ALFA Finder| Margins | NIM at 3.24% for FY26; FY27 guidance slightly lower at 3.10-3.25%. |
|---|---|
| Order book | Sanctioned and unavailed loans at ₹34,000-35,000 crore. |
| Demand visibility | Strong pipeline of ₹51,000 crore; traction in green energy and data centers. |
| Management confidence | High confidence in credit quality and resilience despite global geopolitical headwinds. |
Growth
Advances grew 13.43% YoY, led by RAM (15.18%) and Jewel loans (28%). NII reached ₹26,915 crore (+6.91% YoY).
Outlook
FY27 Guidance: Advances growth 11-13%, Deposits 9-11%, NIM 3.10-3.25%, ROA 1.20-1.30%, and GNPA 1.50-1.60%.
Risks
Elevated cost of deposits impacting NIM; treasury profit pressure; potential impact of new ECL provisioning guidelines.
Earnings Call filed with NSE, NSE: INDIANB. Summary written with AI assistance from the document.
Indian Bank: key numbers
- Share price
- ₹939.40
- Market cap
- ₹1,26,534 Cr
- Revenue (annual)
- ₹67,504 Cr
- Net profit (annual)
- ₹11,704 Cr
- P/E (TTM)
- 9.6×Sector 20.8×
- Promoter holding
- 73.84%+0.00% QoQ
- FII holding
- 6.87%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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