We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
3 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 3 documents here); elsewhere sentences render unattributed.
Kind
Date
Period
Served
Attribution rate
TRANSCRIPT
20220519
2022-03-31
yes
TRANSCRIPT
20230512
2022-03-31
yes
TRANSCRIPT
20230802
2022-06-30
yes
TRANSCRIPT
20241104
2024-09-30
yes
TRANSCRIPT
20250731
2025-06-30
yes
TRANSCRIPT
20251027
2025-09-30
yes
TRANSCRIPT
20260506
2026-03-31
yes
TRANSCRIPT
20260717
2026-06-30
yes
INDIANB
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
Statement division
banking
Scope served
consolidated
Panels on this page
5
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
Last close
830.00
52-week range
706.35 – 991.55
Return 1M
-5.47%
Return 3M
-0.31%
Return 1Y
17.2%
Return 3Y
92.62%
Return 5Y
546.92%
Market capitalisation
not shown — we could not confirm it
Shares outstanding
not shown — we could not confirm it
P/E
not shown — we could not confirm it
P/B
not shown — we could not confirm it
EV/EBITDA
not shown — we could not confirm it
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
Interest earned
18,095.00
Interest on advances and bills
13,123.00
Income on investments
4,226.00
Interest on balances with the RBI and interbank funds
401.00
Other interest
345.00
Interest expended
10,657.00
Other income
2,902.00
Total income
20,997.00
Ownership — 2026-06-30, and the change from 2026-03-31
Holder
Per cent
Change
promoter and promoter group
0.74
0.00
institutions foreign
0.06
0.00
institutions domestic
0.17
-0.01
mutual funds
0.14
-0.00
public
0.26
0.00
Documents on file
Class
Most recent
On file
TRANSCRIPT
2026-06-30
8
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
Line
2022-09-30
2023-09-30
2024-03-31
2024-09-30
2025-03-31
2025-09-30
2026-03-31
Net cash from operating activities
-26,398.00
-7,985.00
-8,617.00
16.00
17,396.00
5,613.00
18,815.00
Net cash from investing activities
-123.00
-316.00
-618.00
-262.00
-348.00
-199.00
-428.00
Net cash from financing activities
-810.00
-1,071.00
1,195.00
-1,616.00
-4,264.00
-2,189.00
-7,649.00
Purchase of property, plant and equipment
133.00
324.00
627.00
273.00
0.00
214.00
454.00
Net increase in cash
-27,330.00
-9,372.00
-8,040.00
-1,862.00
12,784.00
3,225.00
10,738.00
con:CFO.BEFORE_TAX
-26,393.00
-7,966.00
-8,021.00
-186.00
17,153.00
5,494.00
20,130.00
con:INTEREST_RECEIVED.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:INTEREST_PAID.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:DIVIDENDS_RECEIVED.OPERATING
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:TAX_PAID.OPERATING
5.00
206.00
890.00
12.00
26.00
7.00
1,561.00
con:CF_OTHER.OPERATING
0.00
187.00
293.00
215.00
270.00
127.00
246.00
con:INVESTMENTS_PURCHASED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:INVESTMENTS_SOLD
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:PPE_DISPOSALS
0.00
0.00
9.00
11.00
0.00
15.00
26.00
con:CF_INVESTING.SUBSIDIARIES_SOLD
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.SUBSIDIARIES_ACQUIRED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.JV_SOLD
0.00
0.00
0.00
0.00
0.00
0.00
0.00
con:CF_INVESTING.JV_ACQUIRED
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Quarterly results, as filed
Line
2022-09-30
2023-09-30
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-03-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Interest earned
10,728.00
13,764.00
14,203.00
14,633.00
15,041.00
15,369.00
15,770.00
15,860.00
16,285.00
16,628.00
17,102.00
17,488.00
18,095.00
Interest on advances and bills
7,434.00
10,030.00
10,349.00
10,636.00
10,849.00
11,125.00
11,426.00
11,457.00
11,738.00
11,964.00
12,449.00
12,702.00
13,123.00
Income on investments
2,914.00
3,368.00
3,425.00
3,556.00
3,735.00
3,813.00
3,894.00
3,906.00
3,946.00
4,053.00
4,006.00
4,112.00
4,226.00
Interest on balances with the RBI and interbank funds
248.00
325.00
376.00
418.00
402.00
390.00
409.00
388.00
395.00
428.00
390.00
439.00
401.00
Other interest
132.00
41.00
52.00
22.00
55.00
41.00
41.00
109.00
207.00
182.00
257.00
235.00
345.00
Interest expended
6,026.00
8,003.00
8,383.00
8,609.00
8,861.00
9,154.00
9,345.00
9,467.00
9,924.00
10,040.00
10,203.00
10,372.00
10,657.00
Other income
1,987.00
2,166.00
2,113.00
2,432.00
2,077.00
2,602.00
2,397.00
2,935.00
2,620.00
2,643.00
2,793.00
2,773.00
2,902.00
Total income
12,714.00
15,929.00
16,315.00
17,065.00
17,118.00
17,971.00
18,168.00
18,794.00
18,906.00
19,271.00
19,895.00
20,261.00
20,997.00
Employee benefit expense
1,789.00
2,190.00
2,350.00
2,647.00
2,317.00
2,481.00
2,442.00
2,734.00
2,645.00
2,681.00
2,814.00
2,741.00
3,099.00
Operating expenses
3,038.00
3,599.00
3,809.00
4,127.00
3,733.00
4,045.00
4,042.00
4,303.00
4,189.00
4,370.00
4,635.00
4,583.00
4,752.00
Expenditure excluding provisions and contingencies
9,064.00
11,602.00
12,192.00
12,737.00
12,594.00
13,198.00
13,387.00
13,770.00
14,113.00
14,410.00
14,838.00
14,955.00
15,409.00
Operating profit before provisions
3,650.00
4,328.00
4,123.00
4,329.00
4,524.00
4,773.00
4,780.00
5,024.00
4,792.00
4,862.00
5,056.00
5,306.00
5,588.00
Provisions and contingencies
2,060.00
1,551.00
1,349.00
1,251.00
1,261.00
1,099.00
1,060.00
794.00
691.00
739.00
857.00
1,228.00
1,194.00
Exceptional items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-767.00
0.00
0.00
0.00
0.00
Profit before tax
1,590.00
2,777.00
2,774.00
3,078.00
3,263.00
3,674.00
3,721.00
4,230.00
3,335.00
4,123.00
4,199.00
4,078.00
4,394.00
Tax expense
346.00
769.00
638.00
818.00
846.00
934.00
844.00
1,268.00
1,116.00
1,082.00
1,113.00
963.00
1,095.00
Profit for the period
1,245.00
2,008.00
2,136.00
2,260.00
2,417.00
2,740.00
2,876.00
2,961.00
2,219.00
3,041.00
3,086.00
3,115.00
3,299.00
Profit attributable to owners
1,287.00
2,068.00
2,206.00
2,296.00
2,570.00
2,800.00
2,910.00
2,982.00
2,276.00
3,108.00
3,147.00
3,173.00
3,357.00
Profit attributable to non-controlling interests
1.00
1.00
1.00
1.00
1.00
1.00
0.00
0.00
1.00
1.00
1.00
0.00
1.00
con:SHARE_OF_ASSOCIATES
43.00
61.00
70.00
36.00
154.00
61.00
34.00
21.00
59.00
68.00
61.00
58.00
58.00
Earnings per share, basic
10.34
16.61
17.46
17.04
19.08
20.79
21.60
22.14
16.90
23.07
23.36
23.56
24.92
Earnings per share, diluted
10.34
16.61
17.46
17.04
19.08
20.79
21.60
22.14
16.90
23.07
23.36
23.56
24.92
Annual results, as filed
Line
2024-03-31
2025-03-31
2026-03-31
Interest earned
55,650.00
62,039.00
67,504.00
Interest on advances and bills
40,619.00
44,856.00
48,854.00
Income on investments
13,435.00
15,348.00
16,117.00
Interest on balances with the RBI and interbank funds
1,388.00
1,590.00
1,653.00
Other interest
208.00
246.00
881.00
Interest expended
32,341.00
36,826.00
40,539.00
Other income
8,582.00
10,011.00
10,829.00
Total income
64,232.00
72,051.00
78,333.00
Employee benefit expense
9,320.00
9,975.00
10,880.00
Operating expenses
14,953.00
16,123.00
17,778.00
Expenditure excluding provisions and contingencies
47,294.00
52,949.00
58,317.00
Operating profit before provisions
16,938.00
19,101.00
20,016.00
Provisions and contingencies
5,894.00
4,214.00
3,515.00
Profit before exceptional items and tax
—
14,887.00
15,735.00
Exceptional items
0.00
0.00
-767.00
Profit before tax
11,044.00
14,887.00
15,735.00
Tax expense
2,915.00
3,893.00
4,275.00
Profit for the period
8,129.00
10,995.00
11,460.00
Profit attributable to owners
8,419.00
11,261.00
11,704.00
Profit attributable to non-controlling interests
3.00
3.00
2.00
con:SHARE_OF_ASSOCIATES
293.00
270.00
246.00
Earnings per share, basic
66.03
83.61
86.89
Earnings per share, diluted
66.03
83.61
86.89
Balance sheet, as filed
Line
2022-09-30
2023-09-30
2024-03-31
2024-09-30
2025-03-31
2025-09-30
2026-03-31
Capital
1,245.00
1,245.00
1,347.00
1,347.00
1,347.00
1,347.00
1,347.00
Reserves and surplus
46,329.00
52,142.00
58,901.00
64,875.00
70,166.00
75,540.00
78,696.00
Deposits
588,814.00
640,759.00
687,953.00
693,067.00
737,098.00
776,877.00
827,654.00
Borrowings
22,070.00
24,939.00
23,143.00
33,416.00
41,552.00
42,282.00
46,807.00
Other liabilities and provisions
17,333.00
22,642.00
24,365.00
23,380.00
26,875.00
28,440.00
37,049.00
Total equity and liabilities
675,791.00
741,727.00
795,709.00
816,085.00
877,039.00
924,486.00
991,553.00
Cash and balances with the RBI
29,119.00
29,304.00
32,703.00
35,362.00
31,948.00
31,912.00
34,055.00
Balances with banks and money at call
23,519.00
11,541.00
9,474.00
4,953.00
23,014.00
26,274.00
31,645.00
Investments
184,262.00
204,114.00
215,242.00
219,752.00
228,421.00
238,535.00
247,682.00
Advances
412,064.00
470,627.00
514,889.00
532,942.00
571,071.00
605,169.00
654,888.00
Property, plant and equipment
7,551.00
7,499.00
7,540.00
7,549.00
8,857.00
8,750.00
8,677.00
Other assets
19,276.00
18,643.00
15,861.00
15,527.00
13,728.00
13,845.00
14,606.00
Total assets
675,791.00
741,727.00
795,709.00
816,085.00
877,039.00
924,486.00
991,553.00
Asset quality and capital, as filed
Line
2023-09-30
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-03-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Gross non-performing assets
24,488.00
22,787.00
21,106.00
20,302.00
19,148.00
18,208.00
18,179.00
18,067.00
16,135.00
14,268.00
13,190.00
12,710.00
Net non-performing assets
2,826.00
2,579.00
2,223.00
2,027.00
1,445.00
1,127.00
1,110.00
1,036.00
983.00
968.00
965.00
990.00
Gross NPA, per cent
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA, per cent
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Return on assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CET-1 ratio
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Additional Tier-1 ratio
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
Holder
2023-03-31
2023-09-30
2023-12-16
2023-12-31
2024-03-31
2024-06-30
2024-09-30
2024-12-31
2025-03-31
2025-06-30
2025-09-30
2025-12-31
2026-03-31
2026-06-30
Promoter and promoter group
79.86
79.86
73.84
73.84
73.84
73.84
73.84
73.84
73.84
73.84
0.74
0.74
0.74
0.74
Domestic institutions
11.55
11.76
15.01
15.84
16.95
16.88
17.35
17.64
17.77
18.05
0.19
0.18
0.18
0.17
Mutual funds
—
—
—
—
—
—
—
—
—
13.26
0.14
0.14
0.14
0.14
Insurance companies
3.32
3.36
3.77
4.78
4.71
4.60
4.57
4.62
4.73
4.40
0.04
0.04
0.04
0.03
Foreign institutions
4.17
4.33
6.93
5.89
5.29
5.38
4.99
4.78
4.74
4.55
0.05
0.06
0.06
0.06
Government
—
—
—
—
—
—
—
—
—
0.00
0.00
0.00
0.00
0.00
Public
20.14
20.14
26.16
26.16
26.16
26.16
26.16
26.16
26.16
26.16
0.26
0.26
0.26
0.26
Non-institutional
4.43
4.05
4.22
4.44
3.92
3.90
3.82
3.74
3.65
3.56
0.03
0.03
0.03
0.03
Shares outstanding
1245441139
1245441139
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
1346963981
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
Counterparty
Relationship
Type
Amount in the period
Transactions
UNIVERSAL SOMPO GENERAL INSURANCE CO. LTD.
JOINT VENTURE
Any other transaction, Dividend received
125,908,000.00
4
ASREC (INDIA) LIMITED
JOINT VENTURE
Any other transaction
55,500,000.00
1
S.L.JAIN
KEY MANAGERIAL PERSONNEL OF THE EN
Remuneration
2,258,000.00
1
ASHUTOSH CHOUDHURY
KEY MANAGERIAL PERSONNEL OF THE EN
Remuneration
2,232,000.00
1
MAHESH KUMAR BAJAJ
KEY MANAGERIAL PERSONNEL OF THE EN
Remuneration
1,979,000.00
1
SHIV BAJRANG SINGH
KEY MANAGERIAL PERSONNEL OF THE EN
Remuneration
1,895,000.00
1
BRAJESH KUMAR SINGH
KEY MANAGERIAL PERSONNEL OF THE EN
Remuneration
1,765,000.00
1
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
What is our total digital spend budget for this FY'24, and out of which, how much are we going to have the CapEx and how much percentage wise is going…
—
Capital allocation
So retail deposit side we have opened 20 liability acquisition centers also, we have now started NRIs with this also.
So, what is the credit quality of this these accounts, and secondly, what is the cost of acquisition of these accounts?
Demand
We are in the pipeline, for on boarding the customers already RFPs are floated just last minute of finalizing the vendors.
84,000 crore of sanctions are in pipeline, Rs.
Guidance
We have given guidance of 8% to 10% on deposit growth so we are catching that and in that credit side we have given a guidance of 10% to 12% we are at…
What is the guidance for credit cost for FY23?
Margin
We have improved our margin from 3.59% to 3.61%.
So liability side we should be able to protect our margin or margin should be in the same range in the next financial year.
People
Ashok Ajmera, Analyst: And the last throw some color on overall HR initiatives and HR developments and that going forward, how do we plan to manage ou…
So this is the minimum which we should get and now you see with the inflation, rising commodity prices and increasing capacity utilization, we could p…
Pricing
—
The third point is what happens when the earlier time, when there was excess liquidity, so pricing power is virtually with the customer.
Revenue growth
In the retail growth 16% is backed by the housing loan growth of 14%, auto loan growth of 29% and personal loan growth of 52%.
If you see the quarterly performance of March 22 vis a vis March 21, our net profit would showing a degrowth of 42% yoy.
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
Date
Quarter
Who
What they said
2023-05-12
Q4FY22
Shri S. L. Jain
So our MCLR number which was 56% in December, we have moved to 59% and repo which was 36, 34, because what happens if the repo will come down and of course that we may expect the last quarter and again depends on the inflation, and inflation depends on the monsoon and all, right, but we should be ready to that.
2023-05-12
Q4FY22
Shri Ashwani Kumar
So deposit growth has been quite low as compared to the system and we are still looking at around 3.4% margin and next year also we are projecting margin -- giving guidance of around the same level.
2023-05-12
Q4FY22
Shri S. L. Jain
So we have considered all calculation and come to that we should be able to protect, but of course everything 10, 15 bps here and there can always happen.