
Cash and cash equivalents cash flow statement at beginning of period |
65,69,969.00 |
|
Cash and cash equivalents cash flow statement at end of period |
80,89,587.00 |