Indian Bank Q4 results: 32% Surge in Q4 Profit, Touches ₹2,956 Crore

Indian Bank Q4 results: Net Profit Surges 32% to ₹2,956 Crore; Dividend Announced at ₹16.25/Share

Kolkata, May 3, 2025 — State-owned Indian Bank stated robust economic overall performance for the fourth quarter of FY25, registering a huge 31.6% yr-on-12 months boom in net profit to ₹2,956 crore, compared to ₹2,247 crore in the corresponding period closing year. The increase in earnings comes on the again of progressed asset excellent, higher income, and sustained mortgage growth across key sectors.

The bank’s internet interest earnings (NII) rose 6% yr-on-12 months to ₹6,389 crore, driven by higher advances and stepped-up credit off-take. The lender also witnessed a 21% surge in other profits, which stood at ₹2,743 crore for the sector. Operating income rose by 17% to ₹5,019 crore, compared to ₹4,305 crore in the same quarter of the previous year, underscoring efficient fee and profit management.

Indian Bank’s internet interest margin (NIM), a key profitability metric, was recorded at three.37% for Q4, slightly decrease than three.44% a year ago. Despite the marginal dip, profitability remained sturdy due to diverse income assets and managed provisions.

The financial institution’s board has endorsed a dividend of ₹sixteen.25 according to the fairness percentage for FY25, which translates to a 162.5% return at the paid-up capital. Indian Bank Q4 results The file date for the dividend payout has been fixed for June 10, 2025.

Indian Bank Q4 results: Improved Asset Quality and Loan Book Expansion

Asset first-rate noticed a marked development, with the gross non-performing assets (GNPA) ratio falling to 3.09%, down 86 basis points from 3.95% last year. Simultaneously, the supply coverage ratio progressed appreciably through 176 foundation points, reaching 98.10%, reflecting the financial institution’s conservative approach in the direction of provisioning and risk management.

Gross advances of the bank multiplied through 10% yr-on-year, attaining ₹five.88 lakh crore through the cease of FY25. This increase was ordinarily led with the aid of a thirteen% growth within the retail, agriculture, and MSME (RAM) segments, which now contribute 64.23% to the financial institution’s overall loan portfolio. This segmental cognizance reflects Indian Bank’s dedication to helping inclusive monetary development.

Total deposits stood at ₹7.37 lakh crore, registering a 7% growth over the previous 12 months. The bank maintained a healthy, modern account and savings account (CASA) ratio of 40.17%, underscoring its sturdy deposit base and strong funding mix.

Indian Bank Q4 results: Capital Raising Plans for Future Growth

Looking in advance, Indian Bank’s board has accepted plans to raise capital to support its destiny growth and digital transformation tasks. The financial institution plans to elevate as much as ₹five,000 crore in equity capital and up to ₹2,000 crore in debt capital, difficulty to vital regulatory approvals and marketplace situations.

This move is predicted to similarly beef up the bank’s stability sheet, improve capital adequacy ratios, and allow the lender to capture growth possibilities in an an increasing number of digital and aggressive financial offerings panorama.

Indian Bank Q4 results: Outlook

The Chennai-founded lender has confirmed sturdy financial resilience and strategic increase momentum in FY25. With progressed profitability, more healthy asset satisfactory, and prudent capital management, Indian Bank is well-placed to navigate destiny financial demanding situations and scale new heights in the coming financial yr.

As the bank maintains its cognizance at the retail and MSME sectors and invests in generation-led transformation, it targets to enhance customer support, improve operational efficiency, and deliver sustainable long-time period fee to stakeholders.

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