{"id":28062,"date":"2026-01-24T06:56:37","date_gmt":"2026-01-24T06:56:37","guid":{"rendered":"https:\/\/faceinews.com\/?p=28062"},"modified":"2026-01-24T06:56:37","modified_gmt":"2026-01-24T06:56:37","slug":"indian-bank-q3-results-financial-results-for-the-quarter-nine-month-ended-31st-december-2025","status":"publish","type":"post","link":"https:\/\/www.faceinews.com\/?p=28062","title":{"rendered":"Indian Bank Q3 Results: Financial Results for the Quarter\/Nine Month ended 31st December 2025"},"content":{"rendered":"

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Indian Bank Q3 Results: Financial Results for the Quarter\/Nine Month ended 31st December 2025<\/p>\n

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January 23, 2026<\/p>\n

Indian Bank Q3 Results: Financial Results for the Quarter\/Nine Month ended 31st December 2025<\/p>\n

Key Highlights (Quarter ended Dec\u201925 over Dec\u201924)<\/p>\n

 <\/p>\n

\u2022 Net Profit up by 7.33% YoY at \u20b93061 Cr in Dec\u201925 from \u20b92852 Cr in Dec\u201924<\/p>\n

\u2022 Operating Profit improved by 5.79% YoY to \u20b95024 Cr in Dec\u201925 from \u20b94749 Cr in Dec\u201924<\/p>\n

\u2022 Net Interest Income increased by 7.50% YoY to \u20b96896 Cr in Dec\u201925 from \u20b96415 Cr in Dec\u201924<\/p>\n

\u2022 Fee based income grew by 7.20% YoY to \u20b9998 Cr in Dec\u201925 from \u20b9931 Cr in Dec\u201924<\/p>\n

\u2022 Cost of Deposit reduced by 25 bps to 4.93% in Dec\u201925 from 5.18% in Dec\u201924<\/p>\n

\u2022 Return on Equity (RoE) stood at 19.11% in Dec\u201925<\/p>\n

\u2022 Return on Asset (RoA) stood at 1.30% in Dec\u201925<\/p>\n

\u2022 Yield on Advances (YoA) stood at 8.31% in Dec\u201925<\/p>\n

\u2022 Yield on Investments (YoI) stood at 6.95% in Dec\u201925<\/p>\n

\u2022 Cost-to-Income Ratio stood at 46.90% in Dec\u201925<\/p>\n

\u2022 Gross Advances increased by 14.24% YoY to \u20b9638848 Cr in Dec\u201925 from \u20b9559199 Cr in Dec\u201924<\/p>\n

\u2022 RAM (Retail, Agriculture & MSME) advances grew by 16.65% YoY to \u20b9390459 Cr in Dec\u201925 from \u20b9334739 Cr in Dec\u201924<\/p>\n

\u2022 RAM contribution to gross domestic advances stood at 66.06%. Retail, Agri & MSME advances grew by 18.54%, 15.14% and 16.41% YoY respectively. Home Loan (including mortgage) grew by 14.20% YoY in Dec\u201925<\/p>\n

\u2022 Priority sector advances as a percentage of ANBC stood at 43.75% (\u20b9215127 Cr) in Dec\u201925 as against the regulatory requirement of 40%<\/p>\n

\u2022 Total Deposits increased by 12.62% YoY and reached to \u20b9790923 Cr in Dec\u201925 as against \u20b9702282 Cr in Dec\u201924. Current, Savings & CASA deposits grew by 19.13%, 8.45%, and 9.86% YoY respectively<\/p>\n

\u2022 Domestic CASA ratio stood at 39.08% as on 31st Dec\u201925<\/p>\n

\u2022 CD ratio stood at 80.77% as on 31st Dec\u201925<\/p>\n

\u2022 GNPA% decreased by 103 bps YoY to 2.23% in Dec\u201925 from 3.26% in Dec\u201924, NNPA% reduced by 6 bps to 0.15% in Dec\u201925 from 0.21% in Dec\u201924<\/p>\n

\u2022 Provision Coverage Ratio (PCR, including TWO) improved by 19 bps YoY to 98.28% in Dec\u201925 from 98.09% in Dec\u201924<\/p>\n

\u2022 Slippage Ratio reduced by 9 bps to 0.69% in Dec\u201925 from 0.78% in Dec\u201924<\/p>\n

\u2022 Capital Adequacy Ratio improved by 66 bps to 16.58%. CET-I improved by 127 bps YoY to 14.54%, Tier I Capital improved by 77 bps YoY to 14.54% in Dec\u201925<\/p>\n

\u2022 Earnings Per Share (EPS) increased to \u20b990.92 in Dec\u201925 from \u20b984.70 in Dec\u201924<\/p>\n

 <\/p>\n

Key Highlights (Quarter ended Dec\u201925 over Sep\u201925)<\/p>\n

\u2022 Net Profit up by 1.42% QoQ to \u20b93061 Cr in Dec\u201925 from \u20b93018 Cr in Sep\u201925\u2022 NIM (Domestic) increased by 6 bps to 3.40% in Dec\u201925 from 3.34% in Sep\u201925<\/p>\n

\u2022 GNPA decreased by 37 bps to 2.23% in Dec\u201925 from 2.60% in Sep\u201925, NNPA reduced by<\/p>\n

1 bps to 0.15% in Dec\u201925 from 0.16% in Sep\u201925<\/p>\n

\u2022 Slippage ratio decreased to 0.69% in Dec\u201925 from 0.79% in Sep\u201925.<\/p>\n

\u2022 Credit Cost decreased by 5 bps to 0.21% in Dec\u201925 from 0.26% in Sep\u201925<\/p>\n

 <\/p>\n

Key Highlights (Quarter ended Dec\u201925 over Sep\u201925)<\/p>\n

\u2022 Net Profit up by 13.69% YoY to \u20b99053 Cr in 9MFY26 from \u20b97962 Cr in 9MFY25<\/p>\n

\u2022 Operating Profit increased by 4.66% YoY to \u20b914630 Cr in 9MFY26 from \u20b913980 Cr in 9MFY25<\/p>\n

\u2022 Net Interest Income grew by 5.42% YoY to \u20b919805 Cr in 9MFY26 from \u20b918787 Cr in 9MFY25<\/p>\n

\u2022 Net Interest Margin (NIM) Domestic stood at 3.37% in 9MFY26<\/p>\n

\u2022 Cost of Deposit reduced by 10 bps to 5.02% in 9MFY26 from 5.12% in 9MFY25<\/p>\n

\u2022 Return on Assets (RoA) improved by 1 bps to 1.32% in 9MFY26 from 1.31% in 9MFY25<\/p>\n

\u2022 Return on Equity (RoE) stood at 19.66% in 9MFY26<\/p>\n

\u2022 Cost-to-Income Ratio stood at 46.40% in 9MFY26<\/p>\n

Network:<\/p>\n

\u2022 The Bank has 5965 domestic branches (including 3 DBUs), out of which 2001 are Rural, 1592 are Semi-Urban, 1191 are Urban & 1181 are in Metro category. The Bank has 3 overseas branches & 1 IBU (Gift City Branch).<\/p>\n

\u2022 The Bank has 5624 ATMs & BNAs and 16,247 number of Business Correspondents (BCs).<\/p>\n

Digital Banking:<\/p>\n

\u2022 Business of \u20b91,98,350 Cr has been generated through Digital Channels in 9MFY26. A total of 147 Digital Journeys, Utilities and Processes have been launched so far.<\/p>\n

\u2022 Number of Mobile Banking users has grown by 21% year over year, reaching 2.25 Cr.<\/p>\n

\u2022 UPI users and Net Banking users have witnessed an increase of 21% & 5% YoY reaching 2.52 Cr and 1.18 Cr respectively. Debit card & POS users increased by 7% & 15% respectively.<\/p>\n

Awards & Accolades:<\/p>\n

\u2022 The Bank received prestigious SKOCH Golden Award for \u201cIB SAATHI\u201d and Silver Award for \u201cSecurity Operations\u201d.<\/p>\n

\u2022 The MD & CEO of the Bank received \u201cCEO of the Year\u201d award at Tamil Nadu Business Leader of the Year, Industry-wise Awards 2025.<\/p>\n

\u2022 Bank has received Special Mention under Best IT Risk Management & Best Technology Bank at IBA\u2019s 21st Annual Banking Technology Conference 2024-25.<\/p>\n

\u2022 The Bank received \u201cRed Hat APAC Innovation Award 2025\u201d for Cloud Native Development.<\/p>\n

\u2022 The Bank received the VMware \u2013 India Cloud Leader Award 2025 in recognition of its leadership in cloud technology and innovation.<\/p>\n

\u2022 Indian Bank has received \u201cNarakas Rajbhasha Samman\u201d (Third Prize in Region \u2018C\u2019) from the Department of Official Language, Ministry of Home Affairs, GoI.<\/p>\n

\u2022 The Executive Director, Shri Brajesh Kumar Singh and Chief General Manager Shri Sudhir Kumar Gupta received \u201cExecutive of the Year\u201d and \u201cChief General Manager of the Year\u201d respectively at UP Banking Leadership Summit & Awards 2025 ceremony.<\/p>\n

Our Focus<\/p>\n

Our focus is on building efficiency across operations to deliver faster, simpler, and more reliable banking experiences. We aim to maintain strong asset quality through prudent lending and disciplined portfolio management. We remain committed to the highest standards of governance and regulatory adherence, ensuring transparency and trust. At the core, growth will be driven by customer centric initiatives expanding digital access, strengthening CASA and MSME offerings, and providing responsive service to meet evolving needs.<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Indian Bank Q3 Results: Financial Results for the Quarter\/Nine Month ended 31st December 2025 January 23, 2026 Indian Bank Q3 Results: Financial Results for the Quarter\/Nine Month ended 31st December 2025 Key Highlights (Quarter ended Dec\u201925 over Dec\u201924)   \u2022 Net Profit up by 7.33% YoY at \u20b93061 Cr in Dec\u201925 from \u20b92852 Cr in […]<\/p>\n","protected":false},"author":2,"featured_media":28063,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32,29,10,30,11,27,34,28],"tags":[],"class_list":["post-28062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-classifieds","category-corporate","category-finance","category-new-hopes","category-news","category-technology","category-value-added-services"],"_links":{"self":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/28062","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28062"}],"version-history":[{"count":1,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/28062\/revisions"}],"predecessor-version":[{"id":28064,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/posts\/28062\/revisions\/28064"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=\/wp\/v2\/media\/28063"}],"wp:attachment":[{"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.faceinews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}