Indian Bank Q1 FY27 Results: PAT Jumps 47% YoY, stock Jumps
Indian Bank reported strong Q1 FY27 earnings, with consolidated PAT rising 47.46% YoY, NII growing nearly 17%, and gross NPA improving to 1.86%.
Indian Bank Q1 Results: Indian Bank reported consolidated total income of ₹20,997.38 crore in Q1 FY27, up 11.06% YoY, while PAT jumped 47.46% to ₹3,356.63 crore. Gross NPA improved to 1.86%, while Net NPA stood at 0.15%.
Indian Bank Q1 Results: Indian Bank started FY27 with strong profit growth and better asset quality. Consolidated PAT rose 47.46% from the year-ago quarter, while NII increased 16.94%. Gross NPA improved from 3.01% in Q1 FY26 to 1.86% in Q1 FY27. Here are the detailed A1 breakdown.
Indian Bank Q1 FY27 Results Highlights
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Interest earned stood at ₹18,095.14 crore in Q1 FY27, up 11.11% from ₹16,285.10 crore in the same quarter last year. Compared with Q4 FY26, interest earned increased 3.47%.
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Total income rose to ₹20,997.38 crore from ₹18,905.60 crore in Q1 FY26, registering an 11.06% YoY increase. On a quarter-on-quarter basis, total income grew 3.63%.
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Net interest income came in at ₹7,438.28 crore. This was 16.94% higher than ₹6,361.01 crore reported in Q1 FY26. NII also increased 4.52% from March quarter.
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Operating profit before provisions and contingencies reached ₹5,588.06 crore, rising 16.60% from ₹4,792.38 crore a year earlier. Compared with Q4 FY26 operating profit of ₹5,305.81 crore, it grew 5.32%.
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Consolidated PAT rose to ₹3,356.63 crore from ₹2,276.37 crore in the year-ago quarter, a growth of 47.46%. Profit was also 5.79% higher compared with Q4 FY26.
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Asset quality showed a clear improvement on a yearly basis. Gross NPA declined to 1.86% from 3.01% in Q1 FY26 and 1.98% in Q4 FY26.
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Net NPA stood at 0.15%, unchanged from March quarter and lower than 0.18% a year earlier.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Interest Earned (₹ Cr) |
18,095.14 |
17,488.50 |
+3.47% |
16,285.10 |
+11.11% |
|
Total Income (₹ Cr) |
20,997.38 |
20,261.23 |
+3.63% |
18,905.60 |
+11.06% |
|
NII (₹ Cr) |
7,438.28 |
7,116.54 |
+4.52% |
6,361.01 |
+16.94% |
|
Operating Profit (₹ Cr) |
5,588.06 |
5,305.81 |
+5.32% |
4,792.38 |
+16.60% |
|
Provisions & Contingencies (₹ Cr) |
1,193.60 |
1,228.00 |
-2.80% |
691.02 |
+72.73% |
|
PAT (₹ Cr) |
3,356.63 |
3,173.05 |
+5.79% |
2,276.37 |
+47.46% |
|
EPS - Diluted (₹) |
24.92 |
23.56 |
+5.77% |
16.90 |
+47.46% |
|
Gross NPA (%) |
1.86% |
1.98% |
-12 bps |
3.01% |
-115 bps |
|
Net NPA (%) |
0.15% |
0.15% |
No change |
0.18% |
-3 bps |
Source: NSE filing, Indian Bank Q1 FY27 Consolidated Financial Results
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Indian Bank Segment-wise Performance In Q1 FY27
Retail banking remained the largest revenue contributor during Q1 FY27, followed by corporate and wholesale banking. Other banking operations recorded the fastest percentage growth, though from a smaller base.
|
Segment |
Q1 FY27 (₹ Cr) |
Q1 FY26 (₹ Cr) |
YoY % |
|---|---|---|---|
|
Treasury Operations |
5,121.72 |
4,744.08 |
+7.96% |
|
Corporate/Wholesale Banking |
6,854.50 |
5,940.49 |
+15.39% |
|
Retail Banking |
8,486.62 |
7,837.69 |
+8.28% |
|
Other Banking Operations |
534.54 |
383.34 |
+39.44% |
|
Total |
20,997.38 |
18,905.60 |
+11.06% |
Source: NSE filing, Indian Bank Q1 FY27 Consolidated Segment Results
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Indian Bank Dividend 2026 and Stock Performance
No new dividend was announced as part of the Q1 FY27 results filing dated 10 July 2026.
As of 10 July, 1. 50 PM
Indian Bank shares jumped after the company reported a strong set of Q1 FY27 results, while improved market sentiment also supported the stock. At the time of writing, the stock was trading 9% higher as of 1:50 PM. On a year-to-date basis, Indian Bank shares have gained 3.52%.