INDIANB - Indian Bank Share Price

Banks

₹586.30+17.10(+3.00%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does Indian Bank do?

Public Sector Bank•Financial Services•Mid Cap

Indian Bank is a Public Sector Bank based in Chennai, India. With a market capitalization of approximately Rs. 71,409.1 Crores, the company operates under the stock ticker INDIANB.

The bank offers a wide range of banking products and services, including:

Deposit Products: These encompass savings bank accounts, current accounts, term deposits, and accounts for non-resident Indians (NRI).
Loans: Indian Bank provides various types of loans such as:
- Agriculture, MSME, corporate, online, home, mortgage, vehicle, personal, educational, and jewel loans
- Supply chain finance and 59 minutes loans
- Loans or overdrafts against deposits and government securities

In addition, Indian Bank has an extensive array of digital offerings, including:

Digital Products: IndOASIS, internet and SMS banking, debit and credit cards, national common mobility cards, mutual funds, IPO services, demat accounts, trading services, point-of-sale systems, and online collection products.

The bank operates multiple branches both in India and overseas, along with a network of ATMs and banking outlets.

Established in 1907, Indian Bank has demonstrated substantial financial performance. It reported a revenue of Rs. 70,322 Crores over the trailing 12 months and achieved a profit of Rs. 10,293.8 Crores in the past four quarters. The company has shown impressive revenue growth of 54.6% over the past three years.

Additionally, Indian Bank distributes dividends to its investors, boasting a yield of 3.83% annually, with a payout of Rs. 20.6 per share over the past year. However, it is noteworthy that the company has diluted its shareholders' equity by 8.2% during the last three years, while continuing to maintain profitability.

Industry Group:Banks

Employees:40,251

Website:www.indianbank.in

Pros

Growth: Good revenue growth. With 54.6% growth over past three years, the company is going strong.

Profitability: Recent profitability of 15% is a good sign.

Size: It is among the top 200 market size companies of india.

Dividend: Dividend paying stock. Dividend yield of 3.83%.

Balance Sheet: Strong Balance Sheet.

Smart Money: Smart money has been increasing their position in the stock.

Cons

No major cons observed.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: INDIANB vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

INDIANB metrics compared to Banks

Category	INDIANB	Banks
PE	7.45	8.44
PS	1.09	1.04
Growth	14.2 %	9.5 %

Performance Comparison

INDIANB vs Banks (2021 - 2025)

Key Insights

1. INDIANB is among the Top 10 Public Sector Bank companies but not in Top 5.
2. The company holds a market share of 4.7% in Public Sector Bank.
3. In last one year, the company has had an above average growth that other Public Sector Bank companies.

Share Holdings

Understand Indian Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
President of India	73.84%
HDFC MUTUAL FUND UNDER ITS VARIOUS SCHEMES	3.66%
LIFE INSURANCE CORPORATION OF nINDIA AND ITS VARIOUS SCHEMES	2.91%
NPS TRUST UNDER ITS VARIOUS SCHEMES	1.25%
ICICI PRUDENTIAL MUTUAL FUND UNDER ITS VARIOUS SCHEMES	1.17%
MIRAE ASSET UNDER ITS VARIOUS SCHEMES	1.15%
ESOP or ESOS or ESPS	0.33%
Employees	0.04%
Trusts	0.01%
LLP	0.01%
Director or Director's Relatives	0%
Other	0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Balance Sheet for Indian Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1025160000%	8,125,630,500,000	792,619	738,767	710,501	673,256	671,668
Cash balances with RBI	8.1%	35,362	32,703	29,304	32,693	29,119	24,054
Investments	2%	216,787	212,554	201,673	185,988	182,168	174,559
Advances	3.5%	532,942	514,889	470,627	449,297	412,074	389,186
Fixed assets	0.1%	7,521	7,515	7,475	7,459	7,532	7,684
Other assets	-2.9%	15,102	15,551	18,220	17,624	18,887	20,324
Capital	0%	1,347	1,347	1,245	1,245	1,245	1,245
Reserves and surplus	10%	62,754	57,041	50,416	46,727	44,926	42,463
Deposits	0.7%	693,115	688,000	640,803	621,166	588,860	593,618
Borrowings	44.3%	33,368	23,131	24,923	22,073	22,058	17,144
Other liabilities and provisions	-4.9%	21,978	23,100	21,379	19,289	16,166	17,197
Total capital and liabilities	2.5%	812,563	792,619	738,767	710,501	673,256	671,668

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1025610000%	8,160,849,900,000	795,709	741,727	713,334	675,791	674,096
Cash balances with RBI	8.1%	35,362	32,703	29,304	32,693	29,119	24,054
Investments	2.1%	219,752	215,242	204,114	188,366	184,262	176,502
Advances	3.5%	532,942	514,889	470,627	449,294	412,064	389,186
Fixed assets	0.1%	7,549	7,540	7,499	7,481	7,551	7,699
Other assets	-2.1%	15,527	15,861	18,643	17,976	19,276	20,742
Capital	0%	1,347	1,347	1,245	1,245	1,245	1,245
Reserves and surplus	10.1%	64,875	58,901	52,142	48,261	46,329	43,706
Deposits	0.7%	693,067	687,953	640,759	621,123	588,814	593,571
Borrowings	44.4%	33,416	23,143	24,939	22,092	22,070	17,153
Other liabilities and provisions	-4%	23,380	24,365	22,642	20,612	17,333	18,421
Total capital and liabilities	2.6%	816,085	795,709	741,727	713,334	675,791	674,096

Valuation
Market Cap	78.97 kCr
Price/Earnings (Trailing)	7.67
Price/Sales (Trailing)	1.12
EV/EBITDA	1.59
Price/Free Cashflow	-8.44
MarketCap/EBT	5.75

Fundamentals
Revenue (TTM)	70.32 kCr
Rev. Growth (Yr)	11.35%
Rev. Growth (Qtr)	1.09%
Earnings (TTM)	10.29 kCr
Earnings Growth (Yr)	34.63%
Earnings Growth (Qtr)	4.97%

Profitability
Operating Margin	26.17%
EBT Margin	19.53%
Return on Equity	1.26%
Return on Assets	0.01%
Free Cashflow Yield	-11.85%

Cash Flow for Indian Bank

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	84.4%	11,044	5,990	3,263
Finance costs	-3.1%	711	734	750
Depreciation	-0.2%	531	532	601
Total adjustments to profit/loss	-38.9%	6,692	10,954	11,363
Change in trade receivables	-3.8%	-69,247.99	-66,714.84	-34,967.37
Change in trade payables	112.4%	68,880	32,427	48,531
Total adj. for working capital	42.5%	-25,756.57	-44,824.14	14,136
Net Cashflows From Operations	71.2%	-8,021.13	-27,880.39	28,763
Income taxes paid (refund)	6738.5%	890	14	12
Other inflows/outflows of cash	-	293	0	0
Net Cashflows From Operating Activities	69.1%	-8,617.26	-27,893.99	28,750
Proceeds from sales of tangible assets	-58.6%	8.87	20	0
Purchase of tangible assets	88%	627	334	323
Proceeds from sales of intangible assets	-	0	0	18
Net Cashflows From Investing Activities	-96.4%	-617.71	-313.98	-304.69
Proceeds from issuing shares	-	4,000	0	1,650
Proceeds from issuing debt etc	-	-1,000	0	0
Repayments of borrowings	-	0	0	600
Dividends paid	32.3%	1,071	810	249
Interest paid	-100.1%	0	734	782
Net Cashflows From Financing Activities	177.3%	1,195	-1,543.42	18
Net change in cash and cash eq.	73%	-8,039.93	-29,751.39	28,464

Standalone figures (in Rs. Crores) / View Consolidated Data

Profit Before Extraord. Items And Tax	85.2%
Finance costs	-3.1%
Depreciation	-0.9%
Dividend income	-73.2%
Total adjustments to profit/loss	-37.6%
Change in trade receivables	-3.8%
Change in trade payables	112.6%
Total adj. for working capital	43.1%
Net Cashflows From Operations	72.3%
Income taxes paid (refund)	-
Net Cashflows From Operating Activities	69.2%
Proceeds from sales of tangible assets	-58.7%
Purchase of tangible assets	90.7%
Proceeds from sales of intangible assets	-
Dividends received	-73.2%
Net Cashflows From Investing Activities	-103.6%
Proceeds from issuing shares	-
Proceeds from issuing debt etc	-
Repayments of borrowings	-
Dividends paid	32.3%
Interest paid	-100.1%
Net Cashflows From Financing Activities	177.3%
Net change in cash and cash eq.	73.1%

Income Statement for Indian Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	2.7%	11,426	11,125	10,849	10,636	10,349	10,030
Revenue on investments	2.4%	3,884	3,793	3,734	3,549	3,420	3,347
Interest on balances with RBI and others	4.9%	408	389	402	416	376	325
Other interest	-2.5%	40	41	55	22	52	41
Total interest earned	2.7%	15,759	15,348	15,039	14,624	14,198	13,743
Other income	-11.1%	2,153	2,422	1,906	2,263	1,902	1,993
Total income	0.8%	17,912	17,770	16,945	16,887	16,099	15,736
Total expenditure	0.9%	13,163	13,041	12,443	12,582	12,002	11,434
Interest expended	2.1%	9,345	9,153	8,861	8,609	8,383	8,003
Employees cost	-1.9%	2,417	2,464	2,301	2,633	2,336	2,177
Other operating expenses	-1.5%	1,401	1,423	1,281	1,340	1,283	1,254
Operating expenses	-1.8%	3,818	3,888	3,582	3,973	3,619	3,430
Operating profit	0.4%	4,749	4,729	4,502	4,305	4,097	4,303
Provisions other than tax and contingencies	-3.6%	1,059	1,099	1,258	1,248	1,349	1,551
Profit before tax	1.7%	3,690	3,629	3,243	3,057	2,748	2,752
Tax expense	-9.2%	838	923	840	810	628	764
Profit after tax	5.4%	2,852	2,706	2,403	2,247	2,119	1,988
Net profit (loss) for the period	5.4%	2,852	2,706	2,403	2,247	2,119	1,988
Reserve excluding revaluation reserves	-	-	-	-	51,066	-	-
CET 1 ratio	-0.3%	0.1327	0.1351	0.1342	0.1352	0.1236	0.1207
Additional tier 1 ratio	0%	05	05	051	051	052	056
Gross non performing assets	-4.9%	18,208	19,148	20,302	21,106	22,787	24,488
Non performing assets	-22%	1,127	1,445	2,027	2,223	2,579	2,826
Return on assets	-	0.0139	0	0.012	0.0115	0.0111	0.0106

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	27.2%	40,619	31,941	26,928	-	15,933	13,984
Revenue on investments	15.1%	13,402	11,647	10,965	-	5,279	5,043
Interest on balances with RBI and others	57.9%	1,386	878	851	-	177	140
Other interest	-56.4%	208	476	112	-	16	18
Total interest earned	23.7%	55,615	44,942	38,856	-	21,405	19,185
Other income	10.1%	7,867	7,143	6,915	-	3,312	1,883
Total income	21.9%	63,482	52,085	45,772	-	24,717	21,068
Total expenditure	26.7%	46,642	36,815	33,055	-	18,219	16,187
Interest expended	30.8%	32,341	24,717	22,128	-	13,799	12,167
Employees cost	23.1%	9,265	7,527	6,696	-	2,473	2,223
Other operating expenses	10.2%	5,036	4,571	4,231	-	1,948	1,797
Operating expenses	18.2%	14,300	12,098	10,926	-	4,421	4,020
Operating profit	10.3%	16,840	15,271	12,717	-	6,498	4,881
Provisions other than tax and contingencies	-37.1%	5,888	9,356	9,513	-	5,125	4,596
Profit before tax	85.2%	10,951	5,914	3,204	-	1,373	284
Tax expense	356.8%	2,888	633	-740.59	-	619	-37.74
Profit after tax	52.7%	8,063	5,282	3,945	-	753	322
Net profit (loss) for the period	52.7%	8,063	5,282	3,945	-	753	322
CET 1 ratio	0.7%	0.1352	0.1289	0.1253	-	0.1178	0.1096
Additional tier 1 ratio	-0.1%	051	059	064	-	03	033
Gross non performing assets	-25.1%	21,106	28,180	35,214	-	14,151	13,353
Non performing assets	-45%	2,223	4,043	8,849	-	6,184	6,793
Return on assets	0.3%	0.0107	077	063	-	026	012

Consolidated figures (in Rs. Crores) / View Standalone Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	2.7%	11,426	11,125	10,849	10,636	10,349	10,030
Revenue on investments	2.1%	3,894	3,813	3,735	3,556	3,425	3,368
Interest on balances with RBI and others	4.9%	409	390	402	418	376	325
Other interest	0%	41	41	55	22	52	41
Total interest earned	2.6%	15,770	15,369	15,041	14,633	14,203	13,764
Other income	-7.9%	2,397	2,602	2,077	2,432	2,113	2,166
Total income	1.1%	18,168	17,971	17,118	17,065	16,315	15,929
Total expenditure	1.4%	13,387	13,198	12,594	12,737	12,192	11,602
Interest expended	2.1%	9,345	9,154	8,861	8,609	8,383	8,003
Employees cost	-1.6%	2,442	2,481	2,317	2,647	2,350	2,190
Other operating expenses	2.4%	1,600	1,563	1,416	1,481	1,458	1,409
Operating expenses	-0.1%	4,042	4,045	3,733	4,127	3,809	3,599
Operating profit	0.1%	4,780	4,773	4,524	4,329	4,123	4,328
Provisions other than tax and contingencies	-3.6%	1,060	1,099	1,261	1,251	1,349	1,551
Profit before tax	1.3%	3,721	3,674	3,263	3,078	2,774	2,777
Tax expense	-9.6%	844	934	846	818	638	769
Profit after tax	5%	2,876	2,740	2,417	2,260	2,136	2,008
Net profit (loss) for the period	5%	2,876	2,740	2,417	2,260	2,136	2,008
Profit (loss) of minority interest	-600%	0.45	1.11	0.97	0.86	0.89	0.84
Reserve excluding revaluation reserves	-	-	-	-	52,926	-	-
CET 1 ratio	-0.3%	0.1359	0.1384	0.1376	0.1386	0.1267	0.124
Additional tier 1 ratio	0%	05	05	05	051	052	056
Gross non performing assets	-4.9%	18,208	19,148	20,302	21,106	22,787	24,488
Non performing assets	-22%	1,127	1,445	2,027	2,223	2,579	2,826
Return on assets	-	0.0142	0	0.0129	0.0118	0.0117	0.0114

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	27.2%	40,619	31,941	26,928	27,455	15,933	-
Revenue on investments	14.9%	13,435	11,690	10,971	11,170	5,275	-
Interest on balances with RBI and others	58.2%	1,388	878	852	426	177	-
Other interest	-56.4%	208	476	112	57	16	-
Total interest earned	23.7%	55,650	44,985	38,862	39,108	21,401	-
Other income	10%	8,582	7,804	7,406	6,540	3,326	-
Total income	21.7%	64,232	52,790	46,268	45,649	24,727	-
Total expenditure	26.3%	47,294	37,442	33,483	34,228	18,230	-
Interest expended	30.8%	32,341	24,717	22,129	23,439	13,798	-
Employees cost	23%	9,320	7,579	6,738	6,412	2,478	-
Other operating expenses	9.5%	5,633	5,146	4,615	4,378	1,954	-
Operating expenses	17.5%	14,953	12,725	11,354	10,789	4,433	-
Operating profit	10.4%	16,938	15,348	12,785	11,420	6,497	-
Provisions other than tax and contingencies	-37%	5,894	9,358	9,522	8,495	5,118	-
Profit before tax	84.4%	11,044	5,990	3,263	2,925	1,378	-
Tax expense	342.9%	2,915	659	-731.02	-90.38	620	-
Profit after tax	52.5%	8,129	5,330	3,994	3,016	758	-
Net profit (loss) for the period	52.5%	8,129	5,330	3,994	3,016	758	-
Profit (loss) of minority interest	904.8%	3.11	1.21	2.38	1.43	0.69	-
CET 1 ratio	0.7%	0.1386	0.1325	0.1284	0.1159	0.1223	-
Additional tier 1 ratio	-0.1%	051	059	064	066	03	-
Gross non performing assets	-25.1%	21,106	28,180	35,214	38,480	14,176	-
Non performing assets	-45%	2,223	4,043	8,849	12,271	6,184	-
Return on assets	0.3%	0.0112	08	064	053	029	-

Revenue Breakdown

Analysis of Indian Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Dec 31, 2024

Description	Share	Value
RETAIL BANKING	41.1%	7.5 kCr
CORPORATE / WHOLESALE BANKING	32.5%	5.9 kCr
TREASURY OPERATIONS	23.7%	4.3 kCr
OTHER BANKING OPERATIONS	2.7%	495.4 Cr
Total		18.2 kCr

Is Indian Bank Better than it's peers?

Detailed comparison of Indian Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
SBIN	State Bank Of IndiaPublic Sector Bank	7.29 LCr	6.49 LCr	+5.94%	+2.00%	9.03	1.12	+14.51%	+24.82%
BANKBARODA	Bank Of BarodaPublic Sector Bank	1.31 LCr	1.51 LCr	+10.51%	-5.78%	6.48	0.87	+10.17%	+9.00%
PNB	Punjab National BankPublic Sector Bank	1.17 LCr	1.36 LCr	+6.28%	-25.12%	7.39	0.86	+15.81%	+128.11%
INDIANB	Indian BankPublic Sector Bank	78.97 kCr	70.32 kCr	+8.31%	+11.35%	7.67	1.12	+14.19%	+40.42%
UNIONBANK	Union Bank of IndiaPublic Sector Bank	98.13 kCr	1.27 LCr	+1.88%	-14.81%	6.05	0.77	+11.51%	+22.97%
CANBK	Canara BankPublic Sector Bank	89.3 kCr	1.5 LCr	+10.62%	-84.06%	5.19	0.6	+12.15%	+20.93%

Price to Sales Ratio

Latest reported: ₹1

Revenue (Last 12 mths)

Latest reported: ₹7 kCr

Net Income (Last 12 mths)

Latest reported: ₹1 kCr

Investor Care
Dividend Yield	3.83%
Dividend/Share (TTM)	20.6
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	78.51

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

INDIANB - Indian Bank Share Price

What does Indian Bank do?

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Investor Care

Financial Health