Indian Bank
NSE: INDIANB · Public Sector Bank
Snapshot
Unlock Indian Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Bank is a public sector bank providing a comprehensive suite of financial products including savings, current, and term deposits. It serves a diverse clientele through a vast network of branches and ATMs, offering credit facilities across agriculture, MSME, corporate, and retail segments.
Business Model
The bank generates revenue primarily through net interest income derived from the spread between interest earned on loans and interest paid on deposits. It also earns fee-based income through digital banking services, processing fees, and various government-sponsored financial schemes.
- Domestic Branches:5732
- Overseas Branches:3
- ATMs and BNAs:4925
Growth Outlook
Growth is expected to be driven by the expansion of digital banking products and the continued penetration of credit services into the MSME and agricultural sectors. The bank is also leveraging centralized processing services to improve operational efficiency.
Key Risks
- Asset Quality Risk. As a public sector bank, exposure to large corporate loans and priority sector lending may lead to fluctuations in non-performing assets.
- Regulatory Risk. Changes in Reserve Bank of India monetary policies and capital adequacy requirements can significantly impact profitability and lending capacity.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and sophisticated cyber-attacks.
- Interest Rate Risk. Volatility in market interest rates may compress net interest margins and affect the valuation of the bank's investment portfolio.
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Key Metrics
REVENUE
₹65,875 Cr
TTM · consolidated
NET PROFIT
₹12,541 Cr
TTM · consolidated
EPS
₹94.91
TTM · consolidated
P/E
9.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.0%
Q3 FY26 · consolidated
Peers · Public Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Indian BankINDIANB | ₹1.18L Cr | 9.27 | — | 8.3% | — | 15.5% | — | +32.4% |
Union Bank of IndiaUNIONBANK | ₹1.43L Cr | 6.92 | — | 1.7% | — | 16.2% | — | +47.6% |
Punjab National BankPNB | ₹1.34L Cr | 6.57 | — | — | — | 13.7% | — | +13.1% |
Bank of BarodaBANKBARODA | ₹1.24L Cr | 7.38 | — | 4.3% | — | 11.7% | — | +2.2% |
Canara BankCANBK | ₹1.14L Cr | 5.73 | — | 6.8% | — | 14.9% | — | +18.3% |
Bank of MaharashtraMAHABANK | ₹66,109 Cr | 8.77 | — | 17.4% | — | 22.4% | — | +65.2% |
As of Q3 FY26
Financials
Indian Bank
NSE: INDIANB · Public Sector Bank
Snapshot
Unlock Indian Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Bank is a public sector bank providing a comprehensive suite of financial products including savings, current, and term deposits. It serves a diverse clientele through a vast network of branches and ATMs, offering credit facilities across agriculture, MSME, corporate, and retail segments.
Business Model
The bank generates revenue primarily through net interest income derived from the spread between interest earned on loans and interest paid on deposits. It also earns fee-based income through digital banking services, processing fees, and various government-sponsored financial schemes.
- Domestic Branches:5732
- Overseas Branches:3
- ATMs and BNAs:4925
Growth Outlook
Growth is expected to be driven by the expansion of digital banking products and the continued penetration of credit services into the MSME and agricultural sectors. The bank is also leveraging centralized processing services to improve operational efficiency.
Key Risks
- Asset Quality Risk. As a public sector bank, exposure to large corporate loans and priority sector lending may lead to fluctuations in non-performing assets.
- Regulatory Risk. Changes in Reserve Bank of India monetary policies and capital adequacy requirements can significantly impact profitability and lending capacity.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and sophisticated cyber-attacks.
- Interest Rate Risk. Volatility in market interest rates may compress net interest margins and affect the valuation of the bank's investment portfolio.
Start your research today
Unlock AI insights, financials, peers and live data on Indian Bank and 5,000+ companies — free.
Key Metrics
REVENUE
₹65,875 Cr
TTM · consolidated
NET PROFIT
₹12,541 Cr
TTM · consolidated
EPS
₹94.91
TTM · consolidated
P/E
9.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.0%
Q3 FY26 · consolidated
Peers · Public Sector Bank
As of Q3 FY26