Indian Bank
Indian Bank valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Indian Bank, framed against the sector median so the premium or discount is obvious at a glance.
Indian Bank trades at a P/E of 10.09× and P/B of 1.47×, against the Financial Services sector median P/E of 8.21×.
Valuation
Profitability
Growth
Financial Health
Indian Bank financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Indian Bank, switchable between annual and quarterly views, consolidated or standalone.
Indian Bank reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,17,980.58 Cr and reported EPS of ₹86.87.
| Period | 2019 | 2020 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Other Income | 1,891 | 3,326 | 4,715 | 6,540 | 7,407 | 7,805 | 8,582 | 10,011 | 10,829 |
| Total Income | 21,073 | 24,727 | 34,924 | 45,649 | 46,268 | 52,790 | 64,232 | 72,051 | 78,333 |
| +Non-Operating Expenses | — | — | — | — | — | — | — | — | -767 |
| Profit Before Tax (PBT) | 283 | 1,378 | 2,164 | 2,925 | 3,263 | 5,990 | 11,044 | 14,887 | 15,735 |
| Tax Expense | -38 | 620 | 829 | -90 | -731 | 659 | 2,915 | 3,893 | 4,275 |
| Profit After Tax (PAT) | 321 | 758 | 1,335 | 3,016 | 3,994 | 5,330 | 8,129 | 10,995 | 11,460 |
| Earnings Per Share (EPS) | 7.91 | 14.15 | 12.61 | 27.88 | 33.26 | 44.74 | 62.51 | 83.61 | 86.89 |
| Diluted Shares Outstanding (Nos.) | 48 | 61 | 113 | 113 | 125 | 125 | 135 | 135 | 135 |
| +Banking Income | 21,073 | 24,727 | 34,924 | 45,649 | 46,268 | 52,790 | 64,232 | 72,051 | 78,333 |
| +Banking Expenses | 16,195 | 18,230 | 26,022 | 34,228 | 33,483 | 37,442 | 47,294 | 52,949 | 58,317 |
| +Asset Quality & Capital | 13,383 | 14,176 | 35,262 | 38,480 | 35,214 | 28,180 | 21,106 | 18,179 | 13,190 |
| +Additional Disclosures | 60 | 105 | 91 | 136 | 153 | 244 | 296 | 272 | 249 |
| Tax % | -13 | 45 | 38 | -3 | -22 | 11 | 26 | 26 | 27 |
| Profit Growth % | — | 136.21 | — | 297.81 | 32.44 | 33.47 | 52.50 | 35.25 | 4.23 |
Indian Bank segment analysis: revenue and profit mix.
Disclosed business segments at Indian Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Indian Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Indian Bank investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Indian Bank, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Indian Bank's investment case rests on 6 positive markers and 6 flagged concerns drawn from the latest reported filings.
What you're getting.
Indian Bank exhibits a remarkably low Price-to-Earnings (PE) ratio of 7.90, significantly lower than the industry average, suggesting it might be undervalued in the market. This presents a potentially attractive entry point for investors seeking value stocks.
The company boasts a strong Return on Equity (ROE) of 17.10%, indicating efficient utilization of shareholder investments and generating substantial profits. This high ROE signifies a healthy and profitable business model.
Indian Bank shows consistent quarterly profit growth, with an 11.00% increase in the latest quarter. This positive trend suggests robust financial performance and future growth potential, indicating operational efficiency.
A significant 73.8% promoter holding demonstrates strong insider confidence in the company's future prospects. This high promoter stake reduces the risk of hostile takeovers and aligns management incentives with shareholder interests.
Indian Bank's market capitalization of ₹114,532 Cr is significantly lower than larger peers like SBI (₹863,201 Cr). This suggests substantial room for growth and market share expansion within the banking sector.
What can break it.
Indian Bank's high debt-to-equity ratio of 10.60 indicates a substantial reliance on debt financing, which could increase financial risk and vulnerability during economic downturns or interest rate hikes.
While quarterly profits are growing, the absolute profit of ₹3108 Cr is relatively modest compared to the ₹114532 Cr market capitalization. This suggests that the company's growth might be limited in the near term.
A decrease in promoter holding from 79.86% to 73.84% over recent periods might signal some concern. This reduction in promoter stake warrants further investigation into the underlying reasons for the divestment.
The stock has shown some volatility in recent trading, with daily changes like -0.74% and +3.28% over the last five days. This price fluctuation indicates market uncertainty and potential investment risk for short-term traders.
The presence of several large public sector banks like SBI and Bank of Baroda creates intense competition. This competitive landscape could pressure Indian Bank's market share and profitability in the long run.
What would change my mind.
Trim if P/E re-rates above 13 (~1.6× the sector multiple of 8.2). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 10%. The operating engine is no longer compounding capital efficiently.
Indian Bank peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Indian Bank is highlighted for quick read-across.
Quick Compare
Indian Bank technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Indian Bank — derived from the live tape, not yesterday's close.
Indian Bank last traded at ₹876.35 with an intraday range of ₹853.45–₹878.25 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹876.35| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 934.85 | +58.50 | +6.68% |
| R3 | 910.05 | +33.70 | +3.85% |
| R2 | 894.15 | +17.80 | +2.03% |
| R1 | 885.25 | +8.90 | +1.02% |
| PIVOT | 869.35 | -7.00 | -0.80% |
| CURRENT | 876.35 | — | — |
| S1 | 810.85 | -65.50 | -7.47% |
| S2 | 835.65 | -40.70 | -4.64% |
| S3 | 844.55 | -31.80 | -3.63% |
| S4 | 860.45 | -15.90 | -1.81% |
INDIANB is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 853.45 ~ 858
Trading Above opening range, showing Bullishness
Indian Bank chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Indian Bank — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Indian Bank delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Indian Bank over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Indian Bank stood at 45.4% of traded volume, against a 20-day average of 46.7%.
Indian Bank announcements: results, concalls, ratings, M&A.
Filings Indian Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Indian Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 147 documents below.
Shareholders meeting
Indian Bank has informed the Exchange regarding Notice of Annual General Meeting to be held on Jun 17, 2026
Change in Management
Indian Bank has informed the Exchange about change in Management
Retirement
Indian Bank has informed the Exchange about Retirement of Shri Sukh Sagar Prasad Roy, Chief General Manager from Bank's services on superannuation
Analysts/Institutional Investor Meet/Con. Call Updates
Indian Bank has informed the Exchange about Update on Post Earnings Concall / Meet with Investors / Analysts: Audio / Video Recording
General Updates
Indian Bank has informed the Exchange about updated Presentation on Audited Financial Results of the Bank for the Fourth Quarter and Financial Year…
Investor decks & rating reports.
Indian Bank insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Indian Bank as reported to SEBI — buying and selling signals from the people who know the business best.
Indian Bank insider activity below tracks 15 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| CHANDRASEKARAN V | Insider | 25 Mar 2026 | buy | +579 | ₹5.19 L | ₹896.00 |
| CHANDRASEKARAN V | Insider | 25 Mar 2026 | buy | +579 | ₹5.19 L | ₹896.00 |
| CHANDRASEKARAN V | Insider | 25 Mar 2026 | buy | +579 | ₹5.19 L | ₹896.00 |
| CHANDRASEKARAN V | Insider | 25 Mar 2026 | buy | +579 | ₹5.19 L | ₹896.00 |
| CHANDRASEKARAN V | Insider | 19 Mar 2026 | buy | +579 | ₹4.98 L | ₹860.00 |
| CHANDRASEKARAN V | Insider | 19 Mar 2026 | buy | +579 | ₹4.98 L | ₹860.00 |
| CHANDRASEKARAN V | Insider | 19 Mar 2026 | buy | +579 | ₹4.98 L | ₹860.00 |
| CHANDRASEKARAN V | Insider | 19 Mar 2026 | buy | +579 | ₹4.98 L | ₹860.00 |
| ARUNA M | Insider | 11 Mar 2026 | buy | +1.5 K | ₹13.8 L | ₹920.09 |
| ARUNA M | Insider | 11 Mar 2026 | buy | +1.5 K | ₹13.8 L | ₹920.09 |
Indian Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Indian Bank has declared, sequenced by announce and record date.
Indian Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Indian Bank: business, sector, key facts.
What Indian Bank does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Indian Bank operates in the Financial Services, listed as NSE: INDIANB, BSE: 532814.
Indian Bank is a major financial institution offering a comprehensive suite of banking products and services catering to a diverse clientele, ranging from individuals to corporations. Its core business revolves around deposit accounts, encompassing savings, current, term deposits, and accounts specifically designed for Non-Resident Indians (NRIs). This robust deposit base forms the foundation for its lending activities.
A significant portion of Indian Bank's operations centers on lending. The bank provides a wide spectrum of loan products tailored to various needs. These include agricultural loans, loans targeting Micro, Small, and Medium Enterprises (MSMEs), corporate loans, and a broad range of retail loans covering home, mortgage, vehicle, personal, educational, and jewelry financing. Specialized lending options such as supply chain finance and expedited "59-minute loans" are also offered. Furthermore, the bank facilitates loans secured against existing deposits, or government bonds (NSC/KVP/relief bonds) and insurance policies (RBI/LIC).
Beyond traditional banking, Indian Bank has actively embraced digital technologies, offering a comprehensive range of digital banking products and services. This includes its online banking platform, IndOASIS, along with internet and SMS banking capabilities. The bank also provides debit and credit cards, national common mobility cards, and facilitates access to investment products like mutual funds, Initial Public Offerings (IPOs), and demat and trading services. Point-of-sale systems and online collection products further enhance its digital offerings, demonstrating a commitment to modernizing banking transactions.
The bank's extensive network supports its wide-ranging operations. It maintains a substantial branch network across India and internationally, complemented by a network of ATMs and Business Correspondent Agents (BCAs) to ensure accessibility for its customers. Established in 1907 and headquartered in Chennai, India, Indian Bank's long history and broad reach solidify its position as a prominent player in the Indian banking sector.
Questions investors ask about Indian Bank (INDIANB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Indian Bank (INDIANB)?
The current share price of Indian Bank (INDIANB) is ₹876.35. Today, the stock has gained by ₹23.05 (2.70%), trading in a range of ₹853.45 to ₹878.25. The stock opened at ₹858 with a trading volume of 21,38,011 shares.
02Is Indian Bank stock a good investment for long-term?
Indian Bank can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,17,980.58 crores, P/E ratio of 10.09, ROE of 15.44%, and ROCE of 6.38%. The dividend yield stands at 2.14%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Indian Bank stock?
The 52-week high price of Indian Bank (INDIANB) is ₹1,000.9, while the 52-week low is ₹606. Currently trading at ₹876.35, the stock is 68.5% away from its 52-week low and 12.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Indian Bank stock at the current price?
Whether to buy Indian Bank stock at ₹876.35 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.09 and P/B ratio of 1.47. Today's performance shows a gain of 2.70%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Indian Bank and when is the next dividend?
Indian Bank offers a dividend yield of 2.14%, which means for every ₹100 invested at the current price of ₹876.35, you can expect to receive approximately ₹2.14 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Indian Bank?
Indian Bank's key financial metrics include: P/E Ratio: 10.09, P/B Ratio: 1.47, ROE: 15.44%, ROCE: 6.38%, Dividend Yield: 2.14%, EPS: ₹86.87, Book Value: ₹594.32, and Debt-to-Equity: 0.00. The company's market cap stands at ₹1,17,980.58 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Indian Bank stock performing today in the market?
Indian Bank stock opened at ₹858 and is currently trading at ₹876.35, showing a gain of ₹23.05 (2.70%). The intraday high is ₹878.25 and low is ₹853.45. The trading volume stands at 21,38,011 shares, indicating strong market participation today.
08What is the P/E ratio of Indian Bank and what does it indicate?
Indian Bank has a Price-to-Earnings (P/E) ratio of 10.09, which means investors are willing to pay ₹10.09 for every ₹1 of earnings. With an EPS of ₹86.87, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Indian Bank (INDIANB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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