INDIANB
Indian Bank (INDIANB) Stock Analysis
Indian Bank is a public-sector bank with a strong presence in South India and growing national footprint. It offers retail, agriculture, MSME, and corporate banking after merging with Allahabad Bank. The bank provides deposits, loans, and digital services. It is a listed PSU bank.
Financial Services › Banks - Regional
₹829.80
+4.62% 1W | +4.10% 52W
Market Cap
111.8k CR
P/E Ratio
8.7
52W High
₹1000.9
52W Low
₹756.5
Div. Yield
2.26%
Beta
0.3
50 DMA
₹854.9
200 DMA
₹866.7
Profit Margin
36.4%
Inst. Own.
17.3%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13,050 | 13,764 | 14,203 | 14,633 | 15,041 | 15,369 | 15,770 | 15,860 | 16,285 | 16,628 | 17,102 | 17,488 | 18,095 |
| Interest | 7,346 | 8,003 | 8,383 | 8,609 | 8,861 | 9,154 | 9,345 | 9,467 | 9,924 | 10,040 | 10,203 | 10,372 | 10,657 |
| Expenses | 5,161 | 5,150 | 5,158 | 5,378 | 4,994 | 5,144 | 5,102 | 5,097 | 4,880 | 5,108 | 5,492 | 5,811 | 5,946 |
| Financing Profit | 543 | 611 | 661 | 646 | 1,186 | 1,072 | 1,323 | 1,295 | 1,481 | 1,480 | 1,407 | 1,305 | 1,492 |
| Financing Margin % | 4% | 4% | 5% | 4% | 8% | 7% | 8% | 8% | 9% | 9% | 8% | 7% | 8% |
| Other Income | 1,871 | 2,166 | 2,113 | 2,432 | 2,077 | 2,602 | 2,397 | 2,935 | 1,854 | 2,643 | 2,793 | 2,773 | 2,902 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,415 | 2,777 | 2,774 | 3,078 | 3,263 | 3,674 | 3,721 | 4,230 | 3,335 | 4,123 | 4,199 | 4,078 | 4,394 |
| Tax % | 29% | 28% | 23% | 27% | 26% | 25% | 23% | 30% | 33% | 26% | 27% | 24% | 25% |
| Net Profit | 1,850 | 2,069 | 2,207 | 2,296 | 2,571 | 2,801 | 2,910 | 2,982 | 2,277 | 3,109 | 3,148 | 3,174 | 3,357 |
| EPS in Rs | 14.85 | 16.61 | 16.37 | 17.04 | 19.08 | 20.79 | 21.60 | 22.14 | 16.90 | 23.07 | 23.36 | 23.56 | 24.92 |
| Gross NPA % | 5.47% | 4.97% | 4.47% | 3.95% | 3.77% | 3.48% | 3.26% | 3.09% | 3.01% | 2.60% | 2.23% | 1.98% | 1.86% |
| Net NPA % | 0.70% | 0.60% | 0.53% | 0.43% | 0.39% | 0.27% | 0.21% | 0.19% | 0.18% | 0.16% | 0.15% | 0.15% | 0.15% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15,853 | 16,244 | 16,039 | 17,115 | 19,182 | 21,401 | 39,108 | 38,888 | 44,985 | 55,650 | 62,039 | 67,504 | 69,314 |
| Interest | 11,390 | 11,795 | 10,891 | 10,851 | 12,167 | 13,798 | 23,439 | 22,129 | 24,717 | 32,341 | 36,826 | 40,539 | 41,271 |
| Expenses | 4,219 | 5,128 | 6,144 | 6,998 | 8,289 | 9,238 | 18,029 | 20,285 | 21,577 | 20,342 | 19,818 | 20,710 | 22,358 |
| Financing Profit | 245 | -679 | -996 | -734 | -1,273 | -1,634 | -2,360 | -3,526 | -1,309 | 2,967 | 5,395 | 6,255 | 5,684 |
| Financing Margin % | 2% | -4% | -6% | -4% | -7% | -8% | -6% | -9% | -3% | 5% | 9% | 9% | 8% |
| Other Income | 1,372 | 1,789 | 2,222 | 2,417 | 1,891 | 3,326 | 6,111 | 7,380 | 7,804 | 8,582 | 10,011 | 10,829 | 11,110 |
| Depreciation | 139 | 151 | 166 | 237 | 259 | 314 | 637 | 601 | 532 | 531 | 543 | 609 | 0 |
| Profit before tax | 1,478 | 958 | 1,060 | 1,445 | 359 | 1,377 | 3,115 | 3,253 | 5,963 | 11,017 | 14,864 | 16,475 | 16,795 |
| Tax % | 31% | 25% | -33% | 13% | 11% | 45% | 3% | -23% | 11% | 26% | 26% | 26% | |
| Net Profit | 1,051 | 752 | 1,455 | 1,311 | 381 | 862 | 3,151 | 4,144 | 5,574 | 8,423 | 11,264 | 11,707 | 12,787 |
| EPS in Rs | 21.84 | 15.64 | 30.25 | 27.29 | 7.91 | 14.15 | 27.88 | 33.26 | 44.74 | 62.51 | 83.61 | 86.89 | 94.91 |
| Dividend Payout % | 19% | 10% | 20% | 0% | 0% | 0% | 7% | 20% | 19% | 19% | 19% | 21% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 12.0% | 15.0% |
| Profit CAGR | 28.0% | 30.0% | 32.0% |
Shareholding Pattern
Promoters73.84%
FIIs4.54%
DIIs18.05%
Public3.56%
Promoters73.84%
FIIs4.68%
DIIs18.62%
Public2.86%
Promoters73.84%
FIIs5.64%
DIIs17.82%
Public2.71%
Promoters73.84%
FIIs5.82%
DIIs17.75%
Public2.58%
Promoters73.84%
FIIs6.16%
DIIs17.03%
Public2.98%
Promoters79.86%
FIIs4.17%
DIIs11.55%
Public4.43%
Promoters73.84%
FIIs5.29%
DIIs16.95%
Public3.93%
Promoters73.84%
FIIs4.74%
DIIs17.78%
Public3.65%
Promoters73.84%
FIIs5.82%
DIIs17.75%
Public2.58%
Promoters73.84%
FIIs6.16%
DIIs17.03%
Public2.98%
INDIANB
Holdings Analysis
Key strengths & risk signals
73
Overall
90
Fundamental
57
Technical
Risks (3)
WEAK POSITION! Current price (829.8) is below both moving averages.
BEARISH TREND! 50-day average (854.9) is below 200-day average (866.7) - negative signal.
POSITIVE YEAR! Stock gained 4.1% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 36.4% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
TESTING SUPPORT! Stock is at key support level.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 1,058,954 vs down days: 1,051,156. Ratio: 1.01x
Fundamental & Technical Analysis
73Overall
90Fundamental
57Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 10.4% (GOOD, 11/15). Profit CAGR: 28.1% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 36.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.31 indicates stock is cheap relative to growth.
Dividend Yield
6/10
MODERATE DIVIDEND! 2.26% yield - some income benefit.
Debt to Equity
8/10
LOW DEBT! D/E of 0.47 - strong balance sheet.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.58% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (854.9) is below 200-day average (866.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (829.8) is below both moving averages.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
4/10
POSITIVE YEAR! Stock gained 4.1% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 1,058,954 vs down days: 1,051,156. Ratio: 1.01x
RSI
3/5
NEUTRAL! RSI at 49.0 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 30.0% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 4.6% (1 week), -3.1% (1 month), -4.7% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
INDIANB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-17 | Concall PDF | |
| Q2FY262026-01-30 | Concall PDF | |
| Q1FY262025-10-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| INDIANB | ₹829.80 | 8.7 | 36.4% | 10.4% | 28.1% | +4.1% | 73 | BOUNCE FROM SUPPORT | +47.5% | +5.8% | +15.1% | +4.6% |
| CANBK | ₹119.60 | 5.5 | 43.1% | 5.0% | 20.5% | -5.6% | 68 | BREAKDOWN | +62.2% | +13.3% | -12.8% | +16.8% |
| BANKBARODA | ₹235.80 | 6.7 | 27.4% | 10.3% | 10.0% | -12.3% | 63 | CONSOLIDATING DOWN | -48.6% | -69.3% | +10.6% | +4.2% |
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| IDBI | ₹83.10 | 9.6 | 48.6% | 7.9% | 35.5% | -11.0% | 64 | CONSOLIDATION | +5.3% | +6.0% | -1.4% | +7.5% |
| PNB | ₹117.00 | 6.1 | 38.1% | 10.0% | 76.4% | +0.3% | 76 | APPROACHING RESISTANCE | +174.3% | +4.0% | -4.9% | +4.9% |
| FEDERALBNK | ₹330.00 | 17.7 | 30.7% | 16.6% | 11.1% | +56.0% | 72 | APPROACHING RESISTANCE | +36.8% | -6.3% | +16.7% | -6.9% |
| AUBANK | ₹982.00 | 25.9 | 25.6% | 30.4% | 22.8% | +30.7% | 79 | APPROACHING SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
Data from TradeAlone · Updated daily
