Indian Bank Q3 Results 2026: Net profit rises 7% to ₹3,061 crore, NII up 7.5% YoY

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Chennai, January 22, 2026: Indian Bank, the state-run lender, declared Financial Results for the Quarter Q3, and Nine Month ended 31st December 2025) for the year 25-26 at its Chennai head office, in the presence of Binod Kumar, MD & CEO of Indian Bank, and other dignitaries. The Bank reported a net profit of ₹3,061.48 crore for the third quarter of FY26, marking a 7.3% year-on-year (YoY) increase from ₹2,852.36 crore in the corresponding quarter last year.

Indian Bank Q3 Results 2026: Net profit rises 7% to ₹3,061 crore, NII up 7.5% YoY

The state-owned lender’s Net Interest Income (NII) rose 7.5% YoY to ₹6,895 crore in Q3FY26, compared with ₹6,414 crore a year earlier. Pre-Provision Operating Profit (PPOP) for the December quarter grew 5.77% YoY to ₹5,023.58 crore, up from ₹4,749.42 crore.

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Provisions and contingencies stood at ₹857.02 crore during the quarter, lower than ₹1,059.13 crore in the year-ago period. The Provision Coverage Ratio (PCR) improved by 19 basis points YoY to 98.28% as of December 2025.

The bank’s asset quality showed sequential improvement in Q3FY26. The gross NPA ratio declined to 2.23% from 2.60% in the previous quarter, while the net NPA ratio eased to 0.15% from 0.16%. In absolute terms, gross NPAs fell 11.56% QoQ to ₹14,268.38 crore, and net NPAs declined 1.56% QoQ to ₹967.55 crore. The slippage ratio also improved to 0.69%, compared with 0.79% in September 2025 and 0.78% in December 2024.

Capital adequacy strengthened further during the quarter, with the Capital Adequacy Ratio (CAR) rising 66 basis points to 16.58%. CET-I improved 127 basis points YoY to 14.54%, while Tier I capital increased 77 basis points YoY to 14.54%.

On the balance sheet front, gross advances grew 14.24% YoY to ₹6,38,848 crore as of December 2025, from ₹5,59,199 crore a year earlier. Total deposits rose 12.62% YoY to ₹7,90,923 crore, compared with ₹7,02,282 crore in December 2024. Current, savings and CASA deposits increased 19.13%, 8.45% and 9.86% YoY, respectively, with the domestic CASA ratio at 39.08%. The credit-deposit ratio stood at 80.77%.

As of December 31, 2025, Indian Bank operated 5,965 domestic branches, including 2,001 rural, 1,592 semi-urban, 1,191 urban and 1,181 metro branches. The bank also has three overseas branches, one International Banking Unit (GIFT City), 5,624 ATMs and BNAs, and 16,247 business correspondents across the network.

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