Indian Bank
Public Sector · NSE INDIANB · Market cap ₹1,17,139
Latest FY FY2026
Loan growth
14.7%
Deposit growth
12.3%
NIM
3.4%
70th pctile
ROA
1.3%
ROE
15.5%
Gross NPA
1.9%
23th pctile
P/B
1.56x
90th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 14.7% | 17.7% | -3.0pp | — |
| Deposit growth | 12.3% | 13.4% | -1.1pp | — |
| CASA | 39.7% | 32.7% | +7.0pp | 73th |
| NIM | 3.4% | 3.6% | -0.2pp | 70th |
| ROA | 1.3% | 1.1% | +0.2pp | — |
| ROE | 15.5% | 12.4% | +3.1pp | — |
| Gross NPA | 1.9% | 1.9% | 0.0pp | 23th |
| Credit cost | 1.3% | 1.3% | -0.0pp | — |
| Cost/income | 44.8% | 55.1% | -10.3pp | — |
| CRAR | 17.6% | 18.9% | -1.3pp | — |
| P/B | 1.56x | 1.07x | +0.5pp | 90th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 17.58 — 90th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Gross NPA -38.2% YoY to 1.86 · abs(yoy)>=15%
- ▼Capital to Risks Assets Ratio (CRAR) decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations