A public sector commercial bank generating segment revenue from Retail Banking (40.2% of FY26 segment revenue), Corporate/Wholesale Banking (33.5%), Treasury Operations (24.0%) and Other Banking Operations (2.4%). Retail Banking serves individuals, MSMEs and agricultural borrowers with loans such as home, vehicle, personal, jewel and MSME advances, with RAM accounting for 66% of the loan book. Corporate/Wholesale Banking extends credit to larger companies and institutions, while Treasury Operations invests surplus funds in government and other bonds to earn interest and trading income. Other Banking Operations covers fee-based and ancillary banking services. In Q1 FY27, total business stood at Rs 15.28 lakh crore, gross advances at Rs 6.85 lakh crore and total deposits at Rs 8.45 lakh crore. Net Interest Margin was 3.29% (domestic 3.41%), Gross NPA was 1.86%, Net NPA 0.15% and Provision Coverage Ratio 98.22%. Capital adequacy was comfortable with CAR at 17.58% and CET1 at 16.51%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. RETAIL BANKING (40%), CORPORATE / WHOLESALE BANKING (34%), TREASURY OPERATIONS (24%), OTHER BANKING OPERATIONS (2%). Public sector commercial bank, asset-heavy, sensitive to interest rate cycles
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 4,142 | 5,572 | 8,419 | 11,261 | 11,704 |
| EPS, as reported (₹) | 33.99 | 44.74 | 66.03 | 83.61 | 86.89 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 28,750 | (27,894) | (8,617) | 17,396 | 18,815 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 3,674 | 3,721 | 4,230 | 3,335 | 4,123 | 4,199 | 4,078 | 4,394 |
| Net profit | 2,740 | 2,876 | 2,961 | 2,219 | 3,041 | 3,086 | 3,115 | 3,299 |
| EPS (₹) | 20.79 | 21.60 | 22.14 | 16.90 | 23.07 | 23.36 | 23.56 | 24.92 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| STATE BANK OF INDIA | 9,19,091 | 10.7 | — | — | — | — | — | — |
| UNION BANK OF INDIA | 1,35,955 | 6.6 | — | — | — | — | — | — |
| PUNJAB NATIONAL BANK | 1,34,180 | 6.1 | — | — | — | — | — | — |
| BANK OF BARODA | 1,23,295 | 6.8 | — | — | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 9 Sept 2026 · Bank union UFBU calls strike on multiple dates starting 11 Sept 2026 | capex operations | medium | — | — |
| 9 Sept 2026 · Indian Bank to sell 17.91 percent of its NSE stake via OFS in NSE IPO | capital market events | medium | — | — |
| 8 Sept 2026 · Indian Bank meets Millennium fund house, shares only public info | investor communications | low | — | — |
| 2 Sept 2026 · Newspaper notice on special window for physical share dematerialisation | compliance | minimal | — | — |
| 1 Sept 2026 · RBI penalty of Rs 1.88 lakh on Indian Bank's Currency Chest Satna | regulatory legal | high | — | — |
| 1 Sept 2026 · Indian Bank Revises TBLR Benchmark Rates Across Tenors | credit debt | medium | — | — |
| 20 Aug 2026 · Indian Bank virtual investor meet with CTBC and Commerzbank | investor communications | low | — | — |
| 19 Aug 2026 · Indian Bank Q1FY27 investor presentation filed with exchanges | investor communications | medium | — | — |
| 19 Aug 2026 · Indian Bank files disclosure under SEBI Regulation 30 | compliance | minimal | — | — |
| 17 Aug 2026 · Indian Bank schedules investor meet on 20 Aug 2026 | board shareholder meetings | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| INDIAN BANK ◆ |
| 1,14,963 |
| 9.0 |
| — |
| — |
| — |
| — |
| — |
| — |
| CANARA BANK | 1,12,476 | 5.7 | — | — | — | — | — | — |
| BANK OF MAHARASHTRA | 64,763 | 8.6 | — | — | — | — | — | — |
| INDIAN OVERSEAS BANK | 63,759 | 10.8 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 9.0 | 7.7 | 8 of 12 | 36% |
| Profit growth | 48.7 | 28.3 | 5 of 12 | 64% |
| Market cap | 114963 | 88620 | 5 of 12 | 64% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
