What the business is, and whether it's a good one at a fair price.
Operates as a private sector bank with Q1 FY27 total business of ₹1,21,715 cr, made up of ₹64,409 cr in deposits and ₹57,306 cr in advances. The retail banking segment is the core earner, making up 69.3% of segment revenue at ₹3,189.28 cr (9-month YTD ending December 2024), driven largely by a gold loan portfolio that represents 47.82% of advances and yields 10.58%. The bank is also growing retail/MSME/agri (RAM) advances at 28.47% YoY, with vehicle loans targeted at 35% growth and home loans at 8-10% in FY27. Treasury operations contribute 21.0% of segment revenue (₹964.85 cr) through investment book gains and yields, while corporate/wholesale banking accounts for 9.7% (₹445.56 cr). Q1 FY27 net profit reached ₹411.51 cr, ROA 2.14%, ROE 15.93%, and NIM 4.29%, with cost-to-income at 39.10%. The main cost drivers are interest paid on deposits (reflected in the bank's deliberate shift to term deposits at 20.73% growth) and planned IT spend of ₹280 cr for FY27, split across infrastructure, software, and cybersecurity.
Measured from the filed financials, judged against its Private Sector Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from TAMILNAD MERCA BANK LTD's filed financials and exchange disclosures
TAMILNAD MERCA BANK LTD is a Banks company listed on NSE and BSE, trading under the symbol TMB.
Yes. Over the trailing twelve months TAMILNAD MERCA BANK LTD reported a net profit of ₹1,444 Cr.
Yes. The dividend yield is 1.20% at the current price. It paid out 13% of its profit as dividend in FY26.
No..
On trailing P/E, TAMILNAD MERCA BANK LTD ranks 7 of 20 in Private Sector Bank — cheaper than 68% of them, against an industry median of 12.4×. This is a position, not a valuation judgement.
On a typical session TAMILNAD MERCA BANK LTD moves 1.03% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by TAMILNAD MERCA BANK LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
