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Swing Capital

Indian Bank

NSE: INDIANB BSE: 532814Banking

Indian Bank is a medium-sized bank which was started in 1907. It offers deposits, loans and services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. [1]

₹810
52W: ₹586 — ₹1001
PE 9.02 · Book ₹581 · +39% vs book
Market Cap₹1,09,104 Cr
Stock P/E9.02Price to Earnings
ROCE6.32%Return on Capital
ROE16.5%Return on Equity
Div. Yield2.21%Face Value ₹10

Strengths

  • +Company has delivered good profit growth of 32.2% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 20.1%

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 11.5% over past five years.
  • −Contingent liabilities of Rs.2,94,836 Cr.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters73.84%
FIIs5.82%
DIIs17.75%
Public2.58%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters73.84%73.84%73.84%73.84%73.84%73.84%73.84%73.84%
FIIs5.38%4.99%▼0.44.78%▼0.24.74%▼0.04.54%▼0.24.68%▲0.15.64%▲1.05.82%▲0.2
DIIs16.87%17.35%▲0.517.64%▲0.317.78%▲0.118.05%▲0.318.62%▲0.617.82%▼0.817.75%▼0.1
Public3.9%3.82%▼0.13.75%▼0.13.65%▼0.13.56%▼0.12.86%▼0.72.71%▼0.12.58%▼0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses4,9685,2214,8404,9874,8774,9094,7184,9405,2955,549
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit2,1192,2472,4032,7062,8522,9562,9733,0183,0613,103
EPS ₹15.7316.6817.8420.0921.1821.9522.0722.4122.7323.04

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 17.75% (+6.18pp change). FIIs: 5.82% (+1.82pp change). Promoters hold 73.84%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 9.02x with 6.32% ROCE. Price is 39% above book value of ₹581. Dividend yield: 2.21%.

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