Indian Bank
INDIANB
Banks
₹ 697.75
Price
₹ 93,930
Market Cap
Large Cap
8.18
P/E Ratio
📊 Score Snapshot
2.38 / 25
Performance
25 / 25
Valuation
4.97 / 20
Growth
7.0 / 30
Profitability
39.35 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 61.67 | -128.75 | -315.18 | 146.81 | 66.96 | -229.03 | 30.16 | -159.47 |
| Adj Cash PAT | 8,309 | -17,336 | -39,250 | 18,284 | 7,565 | -13,935 | 1,450 | -7,661 |
| Adj Cash PAT To PAT | 0.74 | -2.06 | -7.04 | 4.41 | 2.40 | -16.15 | 3.83 | -5.85 |
| Adj Cash PE | 8.61 | - | - | 1.09 | 1.76 | - | 9.05 | - |
| Adj EPS | 83.62 | 62.50 | 44.74 | 33.29 | 27.88 | 14.16 | 7.87 | 27.25 |
| Adj Number Of Shares | 134.68 | 134.68 | 124.54 | 124.53 | 112.95 | 60.85 | 48.04 | 48.04 |
| Adj PE | 6.35 | 8.56 | 6.45 | 4.81 | 4.23 | 3.16 | 34.58 | 11.75 |
| Adj Peg | 0.19 | 0.22 | 0.19 | 0.25 | 0.04 | 0.04 | - | - |
| Bvps | 531.22 | 447.56 | 397.72 | 361.17 | 349.54 | 374.51 | 410.80 | 389.99 |
| Cash Revenue | 62,039 | 111,300 | 89,970 | 77,776 | 78,216 | 42,802 | 38,364 | 34,230 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 2.99 | 2.22 | 2.95 | 4.15 | 1.65 | - | - | - |
| Fcfe | 6,504 | -18,423 | -39,032 | 17,980 | 10,158 | -13,868 | 2,461 | -7,638 |
| Fcfe Margin | 10.48 | -16.55 | -43.38 | 23.12 | 12.99 | -32.40 | 6.41 | -22.31 |
| Fcfe To Adj PAT | 0.58 | -2.19 | -7.00 | 4.33 | 3.22 | -16.08 | 6.50 | -5.83 |
| Market Cap | 71,508 | 72,047 | 35,936 | 19,937 | 13,339 | 2,726 | 13,137 | 15,409 |
| PB | 1.00 | 1.20 | 0.73 | 0.44 | 0.34 | 0.12 | 0.67 | 0.82 |
| PE | 6.35 | 8.56 | 6.45 | 4.81 | 4.24 | 3.17 | 34.57 | 11.75 |
| Peg | 0.19 | 0.22 | 0.19 | 0.25 | 0.04 | 0.04 | - | - |
| PS | 1.15 | 0.65 | 0.40 | 0.26 | 0.17 | 0.06 | 0.34 | 0.45 |
| ROE | 17.09 | 15.34 | 11.80 | 9.82 | 10.12 | 4.06 | 1.97 | 7.24 |
| Share Price | 530.95 | 534.95 | 288.55 | 160.10 | 118.10 | 44.80 | 273.45 | 320.75 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 16,628 | 16,285 | 15,860 | 31,540 | 30,738 | 30,082 | 29,266 | 28,406 | 27,528 | 26,100 | 24,510 | 23,672 | 21,456 | 20,332 |
| Interest | 10,040 | 9,924 | 9,467 | 9,345 | 9,154 | 8,861 | 8,609 | 8,383 | 8,003 | 7,346 | 6,736 | 6,335 | 6,026 | 5,620 |
| Expenses - | 5,108 | 4,880 | 5,097 | 5,102 | 5,144 | 4,994 | 5,378 | 5,158 | 5,150 | 5,161 | 6,202 | 5,860 | 5,098 | 4,922 |
| Financing Profit | 1,480 | 1,481 | 1,295 | 1,323 | 1,072 | 1,186 | 646.00 | 661.00 | 611.00 | 543.00 | -683.00 | -359.00 | -396.00 | -376.00 |
| Financing Margin % | 8.90 | 9.09 | 8.17 | 4.19 | 3.49 | 3.94 | 2.21 | 2.33 | 2.22 | 2.08 | -2.79 | -1.52 | -1.85 | -1.85 |
| Other Income - | 2,643 | 2,620 | 2,935 | 2,397 | 2,602 | 2,077 | 2,432 | 2,113 | 2,166 | 1,871 | 2,161 | 1,926 | 1,987 | 1,732 |
| Exceptional Items | - | -767.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Before Tax | 4,123 | 3,335 | 4,230 | 3,721 | 3,674 | 3,263 | 3,078 | 2,774 | 2,777 | 2,415 | 1,477 | 1,567 | 1,590 | 1,356 |
| Tax % | 24.59 | 31.72 | 29.50 | 21.80 | 23.76 | 21.21 | 25.41 | 20.44 | 25.50 | 23.40 | -2.91 | 7.15 | 18.99 | 3.32 |
| Net Profit - | 3,109 | 2,277 | 2,982 | 2,910 | 2,801 | 2,571 | 2,296 | 2,207 | 2,069 | 1,850 | 1,520 | 1,455 | 1,288 | 1,311 |
| Profit From Associates | 68.00 | 59.00 | 21.00 | 34.00 | 61.00 | 154.00 | 36.00 | 70.00 | 61.00 | 126.00 | 58.00 | 47.00 | 43.00 | 95.00 |
| Minority Share | -1.00 | -1.00 | - | - | -1.00 | -1.00 | -1.00 | -1.00 | -1.00 | -1.00 | - | -1.00 | -1.00 | - |
| Exceptional Items At | - | -510.00 | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 3,109 | 2,787 | 2,982 | 2,910 | 2,801 | 2,571 | 2,296 | 2,207 | 2,069 | 1,850 | 1,520 | 1,455 | 1,288 | 1,311 |
| Profit For PE | 3,108 | 2,786 | 2,982 | 2,910 | 2,800 | 2,570 | 2,296 | 2,206 | 2,068 | 1,850 | 1,520 | 1,454 | 1,287 | 1,311 |
| Profit For EPS | 3,108 | 2,276 | 2,982 | 2,910 | 2,800 | 2,570 | 2,296 | 2,206 | 2,068 | 1,850 | 1,520 | 1,454 | 1,287 | 1,311 |
| EPS In Rs | 23.07 | 16.90 | 22.14 | 21.60 | 20.79 | 19.08 | 17.04 | 16.37 | 16.61 | 14.85 | 12.20 | 11.68 | 10.34 | 10.53 |
| PAT Margin % | 18.70 | 13.98 | 18.80 | 9.23 | 9.11 | 8.55 | 7.85 | 7.77 | 7.52 | 7.09 | 6.20 | 6.15 | 6.00 | 6.45 |
| PBT Margin | 24.80 | 20.48 | 26.67 | 11.80 | 11.95 | 10.85 | 10.52 | 9.77 | 10.09 | 9.25 | 6.03 | 6.62 | 7.41 | 6.67 |
| Tax | 1,014 | 1,058 | 1,248 | 811.00 | 873.00 | 692.00 | 782.00 | 567.00 | 708.00 | 565.00 | -43.00 | 112.00 | 302.00 | 45.00 |
| Yoy Profit Growth % | 11.00 | 8.00 | 30.00 | 32.00 | 35.00 | 39.00 | 51.00 | 52.00 | 61.00 | 41.00 | 48.00 | 99.00 | 14.00 | 4.00 |
| Adj PAT | 3,109 | 1,753 | 2,982 | 2,910 | 2,801 | 2,571 | 2,296 | 2,207 | 2,069 | 1,850 | 1,520 | 1,455 | 1,288 | 1,311 |
| Adj PAT Margin | 18.70 | 10.77 | 18.80 | 9.23 | 9.11 | 8.55 | 7.85 | 7.77 | 7.52 | 7.09 | 6.20 | 6.15 | 6.00 | 6.45 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 62,039 | 111,300 | 89,970 | 77,776 | 78,216 | 42,802 | 38,364 | 34,230 | 32,078 | 32,488 | 31,706 | 30,498 |
| Interest | 36,826 | 32,341 | 24,717 | 22,129 | 23,439 | 13,798 | 12,167 | 10,851 | 10,891 | 11,795 | 11,390 | 10,887 |
| Expenses - | 19,818 | 20,342 | 21,577 | 20,285 | 18,029 | 9,238 | 8,289 | 6,998 | 6,144 | 5,128 | 4,219 | 4,158 |
| Financing Profit | 5,395 | 2,967 | -1,309 | -3,526 | -2,360 | -1,634 | -1,273 | -734.00 | -996.00 | -679.00 | 245.00 | 204.00 |
| Financing Margin % | 8.70 | 2.67 | -1.45 | -4.53 | -3.02 | -3.82 | -3.32 | -2.14 | -3.10 | -2.09 | 0.77 | 0.67 |
| Other Income - | 10,010 | 8,584 | 7,804 | 7,377 | 6,112 | 3,325 | 1,893 | 2,419 | 2,223 | 1,791 | 1,374 | 1,380 |
| Exceptional Items | 2.00 | -2.00 | - | 3.00 | - | 1.00 | -2.00 | -2.00 | -1.00 | -2.00 | -2.00 | -2.00 |
| Depreciation | 543.00 | 531.00 | 532.00 | 601.00 | 637.00 | 314.00 | 259.00 | 237.00 | 166.00 | 151.00 | 139.00 | 105.00 |
| Profit Before Tax | 14,864 | 11,017 | 5,963 | 3,253 | 3,115 | 1,377 | 359.00 | 1,445 | 1,060 | 958.00 | 1,478 | 1,476 |
| Tax % | 24.22 | 23.55 | 6.52 | -27.39 | -1.16 | 37.40 | -6.13 | 9.27 | -37.26 | 21.50 | 28.89 | 19.44 |
| Net Profit - | 11,264 | 8,423 | 5,574 | 4,144 | 3,151 | 862.00 | 381.00 | 1,311 | 1,455 | 752.00 | 1,051 | 1,189 |
| Profit From Associates | 270.00 | 293.00 | 243.00 | 150.00 | 135.00 | 104.00 | 60.00 | 48.00 | 42.00 | 38.00 | 37.00 | 30.00 |
| Minority Share | -3.00 | -3.00 | -1.00 | -2.00 | -1.00 | -1.00 | -1.00 | -1.00 | -2.00 | -1.00 | -2.00 | - |
| Exceptional Items At | 2.00 | -2.00 | - | 3.00 | - | 1.00 | -2.00 | -2.00 | -1.00 | -2.00 | -1.00 | -2.00 |
| Profit Excl Exceptional | 11,263 | 8,424 | 5,573 | 4,141 | 3,151 | 861.00 | 382.00 | 1,313 | 1,456 | 754.00 | 1,052 | 1,192 |
| Profit For PE | 11,260 | 8,421 | 5,572 | 4,139 | 3,150 | 861.00 | 382.00 | 1,313 | 1,454 | 753.00 | 1,050 | 1,192 |
| Profit For EPS | 11,261 | 8,419 | 5,572 | 4,142 | 3,149 | 861.00 | 380.00 | 1,311 | 1,453 | 751.00 | 1,049 | 1,189 |
| EPS In Rs | 83.61 | 62.51 | 44.74 | 33.26 | 27.88 | 14.15 | 7.91 | 27.29 | 30.25 | 15.64 | 21.84 | 25.58 |
| Dividend Payout % | 19.00 | 19.00 | 19.00 | 20.00 | 7.00 | - | - | - | 20.00 | 10.00 | 19.00 | 18.00 |
| PAT Margin % | 18.16 | 7.57 | 6.20 | 5.33 | 4.03 | 2.01 | 0.99 | 3.83 | 4.54 | 2.31 | 3.31 | 3.90 |
| PBT Margin | 23.96 | 9.90 | 6.63 | 4.18 | 3.98 | 3.22 | 0.94 | 4.22 | 3.30 | 2.95 | 4.66 | 4.84 |
| Tax | 3,600 | 2,594 | 389.00 | -891.00 | -36.00 | 515.00 | -22.00 | 134.00 | -395.00 | 206.00 | 427.00 | 287.00 |
| Adj PAT | 11,266 | 8,421 | 5,574 | 4,148 | 3,151 | 862.63 | 378.88 | 1,309 | 1,454 | 750.43 | 1,050 | 1,187 |
| Adj PAT Margin | 18.16 | 7.57 | 6.20 | 5.33 | 4.03 | 2.02 | 0.99 | 3.82 | 4.53 | 2.31 | 3.31 | 3.89 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 6,619 | 6,135 | - | 5,767 | 5,214 | 4,695 | 2,400 | 2,127 | 1,937 |
| Average Total Assets | - | 836,374 | 754,522 | - | 693,715 | 649,816 | 467,838 | 295,264 | 266,684 | 235,744 |
| Average Total Equity | - | 65,911 | 54,904 | - | 47,254 | 42,228 | 31,135 | 21,262 | 19,235 | 18,094 |
| Borrowing | 42,282 | 41,552 | 23,143 | - | 22,092 | 17,218 | 24,763 | 20,830 | 12,138 | 19,760 |
| Cwip | - | 3.00 | 2.00 | - | 9.00 | 5.00 | - | 1.00 | 1.00 | 1.00 |
| Cash Equivalents | 31,912 | 24,768 | 31,135 | - | 26,670 | 22,092 | 25,887 | 4,730 | 10,671 | 10,002 |
| Deposits | 776,877 | 737,098 | 687,953 | - | 621,123 | 593,571 | 538,030 | 260,184 | 242,041 | 208,262 |
| Fixed Assets | 8,750 | 8,854 | 7,538 | - | 7,472 | 7,694 | 7,392 | 3,898 | 3,964 | 3,421 |
| Gross Block | - | 15,473 | 13,672 | - | 13,239 | 12,908 | 12,087 | 6,298 | 6,091 | 5,358 |
| Investments | 238,535 | 228,421 | 215,242 | - | 188,366 | 176,502 | 178,292 | 81,871 | 65,272 | 71,619 |
| Loans N Advances | 605,169 | - | 2,937 | - | 5,281 | 6,441 | 6,655 | 4,374 | 4,104 | 3,662 |
| Long Term Borrowings | - | - | - | - | - | - | - | 20,830 | 12,138 | 19,760 |
| Net Debt | -270,447 | -253,189 | 464,719 | - | 428,180 | 412,194 | 358,614 | 194,414 | 178,235 | 146,401 |
| Non Controlling Interest | 34.00 | 32.00 | 29.00 | - | 26.00 | 25.00 | 23.00 | 21.00 | 20.00 | 20.00 |
| Other Asset Items | 40,119 | 614,992 | 538,855 | - | 485,536 | 461,363 | 407,308 | 215,266 | 196,377 | 164,277 |
| Other Borrowings | - | - | 711,096 | - | 643,216 | 610,788 | 562,793 | 260,184 | 242,041 | 208,262 |
| Other Liability Items | 28,406 | 24,848 | 22,672 | - | 18,743 | 16,746 | 21,818 | 5,844 | 5,876 | 5,593 |
| Reserves | 75,540 | 70,166 | 58,901 | - | 48,261 | 43,706 | 38,329 | 22,159 | 19,235 | 18,235 |
| Share Capital | 1,347 | 1,347 | 1,347 | 1,245 | 1,245 | 1,245 | 1,129 | 609.00 | 480.00 | 480.00 |
| Total Assets | 924,486 | 877,039 | 795,709 | - | 713,334 | 674,096 | 625,535 | 310,141 | 280,388 | 252,981 |
| Total Borrowings | - | - | 711,096 | - | 643,216 | 610,788 | 562,793 | 281,015 | 254,178 | 228,022 |
| Total Equity | 76,921 | 71,545 | 60,277 | 1,245 | 49,532 | 44,976 | 39,481 | 22,789 | 19,735 | 18,735 |
| Total Equity And Liabilities | 924,486 | 877,039 | 795,709 | - | 713,334 | 674,096 | 625,535 | 310,141 | 280,388 | 252,981 |
| Total Liabilities | 847,565 | 805,494 | 735,432 | -1,245 | 663,802 | 629,120 | 586,054 | 287,352 | 260,653 | 234,246 |
| Trade Payables | - | 1,995 | 1,664 | - | 1,842 | 1,585 | 1,444 | 494.00 | 598.00 | 631.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -4,264 | 1,195 | -1,543 | 18.00 | 1,866 | 2,552 | 1,000 | 6,776 |
| Cash From Investing Activity | -348.00 | -618.00 | -314.00 | -305.00 | 21,233 | -247.00 | -176.00 | -214.00 |
| Cash From Operating Activity | 17,396 | -8,617 | -27,894 | 28,750 | 17,231 | -8,396 | 6,270 | -3,676 |
| Cash Paid For Loan Advances | -59,626 | -69,248 | -66,715 | -34,967 | -30,253 | -20,913 | -24,693 | -28,861 |
| Cash Paid For Purchase Of Fixed Assets | -540.00 | -627.00 | -334.00 | -323.00 | -560.00 | -259.00 | -256.00 | -223.00 |
| Cash Paid For Redemption Of Debentures | -2,000 | -1,000 | - | -600.00 | -1,500 | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | - | - | - | - | - | - |
| Cash Receipts From Deposits | 737,098 | 687,953 | 621,123 | 593,571 | 538,030 | 260,184 | 242,041 | 208,262 |
| Cash Received From Borrowings | - | - | - | - | - | - | 1,000 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | 4,000 | - | - | - |
| Cash Received From Issue Of Shares | - | 4,000 | - | 1,650 | - | 2,829 | - | - |
| Cash Received From Sale Of Fixed Assets | 192.00 | 9.00 | 20.00 | 18.00 | 16.00 | 12.00 | 8.00 | 9.00 |
| Change In Other Working Capital Items | 7,524 | -23,339 | -5,662 | -6,437 | -14,858 | -12,028 | -8,015 | -5,891 |
| Change In Working Capital | -2,957 | -25,757 | -44,824 | 14,136 | 4,414 | -14,798 | 1,071 | -8,970 |
| Dividends Paid | -1,616 | -1,071 | -810.00 | -249.00 | - | - | - | -288.00 |
| Interest Paid | -647.00 | -734.00 | -734.00 | -782.00 | -632.00 | -277.00 | - | - |
| Net Cash Flow | 12,784 | -8,040 | -29,751 | 28,464 | 40,329 | -6,091 | 7,094 | 2,886 |
| Operating Deposits | 49,145 | 66,830 | 27,552 | 55,541 | 49,526 | 18,144 | 33,779 | 25,782 |
| Other Cash Financing Items Paid | - | - | - | - | -3.00 | - | - | 7,065 |
| Other Cash Investing Items Paid | - | - | - | - | 21,778 | - | 73.00 | - |
| Profit From Operations | 20,353 | 17,139 | 16,930 | 14,614 | 12,817 | 6,401 | 5,199 | 5,295 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Indianb | 2025-09-30 | - | 4.68 | 18.62 | 2.86 | 0.00 |
| Indianb | 2025-06-30 | - | 4.54 | 18.05 | 3.56 | 0.00 |
| Indianb | 2025-03-31 | - | 4.74 | 17.78 | 3.65 | 0.00 |
| Indianb | 2024-12-31 | - | 4.78 | 17.64 | 3.75 | 0.00 |
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