Tamilnad Mercantile Bank Ltd
Tamilnad Mercantile Bank Limited has submitted to the Exchange, the financial results of the Bank for the quarter ended June 30, 2025
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 27 Jul 2026, 01:54 PM IST · BSE ID: a815fb68-94a0-4b01-a78b-0ad228d2323f
View Original BSE Filing (PDF)
💡
In Simple Terms
Tamilnad Mercantile Bank announced its first quarter financial results, showing increased profit and a stable asset quality.
🤖 AI Summary
- Tamilnad Mercantile Bank reported Net Profit After Tax of ₹ 41,151 Lakhs for the quarter ended June 30, 2026.
- Total Income for the quarter ended June 30, 2026, was ₹ 190,079 Lakhs.
- Gross Non-Performing Assets (NPA) stood at 0.69% and Net NPA at 0.17% as of June 30, 2026.
- Capital Adequacy Ratio (Basel III) was 32.33% with Common Equity Tier 1 (CET1) ratio at 31.30%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit for the period
41,151 Lakhs
35.09
TOTAL INCOME
190,079 Lakhs
17.52
% of Gross NPA
0.69
-43.44
Capital Adequacy ratio (%) Under Basel III
32.33
2.47
Basic EPS (in ₹)
25.99
35.01
🏢 How This Affects the Company
The bank's total income increased, primarily driven by higher interest earned, reflecting growth in its core lending activities across retail and corporate segments. Retail Banking segment revenue grew to ₹ 142,187 Lakhs.
Net Profit After Tax increased to ₹ 41,151 Lakhs, contributing to an improved Return on Assets of 2.14% and Net Profit Margin of 21.65%. The bank's Net Worth also rose to ₹ 1,056,202 Lakhs.
Gross NPA decreased to 0.69% and Net NPA to 0.17%, indicating an improvement in asset quality and reduced credit risk. The Provision Coverage Ratio (PCR) improved to 75.36% without technical write-off.
👥 What This Means For Shareholders
✅
Action Required
No action required by shareholders based on this financial results filing.
👤
Who Is Affected
Shareholders benefit from the bank's increased profitability, as evidenced by a Basic EPS of ₹ 25.99 for the quarter ended June 30, 2026, compared to ₹ 19.25 in the prior comparable period.
🔍
Management Signal
The financial results indicate management's focus on profitability and asset quality improvement, with a strong Capital Adequacy Ratio of 32.33% maintained.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check revenue and profit growth trends.
Update on Capital Adequacy Ratio — monitor for continued stability.
NPA evolution — observe if asset quality improvements are sustained.
LOW RISK
Improved asset quality ratios and strong capital adequacy.
💡 Investor Takeaway
Tamilnad Mercantile Bank reported a Net Profit After Tax of ₹ 41,151 Lakhs for Q1 FY27, up 35.09% from ₹ 30,489 Lakhs in Q1 FY26. Total Income grew to ₹ 190,079 Lakhs. Gross NPA decreased to 0.69% and Net NPA to 0.17%, confirming improved asset quality.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit After Tax increased by 35.09% to ₹ 41,151 Lakhs for Q1 FY27, compared to ₹ 30,489 Lakhs in Q1 FY26.
- Asset quality improved, with Gross NPA decreasing to 0.69% from 1.22% and Net NPA to 0.17% from 0.33% YoY.
⚠️ Concerns
- Provisions (other than tax) and contingencies increased to ₹ 5,393 Lakhs in Q1 FY27 from ₹ 834 Lakhs in Q1 FY26.
- Treasury segment revenue decreased to ₹ 31,794 Lakhs in Q1 FY27 from ₹ 35,455 Lakhs in Q1 FY26.
📅 Company Track Record
Tamilnad Mercantile Bank Limited reported a Net Profit for Q1 FY27 of ₹ 41,151 Lakhs, following a Net Profit of ₹ 41,151 Lakhs in Q1 FY27 as per a previous filing on July 27, 2026. The Board of Directors met on July 27, 2026, to approve these results.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Tamilnad Mercantile Bank's net profit for Q1 FY27?
Tamilnad Mercantile Bank reported a Net Profit After Tax of ₹ 41,151 Lakhs for the quarter ended June 30, 2026.
What was the total income for Tamilnad Mercantile Bank in Q1 FY27?
The total income for Tamilnad Mercantile Bank was ₹ 190,079 Lakhs for the quarter ended June 30, 2026.
What were the Gross and Net NPA percentages for Tamilnad Mercantile Bank as of June 30, 2026?
As of June 30, 2026, Tamilnad Mercantile Bank's Gross NPA was 0.69% and Net NPA was 0.17%.
What is Tamilnad Mercantile Bank's Capital Adequacy Ratio (Basel III) for Q1 FY27?
Tamilnad Mercantile Bank's Capital Adequacy Ratio (Basel III) was 32.33% as of June 30, 2026, with a Common Equity Tier 1 (CET1) ratio of 31.30%.
What was the Earnings per Share (EPS) for Tamilnad Mercantile Bank in Q1 FY27?
The Basic and Diluted Earnings per Share (EPS) for Tamilnad Mercantile Bank was ₹ 25.99 for the quarter ended June 30, 2026.
Questions based on this BSE filing only. For information purposes.