Indian Bank — Investor Meet, 06-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Indian Bank saw FY26 net profit rise 11.33% to Rs 12,156 Cr. Advances grew 13.43%, deposits 12.29%. Asset quality significantly improved: Gross NPA 1.98% and Net NPA 0.15%.

For FY27, the bank guides for 11-13% advances growth, 9-11% deposits, and aims to maintain ~40% CASA. Gross NPA is targeted at 1.50-1.60%, Net NPA <0.25%. NIM is projected at 3.10-3.25% due to deposit cost pressures, with ROA at 1.20-1.30%.

Digital business surged 63%. The bank prudently provisioned Rs 310 Cr for geopolitical risks and expects to absorb new ECL guidelines impact within 1-3 quarters, reflecting a confident outlook.