Indian Bank’s Business Crosses ₹13.44 Lakh Crore in Q1FY26 as Lending and Deposits See Strong Uptick
By Shishta Dutta | Updated at: Oct 15, 2025 04:41 PM IST
Mumbai, 3 July 2025: Indian Bank has reported robust growth in its business operations for the quarter ending June 30, 2025 (Q1FY26). According to provisional figures filed with the stock exchanges, the public sector lender’s total business surged to ₹13.44 lakh crore, a 10.2% rise year-on-year (YoY). This performance reflects renewed momentum in both credit expansion and deposit mobilisation during the period.
As of 9:24 AM IST on 3 July 2025, Indian Bank’s stock was trading at ₹651.05, marking a marginal increase of ₹0.40 (0.061%) for the day. The stock opened at ₹654.00, touched a high of ₹657.95, and dipped to a low of ₹649.95 during early trading hours. With a market capitalisation of ₹87,690 crore, the stock has a P/E ratio of 7.79, a dividend yield of 2.50%, and a quarterly dividend amount of ₹4.07.
Credit Growth Drives Overall Business Surge in Q1FY26
Indian Bank’s total business, comprising both advances and deposits, expanded from ₹12.20 lakh crore in Q1FY25 to ₹13.44 lakh crore in Q1FY26, marking a 10.2% YoY increase. This growth comes amid improved demand for credit, particularly in the domestic market.
Key Financial Highlights (₹ in Lakh Crore)
| Particulars | Q1FY25 (Reviewed) | Q4FY25 (Audited) | Q1FY26 (Provisional) | YoY Growth (%) |
|---|---|---|---|---|
| Total Business | 12.20 | 13.25 | 13.44 | 10.2% |
| Total Deposits | 6.81 | 7.37 | 7.44 | 9.3% |
| SB Deposits | 2.31 | 2.43 | 2.38 | 3.0% |
| CA Deposits | 0.35 | 0.40 | 0.38 | 8.6% |
| Gross Advances | 5.39 | 5.88 | 6.00 | 11.3% |
| RAM (Domestic) | 3.13 | 3.51 | 3.63 | 16.0% |
Note: The Q1FY26 figures are provisional and subject to review by the Statutory Central Auditors of the Bank.
Lending to Retail, Agriculture, and MSME Sectors Sees Double-Digit Growth
The bank’s domestic Retail, Agriculture, and MSME (RAM) segment posted an impressive 16% YoY increase, reaching ₹3.63 lakh crore in Q1FY26 from ₹3.13 lakh crore a year earlier. This sharp rise highlights Indian Bank’s ongoing focus on expanding its footprint in priority sector lending and small business financing.
Deposits Show Steady Rise, with Strong Current Account Gains
Total deposits grew by 9.3% YoY to ₹7.44 lakh crore in Q1FY26, supported by healthy additions across both savings and current accounts. While Savings Bank (SB) deposits remained largely stable at ₹2.38 lakh crore, Current Account (CA) deposits grew by 8.6% YoY, indicating improved traction from business and institutional clients.
Disclosure in Line with Regulatory Requirements
The bank’s business update has been disclosed in adherence to:
- Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
- Regulation 8 of the SEBI (Prohibition of Insider Trading) Regulations, 2015 pertaining to fair disclosure of unpublished price-sensitive information
Indian Bank Remains Focused on Growth and Resilience
Headquartered in Chennai, Indian Bank is a major public sector bank listed on both the NSE and the BSE. It offers a comprehensive range of banking services across retail, corporate, MSME, and agricultural sectors. The strong performance in Q1FY26 reflects the bank’s steady progress and reinforces its outlook for the remainder of the financial year. With an uptick in credit demand and a solid deposit base, Indian Bank is well-positioned to sustain its growth momentum in FY26.
REF: https://nsearchives.nseindia.com/corporate/INDIANB_02072025193146_Provisional_Business_FiguresQ1_26.pdf
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