Indian Bank Q4 FY26 earnings call summary

Earnings call of 29 Apr 2026, summarised by AI from the filing.

Indian Bank guides FY27 advances growth of 11-13% and NIM of 3.10-3.25%, after Q4 FY26 net profit of ₹3,103 cr.

Key takeaways

1. Net profit Q4 FY26 net profit ₹3,103 cr, up 1.3% sequentially; FY26 net profit ₹12,156 cr (FY25: ₹10,918 cr, +11.33%).
2. ECL timeline ECL impact to be absorbed in six to nine months, with some spillover to next year.
3. Digital growth Digital business grew 63% to ₹272,000 cr in FY26, with 2.36 crore mobile banking customers.
4. Margin pressure Cost of deposits expected to remain elevated as advance growth outpaces deposit growth, pressuring NIM.

Original filing on BSE

Indian Bank Q1 FY27 results

As filed: Revenue ₹18,095 cr, EBITDA ₹1,492 cr, PAT ₹3,299 cr, EBITDA margin 8.3%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹17,489 cr, EBITDA ₹1,305 cr, PAT ₹3,115 cr, EBITDA margin 7.5%. Not scored. Bank result format: not scored yet. Share price after the results: −10.7% in 30 days (Nifty 500: −1.5%).
• Q3 FY26: Revenue ₹17,102 cr, EBITDA ₹1,407 cr, PAT ₹3,086 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: +11.6% in 30 days (Nifty 500: −0.7%).
• Q2 FY26: Revenue ₹16,628 cr, EBITDA ₹1,480 cr, PAT ₹3,041 cr, EBITDA margin 8.9%. Not scored. Bank result format: not scored yet. Share price after the results: +10.7% in 30 days (Nifty 500: +2.3%).
• Q1 FY26: Revenue ₹16,285 cr, EBITDA ₹715 cr, PAT ₹2,219 cr, EBITDA margin 4.4%. Not scored. Bank result format: not scored yet. Share price after the results: +5.8% in 27 days (Nifty 500: −2.6%).
• Q4 FY25: Revenue ₹15,860 cr, EBITDA ₹1,295 cr, PAT ₹2,961 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: +4.1% in 30 days (Nifty 500: +3.4%).
• Q3 FY25: Revenue ₹15,770 cr, EBITDA ₹1,324 cr, PAT ₹2,876 cr, EBITDA margin 8.4%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹15,369 cr, EBITDA ₹1,072 cr, PAT ₹2,740 cr, EBITDA margin 7.0%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Indian Bank earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (10 Jul 2026), Results deck (10 Jul 2026), Results deck (19 Aug 2026), Results press release (10 Jul 2026)
• Q4 FY26: Earnings call (29 Apr 2026), Results deck (29 Apr 2026), Results press release (29 Apr 2026)
• Q3 FY26: Earnings call (22 Jan 2026), Results deck (22 Jan 2026), Results press release (22 Jan 2026)
• Q2 FY26: Earnings call (16 Oct 2025), Results deck (16 Oct 2025), Results press release (16 Oct 2025)
• Q1 FY26: Earnings call (24 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (3 May 2025), Results deck (3 May 2025), Results press release (3 May 2025)