Unaudited (Reviewed) Standalone and Consolidated Financial Result of the Bank for the First Quarter of FY 2026-27 ended on June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 10 Jul 2026, 12:39 PM IST · BSE ID: d6cb7daa-cff3-464c-99e1-8521abf53fe6
View Original BSE Filing (PDF)
💡
In Simple Terms
Indian Bank reported increased standalone net profit of Rs. 3,273.09 crores for the first quarter of fiscal year 2026-27.
🤖 AI Summary
- Indian Bank's standalone net profit increased to Rs. 3,273.09 crores in Q1 FY27 from Rs. 2,972.82 crores in Q1 FY26.
- Total standalone income reached Rs. 20,723.62 crores for the quarter ending June 30, 2026.
- Gross Non-Performing Assets (NPAs) stood at 1.86% and Net NPAs at 0.15% as of June 30, 2026.
- Capital Adequacy Ratio (Basel III) was 17.58%, with Common Equity Tier (CET) 1 Ratio at 16.51%.
- Consolidated net profit for Q1 FY27 was Rs. 3,356.63 crores, up from Rs. 2,276.37 crores in Q1 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Standalone Net Profit
3273.09 Rs. in crores
10.07
Total Standalone Income
20723.62 Rs. in crores
10.70
Standalone Gross NPAs
1.86 %
Standalone Net NPAs
0.15 %
Standalone Capital Adequacy Ratio (Basel III)
17.58 %
Consolidated Net Profit
3356.63 Rs. in crores
47.47
🏢 How This Affects the Company
Retail Banking segment revenue contributed Rs. 8,486.62 crores and Corporate/Wholesale Banking Rs. 6,854.50 crores to total income in Q1 FY27.
Standalone net profit rose to Rs. 3,273.09 crores, while Gross NPAs reduced to 1.86% and Net NPAs remained low at 0.15% for Q1 FY27.
Improvement in Gross NPA ratio to 1.86% from 3.01% in Q1 FY26 indicates reduced asset quality risk.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results filing.
👤
Who Is Affected
Shareholders are affected by the financial performance, with Basic and Diluted EPS (before extraordinary items) at Rs. 24.30 for Q1 FY27, compared to Rs. 22.07 in Q1 FY26.
🔍
Management Signal
The financial results indicate management's focus on maintaining asset quality, with Gross NPAs reducing to 1.86%, and driving profitability, evident in increased net profit.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — assess sustained profit growth and asset quality trends.
Updates on capital raise plan of Rs. 5,000 Crore, approved in April 2026.
Any further disclosures on business figures and credit growth for Q2 FY27.
LOW RISK
Strong asset quality metrics with reduced Gross NPAs and stable Net NPAs.
💡 Investor Takeaway
Indian Bank reported Q1 FY27 standalone net profit of Rs. 3,273.09 crores, up 10.07% from Rs. 2,972.82 crores in Q1 FY26. Gross NPAs improved to 1.86% from 3.01% YoY, indicating better asset quality and operational performance.
⚖️ Strengths & Concerns
✅ Positives
- Standalone Net Profit for Q1 FY27 increased to Rs. 3,273.09 crores from Rs. 2,972.82 crores in Q1 FY26, a 10.07% YoY rise.
- Gross Non-Performing Assets (NPAs) decreased to 1.86% in Q1 FY27 from 3.01% in Q1 FY26.
⚠️ Concerns
- Provision for Taxes for Q1 FY27 was Rs. 1,088.48 crores, a 1.63% decrease from Rs. 1,106.46 crores in Q1 FY26.
- Capital Adequacy Ratio (Basel III) slightly decreased to 17.58% in Q1 FY27 from 17.80% in Q1 FY26.
📅 Company Track Record
Indian Bank reported 13.6% YoY Total Business growth to 15.28 Lakh Crore as of June 2026 (provisional). FY26 net profit reached Rs. 12,156 Cr, up 11.33%, with retail advances surging 18.72% and GNPA compressing 111 bps to 1.98%. A dividend of Rs. 18.25/share and Rs. 5,000 Crore capital raise was approved in April 2026.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Indian Bank's standalone net profit in Q1 FY27?
Indian Bank reported a standalone net profit of Rs. 3,273.09 crores for the first quarter of FY 2026-27, which ended on June 30, 2026.
What were Indian Bank's Gross and Net NPA ratios in Q1 FY27?
As of June 30, 2026, Indian Bank's standalone Gross Non-Performing Assets (NPAs) stood at 1.86% and Net NPAs were 0.15%.
How did Indian Bank's total standalone income perform in Q1 FY27?
Indian Bank's total standalone income for the quarter ended June 30, 2026, was Rs. 20,723.62 crores, an increase from Rs. 18,721.31 crores in Q1 FY26.
What was Indian Bank's consolidated net profit for Q1 FY27?
Indian Bank's consolidated net profit for the period was Rs. 3,356.63 crores in Q1 FY27, compared to Rs. 2,276.37 crores in Q1 FY26.
What was Indian Bank's Capital Adequacy Ratio (Basel III) in Q1 FY27?
Indian Bank's Capital Adequacy Ratio (Basel III) was 17.58% as of June 30, 2026, with the Common Equity Tier (CET) 1 Ratio at 16.51%.
Questions based on this BSE filing only. For information purposes.