Indian Bank — Q1FY27 earnings call summary

Filed 17 July 2026 · Official transcript

Guidance: CASA target ~40%, gross NPA 1.50-1.60%, credit cost within 1%
FCNR(B) mobilisation at USD150 mn; plan USD1.5-2 bn; capex Rs.750 Cr for AI/cybersecurity
Margins expected stable at upper end of 3.15-3.25% guidance; cautious loan pricing
Deposits grew 13.40%, advances 13.89%, CASA up 15.30% in Q1 FY27
LCR stable at 123%; treasury profit guidance Rs.600-700 Cr for FY27
Credit cost declined to 0.23%; gross NPA down to 1.86%; PCR at 98.22%
Net profit rose 10.09% y-y to Rs.3,273 Cr; NII up 17% y-y; NIM expanded 6 bps
MSME stress not visible; ECLGS disbursed Rs.5,000 Cr of Rs.11,000 Cr eligible