Indian Bank Ltd, Fundamental analysis

Indian Bank Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	4
Equity Latest Equity	1346.96
Face Value Latest Face Value	10
Reserves Total Reserve	75489.47
Dividend Full Year Dividend %	183
Sales Turnover Full Year Net Sales	78332.7
Net Profit Full Year Net Profit	11704.02
Full Year CPS Full Year Cash Per Share	91.4
Earning Per Share Full Year Earning Per Share	86.9
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	20997.38
Previous EPS Previous earnings per share	0
Book Value Book value	570.4
Networth Full Year Return on Networth	17.81
Price/Book Value Price to Book value	1.448107
Yearly PE ratio Full Year Price to Earning per share	9.5
Yearly PC ratio Full Year Price to Cash Per Share	9
Bse value BSE Value in lakhs	481.11
Nse value NSE Value in lakhs	11789.96
High 52 week high	1000
Low 52 week low	606
Price NSE Current market price	826
CPM Current market price	826

Market cap BSE / NSE Market Cap	111313.1
Net profit Latest Quarter Net Profit	3356.63
Net profit variance Latest Quarter Net Profit variance	20
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	68469.82
TTM OP Trailing Twelve 12 month Operating Profit	47795.84
TTM OPM Trailing Twelve 12 month Operating Profit Margin	69.81
TTM GP Trailing Twelve 12 month Gross Profit	16794.64
TTM GPM Trailing Twelve 12 month Gross Profit Margin	20.88
TTM NP Trailing Twelve 12 month Net Profit	9871.34
TTM NPV Trailing Twelve 12 month Net Profit Variane	11.39
TTM EPS Trailing Twelve 12 month EPS	94.91
TTM PE Trailing Twelve 12 month PE	8.71
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	1346.96
LTP Latest Price (BSE/NSE)	826
Gross block Latest Gross Block	15829.06
Loans Total loans	827654.01
Advances Latest Advances for Banks	654888.23
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	73.6
Year GPM Full Year Gross Profit Margin	21.8
Quarter OPM Latest quater Operation Profit Margin	71.7

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	15,369	15,770	15,860	16,285	16,628	17,102	17,489	18,095
YOY Sales Growth %	12%	11%	8%	8%	8%	8%	10%	11%
Gross Sales	15,369	15,770	15,860	16,285	16,628	17,102	17,489	18,095
+ Expenses	5,144	5,102	5,097	5,647	5,108	5,493	5,811	5,946
Manufacturing Cost %	10%	10%	10%	14%	10%	11%	11%	9%
Employee Cost %	16%	15%	17%	16%	16%	16%	16%	17%
Other Cost %	7%	7%	5%	4%	4%	5%	7%	7%
Other Manufacturing Expenses %	10%	10%	10%	14%	10%	11%	11%	9%
Provisions & Contingencies %	7%	7%	5%	4%	4%	5%	7%	7%
Operating Profit	10,225	10,668	10,762	10,638	11,520	11,610	11,677	12,149
OPM %	67%	68%	68%	65%	69%	68%	67%	67%
+ Other Income	2,602	2,397	2,935	2,621	2,643	2,793	2,773	2,902
Miscellaneous Income	2,602	2,397	2,935	2,621	2,643	2,793	2,773	2,902
Interest / Discount on Advances or Bills	11,125	11,426	11,457	11,738	11,964	12,449	12,702	13,123
Interest on Investments	3,813	3,894	3,906	3,946	4,053	4,006	4,112	4,226
Interest on Balances with RBI	390	409	388	395	428	390	439	401
Other Interest	41	41	109	207	182	257	235	345
Interest	9,154	9,345	9,467	9,924	10,040	10,203	10,372	10,657
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	3,674	3,721	4,230	3,335	4,123	4,199	4,078	4,394
+ Tax %	25%	23%	30%	33%	26%	27%	24%	25%
Current Tax	934	845	1,268	1,116	1,082	1,113	963	1,095
+ Net Profit	2,801	2,910	2,982	2,277	3,109	3,148	3,174	3,357
Extraordinary Income / Expense	0	0	0	-767	0	0	0	0
Exceptional Item	0	0	0	-767	0	0	0	0
Profit / Loss of Associates	61	34	21	59	68	61	58	58
Minority Interest (After Tax)	-1	0	0	-1	-1	-1	-1	-1
Net Profit After Minority Interest	2,800	2,910	2,982	2,276	3,108	3,147	3,173	3,357
EPS in Rs	20.79	21.60	22.14	16.90	23.07	23.36	23.56	24.92

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	16,039	17,115	19,182	21,401	39,108	38,888	44,985	55,650	62,039	67,504
Sales Growth %		7%	12%	12%	83%	-1%	16%	24%	11%	9%
Gross Sales	16,040	17,114	19,183	21,401	39,108	38,888	44,985	55,650	62,039	67,504
+ Expenses	5,610	7,605	8,624	9,551	18,855	20,876	22,082	20,847	20,337	22,059
Manufacturing Cost %	1%	1%	0%	0%	1%	1%	0%	0%	0%	0%
Employee Cost %	12%	12%	12%	12%	16%	17%	17%	17%	16%	16%
Other Cost %	22%	32%	33%	33%	31%	36%	32%	20%	16%	16%
Other Manufacturing Expenses %	1%	1%	0%	0%	1%	1%	0%	0%	0%	0%
Selling & Administration %	4%	4%	4%	3%	4%	4%	4%	3%	3%	3%
Miscellaneous Expenses %	21%	24%	27%	28%	25%	30%	27%	16%	12%	11%
Provisions & Contingencies %	14%	23%	24%	24%	21%	24%	21%	11%	7%	5%
Operating Profit	10,430	9,510	10,558	11,850	20,253	18,012	22,903	34,802	41,702	45,445
OPM %	65%	56%	55%	55%	52%	46%	51%	63%	67%	67%
+ Other Income	2,222	2,417	1,891	3,326	6,111	7,380	7,805	8,582	10,011	10,829
Miscellaneous Income	2,211	2,406	1,890	3,326	6,071	7,380	7,805	8,582	10,011	10,829
Interest / Discount on Advances or Bills	11,461	11,857	13,982	15,933	27,437	26,884	31,941	40,619	44,856	48,854
Interest on Investments	4,424	5,113	5,043	5,275	11,170	10,998	11,690	13,435	15,348	16,117
Interest on Balances with RBI	126	122	140	177	426	852	878	1,388	1,590	1,653
Other Interest	29	22	18	16	75	155	476	208	246	881
Interest	10,891	10,851	12,167	13,798	23,439	22,129	24,717	32,341	36,826	40,539
Depreciation	166	237	259	314	637	601	532	531	543	609
Profit before tax	1,758	1,076	284	1,378	2,925	3,263	5,990	11,044	14,887	15,735
+ Tax %	-20%	17%	13%	45%	3%	-23%	11%	26%	26%	27%
Current Tax	-353	183	38	619	99	-741	633	2,888	3,869	4,248
+ Net Profit	1,448	1,307	381	862	3,151	4,144	5,574	8,423	11,264	10,940
Profit Growth %		-10%	-74%	136%	298%	32%	33%	53%	35%	4%
Extraordinary Income / Expense	0	0	0	0	0	0	0	0	0	-767
Exceptional Item	0	0	0	0	0	0	0	0	0	-767
Profit / Loss of Associates	42	48	60	104	135	150	243	293	270	-520
Minority Interest (After Tax)	-2	-1	-1	-1	-1	-2	-1	-3	-3	-2
Net Profit After Minority Interest	1,453	1,311	380	861	3,149	4,142	5,572	8,419	11,261	11,704
EPS in Rs	29.42	26.29	6.68	12.45	26.70	32.07	42.80	60.35	81.63	90.77

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	480	480	480	609	1,129	1,245	1,245	1,347	1,347	1,347
Reserves	16,954	18,235	19,235	22,159	38,329	43,706	48,261	58,901	70,166	78,696
+ Borrowings	195,117	228,022	254,178	281,015	562,793	610,788	643,216	711,096	778,651	874,461
Secured Borrowings	12,637	19,760	12,138	20,830	24,763	17,218	22,092	23,143	41,552	46,807
Unsecured Borrowings	182,480	208,262	242,041	260,184	538,030	593,571	621,123	687,953	737,098	827,654
Deferred Credit	2,216	959	1,951	2,881	4,777	1,859	1,933	2,694	1,503	4,749
+ Other Liabilities	5,957	6,244	6,494	6,359	23,285	18,356	20,612	24,365	26,875	37,049
Current Liabilities	5,938	6,224	6,474	6,338	23,262	19,308	21,611	25,452	28,086	38,385
Minority Interest	19	20	20	21	23	25	26	29	32	35
Total Liabilities	218,507	252,981	280,388	310,141	625,535	674,096	713,334	795,709	877,039	991,553
+ Fixed Assets	3,436	3,421	3,964	3,898	7,392	7,694	7,472	7,538	8,854	8,674
Gross Block	5,149	5,359	6,091	6,298	12,087	12,908	13,239	13,672	15,473	15,829
Accumulated Depreciation	1,713	1,937	2,127	2,400	4,695	5,214	5,767	6,135	6,619	7,155
CWIP	11	1	1	1	0	5	9	2	3	3
Investments	67,781	71,619	65,272	81,871	178,292	176,502	188,366	215,242	228,421	247,682
+ Other Assets	147,280	177,940	211,152	224,371	439,850	489,896	517,487	572,927	639,760	735,194
Cash Equivalents	10,047	12,934	20,028	13,936	51,504	79,968	50,217	42,177	54,961	65,700
Loans n Advances	137,232	165,007	191,124	210,434	388,346	410,905	468,296	531,867	586,043	670,865
Other asset items	0	0	0	0	0	-977	-1,025	-1,117	-1,244	-1,370
Total Assets	218,507	252,981	280,388	310,141	625,535	674,096	713,334	795,709	877,039	991,553

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-10,814	-3,676	6,270	-8,396	17,065	28,750	-27,894	-8,617	17,396	18,815
Profit from Operations	4,216	5,295	5,199	6,401	12,817	14,614	16,930	17,139	20,353	19,009
Working Capital Changes	-15,030	-8,970	1,071	-14,798	4,248	14,136	-44,824	-25,757	-2,957	-194
Profit Before Tax & Extraordinary Items	1,455	1,311	381	862	3,151	4,144	5,574	8,423	11,264	11,707
Depreciation	166	237	259	314	637	601	532	531	543	609
Interest (Net)	0	0	0	278	644	750	734	711	600	360
Profit / Loss on Sale of Assets	1	2	2	-1	0	-3	0	2	-2	0
Provisions & Write-offs (Net)	2,594	3,744	4,557	4,948	8,385	9,123	10,091	7,473	7,948	6,334
Loans & Advances	1,356	-28,861	-24,693	-20,913	-30,253	-34,967	-66,715	-69,248	-59,626	-85,650
Change in Borrowing	0	0	-8,623	8,693	-7,267	-6,945	4,875	2,050	20,409	10,254
Change in Deposits	4,221	25,782	33,779	18,144	49,526	55,541	27,552	66,830	49,145	90,556
+ Cash from Investing Activity	-179	-214	-176	-247	21,233	-305	-314	-618	-348	-428
Purchase of Fixed Assets	-184	-223	-256	-259	-560	-323	-334	-627	-540	-454
Sale of Fixed Assets	5	9	8	12	16	18	20	9	192	26
Others	0	0	73	0	21,778	0	0	0	0	0
+ Cash from Financing Activity	9,041	6,776	1,000	2,552	1,866	18	-1,543	1,195	-4,264	-7,649
Proceeds from Issue of Shares	0	0	0	2,829	0	1,650	0	4,000	0	0
Proceeds from Issue of Debentures	0	0	0	0	4,000	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	0	0	1,000	0	0	0	0	0	0	0
Redemption of Debentures	0	0	0	0	-1,500	-600	0	-1,000	-2,000	-5,000
Dividend Paid	-72	-288	0	0	0	-249	-810	-1,071	-1,616	-2,189
Interest Paid	0	0	0	-277	-632	-782	-734	-734	-647	-460
Others	9,113	7,065	0	0	-3	0	0	0	0	0
Net Cash Flow	-1,952	2,886	7,094	-6,091	40,163	28,464	-29,751	-8,040	12,784	10,738