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Company Filings, Explained Simply

AI-powered plain-English analysis of every important corporate announcement — financial results, order wins, dividends, mergers and more. Updated live.

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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Indian Bank
Indian Bank Q2 FY27 Net Profit up 14.71% YoY to ₹3,462 Cr
RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 15 Oct 2026, 02:23 PM IST  ·  BSE ID: a16d36d5-f221-49c9-a38b-a7c5998ce279
View Original BSE Filing (PDF)
💡
In Simple Terms
Indian Bank announced its Q2 FY27 financial results, reporting higher profits and improved asset quality for the quarter.
🤖 AI Summary
  • Indian Bank's Net Profit for Q2 FY27 reached ₹3,462 Cr, marking a 14.71% year-on-year increase.
  • Net Interest Income (NII) for Q2 FY27 was ₹7,719 Cr, a growth of 17.83% compared to the prior year.
  • Total Business as of September 30, 2026, increased by 14.22% YoY to ₹15.96 lakh Cr.
  • Gross Non-Performing Assets (GNPA) improved to 1.61%, a reduction of 99 bps year-on-year.
  • The Provision Coverage Ratio (PCR) stood at 98.22% as of September 30, 2026, up 6 bps YoY.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit Q2 FY27
₹ 3462 Cr
14.71%
Net Interest Income Q2 FY27
₹ 7719 Cr
17.83%
Operating Profit Q2 FY27
₹ 7090 Cr
46.58%
Total Business (as of Sep 30, 2026)
₹ 15.96 lakh Cr
14.22%
Gross NPA (as of Sep 30, 2026)
1.61%
-99 bps
Net NPA (as of Sep 30, 2026)
0.14%
-2 bps
Provision Coverage Ratio (as of Sep 30, 2026)
98.22%
6 bps
CD Ratio % (as of Sep 30, 2026)
82.60%
🏢 How This Affects the Company
📈
Business Impact
Total deposits for Indian Bank grew to ₹874036 Cr (Domestic ₹833705 Cr), representing a 12.50% YoY increase. Advances expanded to ₹721982 Cr (Domestic ₹659796 Cr), a 16.39% YoY growth, with RAM advances increasing by 17.74% YoY to ₹442302 Cr.
💰
Financial Impact
Net Profit increased to ₹3462 Cr, and Net Interest Income rose to ₹7719 Cr in Q2 FY27. The Gross NPA ratio improved to 1.61%, and the Net NPA ratio was 0.14%, indicating improved asset quality. Operating Profit for Q2 FY27 grew by 46.58% YoY to ₹7090 Cr.
⚙️
Operational Impact
The bank's CD Ratio % increased to 82.60% as of September 30, 2026, from 79.84% a year ago. Domestic CASA % was 39.36%, with CASA advances growing by 13.77% YoY to ₹328620 Cr.
⚠️
Risk Impact
The Gross NPA (GNPA) ratio declining by 99 bps YoY to 1.61% and the Net NPA (NNPA) ratio by 2 bps YoY to 0.14% indicate a reduction in credit risk. The Provision Coverage Ratio (PCR) of 98.22% provides a buffer against potential future non-performing assets.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results presentation.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, which showed improved profitability and asset quality for Q2 FY27.
🔍
Management Signal
The results indicate management's focus on growing core business, improving asset quality, and maintaining a high provision coverage.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — check for sustained profit and NII growth.
Updates on fund-raising plan approved by the Board on October 15, 2026.
Further improvements in Gross and Net NPA ratios in upcoming quarters.
LOW RISK Financial results indicate strong performance and improved asset quality, reducing immediate risks.
💡 Investor Takeaway
Indian Bank's Q2 FY27 Net Profit increased by 14.71% YoY to ₹3,462 Cr, with Net Interest Income rising 17.83% YoY to ₹7,719 Cr. Gross NPA improved to 1.61%, a 99 bps YoY reduction, and Provision Coverage Ratio stood at 98.22%.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit increased by 14.71% YoY to ₹3462 Cr in Q2 FY27, reflecting stronger profitability.
  • Gross NPA improved by 99 bps YoY to 1.61%, alongside a high Provision Coverage Ratio of 98.22%.
📅 Company Track Record
Indian Bank reported a Q2 FY27 net profit of ₹3,462.24 crores, an increase from previous periods. The Board also approved a fund-raising plan of up to Rs. 7,000 Crore on October 15, 2026, a separate material event from the results presentation.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Indian Bank's Net Profit for Q2 FY27?
Indian Bank reported a Net Profit of ₹3,462 Cr for the Second Quarter of FY 2026-27, which is a 14.71% increase year-on-year.
What was Indian Bank's Net Interest Income in Q2 FY27?
The Net Interest Income for Indian Bank in Q2 FY27 was ₹7,719 Cr, reflecting a 17.83% growth year-on-year.
What were Indian Bank's Gross and Net NPA ratios as of September 30, 2026?
As of September 30, 2026, Indian Bank's Gross NPA stood at 1.61%, and the Net NPA was 0.14%.
What was Indian Bank's total business as of September 30, 2026?
Indian Bank's total business, encompassing deposits and advances, reached ₹15.96 lakh Cr as of September 30, 2026, an increase of 14.22% year-on-year.
What is Indian Bank's Provision Coverage Ratio as of September 30, 2026?
Indian Bank reported a Provision Coverage Ratio (PCR) of 98.22% as of September 30, 2026.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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