Market Cap ₹86670 Cr.
Stock P/E 7.9
P/B 1.3
Current Price ₹643.5
Book Value ₹ 477.5
Face Value 10
52W High ₹658.5
Dividend Yield 2.53%
52W Low ₹ 474.1
Indian Bank offers deposits, loans and services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Company gives merchandise below various categories, including agriculture, corporate, personal/character, enterprise, professional self-hired, small and medium-sized corporation (SME), cards, training, Non-Resident Indian (NRI), belongings and technology. Its deposits include financial savings bank (SB) account, together with SB Vikas Khata, SB Platinum, SB Power, SB Silver and SB Gold; current account, inclusive of Premium Current Account and IB i-Freedom Current Account; term deposits, including fixed deposit, re-funding plan, insured ordinary deposit, variable routine deposit and facility deposit, and NRI debts, such as Non-Resident Ordinary Account. It additionally gives offerings, which consist of top class services, coverage offerings and e-fee of indirect taxes. The Bank has about 70 specialised branches throughout the country.
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| #(Fig in Cr.) | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 11836 | 12255 | 13050 | 13764 | 14203 | 14633 | 15041 | 15369 | 15770 | 15860 |
| Other Income | 1926 | 2161 | 1871 | 2166 | 2113 | 2432 | 2077 | 2602 | 2397 | 2935 |
| Total Income | 13762 | 14416 | 14921 | 15929 | 16315 | 17065 | 17118 | 17971 | 18168 | 18794 |
| Interest Expense | 6335 | 6736 | 7346 | 8003 | 8383 | 8609 | 8861 | 9154 | 9345 | 9467 |
| Operating Expenditure | 3345 | 3640 | 3418 | 3599 | 3809 | 4127 | 3733 | 4045 | 4042 | 4303 |
| Provisions and contingencies | 2516 | 2562 | 1744 | 1551 | 1349 | 1251 | 1261 | 1099 | 1060 | 794 |
| Operating Profit | 1567 | 1477 | 2415 | 2777 | 2774 | 3078 | 3263 | 3674 | 3721 | 4230 |
| Profit Before Tax | 1567 | 1477 | 2415 | 2777 | 2774 | 3078 | 3263 | 3674 | 3721 | 4230 |
| Provision for Tax | 159 | 15 | 690 | 769 | 638 | 818 | 846 | 934 | 845 | 1268 |
| Profit After Tax | 1408 | 1462 | 1724 | 2008 | 2136 | 2260 | 2417 | 2740 | 2876 | 2961 |
| Adjustments | 47 | 58 | 125 | 60 | 69 | 35 | 153 | 60 | 34 | 20 |
| Profit After Adjustments | 1454 | 1520 | 1850 | 2068 | 2206 | 2296 | 2570 | 2800 | 2910 | 2982 |
| Adjusted Earnings Per Share | 11.7 | 12.2 | 14.9 | 16.6 | 16.4 | 17 | 19.1 | 20.8 | 21.6 | 22.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 15853 | 16244 | 16039 | 17115 | 19182 | 21401 | 39108 | 38888 | 44985 | 55650 | 62039 | 62040 |
| Other Income | 1372 | 1789 | 2222 | 2417 | 1891 | 3326 | 6111 | 7380 | 7805 | 8582 | 10011 | 10011 |
| Total Income | 17226 | 18033 | 18262 | 19532 | 21074 | 24727 | 45219 | 46268 | 52790 | 64232 | 72051 | 72051 |
| Interest Expense | 11390 | 11795 | 10891 | 10851 | 12167 | 13798 | 23439 | 22129 | 24717 | 32341 | 36826 | 36827 |
| Operating Expenditure | 2825 | 3202 | 3363 | 3673 | 4028 | 4433 | 10789 | 11354 | 12725 | 14953 | 16123 | 16123 |
| Provisions and contingencies | 1534 | 2077 | 2241 | 3927 | 4595 | 5119 | 8075 | 9532 | 9384 | 5921 | 4238 | 4214 |
| Operating Profit | 1477 | 958 | 1765 | 1080 | 283 | 1377 | 2917 | 3253 | 5963 | 11017 | 14864 | 14888 |
| Profit Before Tax | 1477 | 958 | 1765 | 1080 | 283 | 1377 | 2917 | 3253 | 5963 | 11017 | 14864 | 14888 |
| Provision for Tax | 463 | 244 | 353 | -183 | -38 | 619 | -99 | -741 | 633 | 2888 | 3869 | 3893 |
| Profit After Tax | 1013 | 715 | 1413 | 1263 | 321 | 758 | 3016 | 3994 | 5330 | 8129 | 10995 | 10994 |
| Adjustments | 35 | 37 | 40 | 48 | 59 | 103 | 133 | 148 | 242 | 290 | 267 | 267 |
| Profit After Adjustments | 1049 | 751 | 1453 | 1311 | 380 | 861 | 3149 | 4142 | 5572 | 8419 | 11261 | 11262 |
| Adjusted Earnings Per Share | 21.8 | 15.6 | 30.3 | 27.3 | 7.9 | 14.1 | 27.9 | 33.3 | 44.7 | 62.5 | 83.6 | 83.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 11% | 17% | 24% | 15% |
| Operating Profit CAGR | 35% | 66% | 61% | 26% |
| PAT CAGR | 35% | 40% | 71% | 27% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 18% | 63% | 60% | 16% |
| ROE Average | 19% | 16% | 14% | 10% |
| ROCE Average | 17% | 15% | 12% | 9% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 15029 | 16490 | 17434 | 18715 | 19715 | 22768 | 39458 | 44952 | 49507 | 60248 | 71513 |
| Minority's Interest | 16 | 17 | 19 | 20 | 20 | 21 | 23 | 25 | 26 | 29 | 32 |
| Deposits | 169204 | 178259 | 182480 | 208262 | 242041 | 260184 | 538030 | 593571 | 621123 | 687953 | 737098 |
| Borrowings | 2646 | 3509 | 12637 | 19760 | 12138 | 20830 | 24763 | 17218 | 22092 | 23143 | 41552 |
| Other Liabilities & Provisions | 6140 | 5666 | 5938 | 6224 | 6474 | 6338 | 23262 | 18331 | 20585 | 24335 | 26843 |
| Total Liabilities | 193036 | 203941 | 218507 | 252981 | 280388 | 310141 | 625535 | 674096 | 713334 | 795709 | 877039 |
| Cash and balance with RBI | 8301 | 9174 | 5589 | 10502 | 11702 | 5736 | 27545 | 58555 | 32693 | 32703 | 31948 |
| Bank Balance | 4781 | 2825 | 4459 | 2432 | 8326 | 8200 | 23959 | 21414 | 17524 | 9474 | 23014 |
| Investments | 46060 | 53283 | 67781 | 71619 | 65272 | 81871 | 178292 | 176502 | 188366 | 215242 | 228421 |
| Advances | 125870 | 129055 | 127708 | 156569 | 181262 | 197887 | 362669 | 389186 | 449294 | 514889 | 571071 |
| Fixed Assets | 2969 | 3508 | 3436 | 3421 | 3964 | 3898 | 7391 | 7693 | 7470 | 7523 | 8826 |
| Other Assets | 5049 | 6088 | 9525 | 8438 | 9862 | 12547 | 25677 | 20742 | 17976 | 15861 | 13728 |
| Total Assets | 193036 | 203941 | 218507 | 252981 | 280388 | 310141 | 625535 | 674096 | 713334 | 795709 | 877039 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 10494 | 13082 | 12000 | 10047 | 12934 | 20028 | 11175 | 51504 | 79968 | 50217 | 42177 |
| Cash Flow from Operating Activities | 5136 | -931 | -10814 | -3676 | 6270 | -8396 | 17231 | 28750 | -27894 | -8617 | 17396 |
| Cash Flow from Investing Activities | -236 | -772 | -179 | -214 | -249 | -247 | -545 | -305 | -314 | -618 | -348 |
| Cash Flow from Financing Activities | -2312 | 620 | 9041 | 6776 | 1000 | 2552 | 1866 | 18 | -1543 | 1195 | -4264 |
| Net Cash Inflow / Outflow | 2588 | -1082 | -1952 | 2886 | 7021 | -6091 | 18552 | 28464 | -29751 | -8040 | 12784 |
| Closing Cash & Cash Equivalent | 13082 | 12000 | 10047 | 12934 | 20028 | 13936 | 51504 | 79968 | 50217 | 42177 | 54961 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 21.84 | 15.64 | 30.25 | 27.29 | 7.91 | 14.15 | 27.88 | 33.26 | 44.74 | 62.51 | 83.61 |
| CEPS(Rs) | 23.99 | 18.02 | 32.88 | 31.23 | 12.08 | 17.61 | 32.31 | 36.89 | 47.07 | 64.3 | 85.66 |
| DPS(Rs) | 4.2 | 1.5 | 6 | 6 | 0 | 0 | 2 | 6.5 | 8.6 | 12 | 16.25 |
| Book NAV/Share(Rs) | 265.54 | 285.42 | 306.76 | 335.09 | 346.05 | 373.97 | 349.38 | 311.06 | 348.47 | 402.93 | 477.46 |
| Yield on Advances | 12.59 | 12.59 | 12.56 | 10.93 | 10.58 | 10.81 | 10.78 | 9.99 | 10.01 | 10.81 | 10.86 |
| Yield on Investments | 8.31 | 8.37 | 7.81 | 8.06 | 7.99 | 7.52 | 7.46 | 7.16 | 6.41 | 6.65 | 7.12 |
| Cost of Liabilities | 6.63 | 6.49 | 5.58 | 4.76 | 4.79 | 4.91 | 4.16 | 3.62 | 3.84 | 4.55 | 4.73 |
| NIM (Net Interest Margin) | 2.41 | 2.29 | 2.5 | 2.6 | 2.63 | 2.59 | 2.64 | 2.6 | 2.95 | 3.02 | 2.95 |
| Interest Spread | 5.97 | 6.1 | 6.98 | 6.17 | 5.8 | 5.91 | 6.62 | 6.37 | 6.17 | 6.26 | 6.13 |
| ROA(%) | 0.53 | 0.36 | 0.67 | 0.54 | 0.12 | 0.26 | 0.64 | 0.61 | 0.77 | 1.08 | 1.31 |
| ROE(%) | 8.29 | 5.4 | 9.94 | 8.19 | 1.96 | 3.85 | 9.69 | 10.21 | 12.98 | 16.65 | 18.54 |
| ROCE(%) | 9.04 | 6.42 | 8.4 | 5.07 | 3.47 | 5.78 | 7.67 | 7.04 | 11.21 | 16.6 | 17.3 |
| PER(x) | 7.92 | 6.69 | 9.24 | 10.97 | 35.19 | 3.05 | 4.17 | 4.62 | 6.44 | 8.33 | 6.49 |
| Price/Book(x) | 0.65 | 0.37 | 0.91 | 0.89 | 0.8 | 0.12 | 0.33 | 0.49 | 0.83 | 1.29 | 1.14 |
| Dividend Yield(%) | 2.43 | 1.43 | 2.15 | 2 | 0 | 0 | 1.72 | 4.23 | 2.99 | 2.3 | 3 |
| EV/Net Sales(x) | 0.69 | 0.53 | 1.62 | 1.99 | 1.33 | 1.1 | 0.97 | 0.94 | 1.29 | 1.68 | 1.85 |
| EV/Core EBITDA(x) | 3.64 | 2.81 | 6.5 | 6.82 | 5.23 | 3.61 | 3.45 | 2.84 | 3.78 | 5.51 | 6 |
| Interest Earned Growth(%) | 3.96 | 2.47 | -1.26 | 6.71 | 12.08 | 11.57 | 82.74 | -0.56 | 15.68 | 23.71 | 11.48 |
| Net Profit Growth | -12.6 | -29.5 | 97.74 | -10.62 | -74.59 | 136.21 | 297.81 | 32.44 | 33.47 | 52.5 | 35.25 |
| Advances Growth | 2.99 | 2.53 | -1.04 | 22.6 | 15.77 | 9.17 | 83.27 | 7.31 | 15.44 | 14.6 | 10.91 |
| EPS Growth(%) | -12.73 | -28.37 | 93.41 | -9.81 | -70.99 | 78.76 | 97.09 | 19.26 | 34.54 | 39.71 | 33.76 |
| Loans/Deposits(x) | 1.56 | 1.97 | 6.93 | 9.49 | 5.01 | 8.01 | 4.6 | 2.9 | 3.56 | 3.36 | 5.64 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.03 | 0.05 | 0.05 | 0.02 | 0.05 | 0.1 | 0.05 | 0.05 | 0.04 |
| Current Ratio(x) | 0.27 | 0.3 | 0.37 | 0.34 | 0.27 | 0.31 | 0.33 | 0.3 | 0.3 | 0.31 | 0.31 |
| Quick Ratio(x) | 1.56 | 1.97 | 6.93 | 9.49 | 5.01 | 8.01 | 4.6 | 2.9 | 3.56 | 3.36 | 5.64 |
| CASA % | 28.78 | 31.28 | 37.09 | 36.96 | 34.71 | 34.65 | 42.3 | 41.77 | 41.99 | 40.77 | 38.37 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 79.86 | 79.86 | 79.86 | 79.86 | 73.84 | 73.84 | 73.84 | 73.84 | 73.84 | 73.84 |
| FII | 3.55 | 4.13 | 3.96 | 4.3 | 5.88 | 5.28 | 5.38 | 4.99 | 4.78 | 4.73 |
| DII | 11.97 | 11.59 | 11.6 | 11.79 | 15.84 | 16.96 | 16.88 | 17.35 | 17.64 | 17.78 |
| Public | 4.62 | 4.43 | 4.58 | 4.05 | 4.44 | 3.92 | 3.9 | 3.82 | 3.74 | 3.65 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 | 99.45 |
| FII | 4.43 | 5.14 | 4.93 | 5.35 | 7.92 | 7.12 | 7.25 | 6.72 | 6.44 | 6.38 |
| DII | 14.91 | 14.43 | 14.45 | 14.68 | 21.34 | 22.84 | 22.74 | 23.37 | 23.76 | 23.95 |
| Public | 5.75 | 5.51 | 5.7 | 5.05 | 5.98 | 5.28 | 5.25 | 5.15 | 5.04 | 4.92 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 124.54 | 124.54 | 124.54 | 124.54 | 134.7 | 134.7 | 134.7 | 134.7 | 134.7 | 134.7 |
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