𝘐𝘯𝘥𝘪𝘢𝘯 𝘉𝘢𝘯𝘬 𝘘4𝘍𝘠25 𝘙𝘦𝘴𝘶𝘭𝘵𝘴: 𝘕𝘦𝘵 𝘱𝘳𝘰𝘧𝘪𝘵 𝘫𝘶𝘮𝘱𝘴 32% 𝘠𝘰𝘠 𝘢𝘵 𝘙𝘴 2956 𝘤𝘳𝘰𝘳𝘦; 𝘈𝘴𝘴𝘦𝘵 𝘲𝘶𝘢𝘭𝘪𝘵𝘺 𝘪𝘮𝘱𝘳𝘰𝘷𝘦𝘴

Chennai, May 04, 2025: Indian Bank MD & CEO Binod Kumar today announced Indian Bank Q4FY25 Results at its corporate office. He said that bank achieved a 32% year-on-year rise in net profit for the quarter ended March 31, 2025 (Q4FY25), at ₹2,956 crore, compared with ₹2,247 crore a year earlier, supported by higher operating income and improved asset quality.

Indian Bank said RAM (Retail, Agriculture, and MSME) advances grew 13% YoY, now contributing 64.2% to total domestic credit. Deposits rose 7% YoY to ₹7.37 lakh crore, while the CASA ratio stood at 40.17%.

Net interest income (NII) rose 6.2% to ₹6,389 crore, while operating profit grew 17% YoY to ₹5,019 crore. The gross NPA ratio declined to 3.09% from 3.26% in the previous quarter, and net NPA improved to 0.19% from 0.21%. Provision coverage ratio (PCR) rose to 98.10%.

The bank's return on assets (RoA) improved to 1.37%, and return on equity (RoE) rose to 21.01% in Q4FY25. Cost-to-income ratio improved to 45.05%, while the domestic net interest margin (NIM) stood at 3.48%.

For the full year FY25, net profit rose 35% to ₹10,918 crore, with earnings per share (EPS) climbing to ₹87.78. Capital adequacy ratio improved to 17.94%, with CET-1 at 15.36%.

Mr.Binod Kumar said the bank’s digital push has driven significant engagement, with mobile banking users up 16% and credit card users increasing by 25% YoY. Digital channels generated ₹1.67 lakh crore in business during the year.

The board has recommended a dividend of ₹12.60 per equity share for FY25, subject to shareholder approval.

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