Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
26,365.01
25,046.85
22,385.15
18,398.03
17,014.30
17,852.21
17,633.41
Income On Investments
7,609.73
7,600.22
6,964.05
6,472.45
6,997.12
7,573.49
7,389.53
Interest On Balances With Rbi Other Inter Bank Funds
985.15
686.39
851.49
1,146.06
845.34
480.82
365.52
Interest / Discount On Advances / Bills
17,690.60
16,492.77
14,403.14
10,451.84
8,553.09
9,411.61
9,268.35
Others
79.53
267.47
166.47
327.68
618.75
386.29
610.01
Other Income
5,217.94
4,041.03
3,349.62
2,660.12
2,336.23
2,182.33
2,842.15
Total Income
31,582.95
29,087.88
25,734.77
21,058.15
19,350.53
20,034.54
20,475.56
Interest Expended
16,196.53
14,548.52
13,029.68
10,223.97
9,943.62
11,123.55
11,930.37
Net Interest Income
10,168.48
10,498.33
9,355.47
8,174.06
7,070.68
6,728.66
5,703.04
Total Expenditure (Excl Depreciation)
9,004.32
8,418.01
7,405.76
6,058.18
5,477.25
5,051.54
4,718.28
Employee Cost
5,782.09
5,333.32
4,590.05
3,852.88
3,544.86
3,243.19
2,775.63
Other Operating Expenses
3,222.23
3,084.69
2,815.71
2,205.30
1,932.39
1,808.35
1,942.65
Operating Profit Before Provisions and Contingencies
6,382.10
6,121.35
5,299.33
4,776.00
3,929.66
3,859.45
3,826.91
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,539.54
2,345.55
2,602.21
3,033.81
2,419.16
2,740.24
3,075.31
Profit Before Tax
4,842.56
3,775.80
2,697.12
1,742.19
1,318.50
1,119.21
751.60
Tax
1,198.39
1,024.09
955.40
731.02
583.98
657.58
343.88
Profit After Tax
3,644.17
2,751.71
1,741.72
1,011.17
734.52
461.63
407.72
Extraordinary Items
0.00
0.00
0.00
0.00
-148.74
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
3,644.17
2,751.71
1,741.72
1,011.17
883.26
461.63
407.72
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
65.85%
66.39%
66.92%
67.07%
67.81%
71.7%
73.24%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
13.82%
10.99%
7.78%
5.5%
4.32%
2.59%
2.31%
Net Interest Margin
2.96%
3.45%
3.28%
3.85%
3.77%
2.97%
2.92%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
47.13%
49.18%
48.98%
51.22%
50.01%
48.11%
45.49%
CASA Amount
2,11,773.00
1,95,107.00
1,84,542.00
1,76,081.00
1,68,557.00
1,55,306.00
1,40,313.00
Capital Adequacy Ratio (Total)
16.13%
16.43%
14.74%
13.76%
13.99%
12.39%
12.83%
Capital Adequacy Ratio (Tier 1)
13.87%
14.21%
12.17%
11.92%
11.95%
10.32%
10.64%
Provision Coverage Ratio (%)
96.69%
96.54%
93.73%
91.72%
85.77%
84.19%
73.73%
Amount of Gross NPAs
8,726.00
10,459.89
10,786.49
18,489.97
27,608.37
29,486.07
33,258.59
Amount of Net NPAs
1,413.66
1,554.98
2,955.57
4,060.92
7,084.99
7,514.65
13,568.05
% of Net NPAs
0.45%
0.59%
1.27%
2.09%
4.39%
4.73%
9.26%
% of Gross NPAs
2.7%
3.86%
4.5%
8.85%
15.16%
16.3%
19.99%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
4111.0
4085.0
4083.0
3264.0
3315.0
3589.0
3628.0
Number of Branches
4567.0
4541.0
4494.0
4493.0
4528.0
6383.0
4662.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 5.26% vs 11.89% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is 32.43% vs 57.99% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is 4.26% vs 15.51% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is -0.14% vs -0.68% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -1.16% vs -0.64% in Dec 2024
Compare Nine Monthly Results Of Central Bank With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
26,365.01
19,625.02
6,739.99
34.34%
Income On Investments
7,609.73
4,832.64
2,777.09
57.47%
Interest On Balances With Rbi Other Inter Bank Funds
985.15
883.18
101.97
11.55%
Interest / Discount On Advances / Bills
17,690.60
13,834.79
3,855.81
27.87%
Others
79.53
74.41
5.12
6.88%
Other Income
5,217.94
2,750.74
2,467.20
89.69%
Total Income
31,582.95
22,375.76
9,207.19
41.15%
Interest Expended
16,196.53
12,042.95
4,153.58
34.49%
Net Interest Income
10,168.48
7,582.07
2,586.41
34.11%
Total Expenditure (Excl Depreciation)
9,004.32
5,477.11
3,527.21
64.4%
Employee Cost
5,782.09
3,673.39
2,108.70
57.4%
Other Operating Expenses
3,222.23
1,803.72
1,418.51
78.64%
Operating Profit Before Provisions and Contingencies
6,382.10
4,855.70
1,526.40
31.44%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,539.54
1,729.32
-189.78
-10.97%
Profit Before Tax
4,842.56
3,126.38
1,716.18
54.89%
Tax
1,198.39
1,159.67
38.72
3.34%
Profit After Tax
3,644.17
1,966.71
1,677.46
85.29%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
3,644.17
1,966.71
1,677.46
85.29%
Face Value
10.00
10.00
0.00
Reserves
0.00
15,418.44
-15,418.44
-100.0%
PAT Margin
13.82%
10.02%
0.00
3.80%
Net Interest Margin
2.96%
3.08%
-0.12
-0.12%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
47.13%
38.41%
8.72
8.72%
CASA Amount
2,11,773.00
1,12,083.00
99,690.00
88.94%
Capital Adequacy Ratio (Total)
16.13%
17.43%
-1.30
-1.30%
Capital Adequacy Ratio (Tier 1)
13.87%
15.41%
-1.54
-1.54%
Provision Coverage Ratio (%)
96.69%
97.32%
-0.63
-0.63%
Amount of Gross NPAs
8,726.00
5,867.25
2,858.75
48.72%
Amount of Net NPAs
1,413.66
852.55
561.11
65.82%
% of Net NPAs
0.45%
0.36%
0.09
0.09%
% of Gross NPAs
2.70%
2.41%
0.29
0.29%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
4,111.00
2,613.00
1,498.00
57.33%
Number of Branches
4,567.00
3,327.00
1,240.00
37.27%
Nine Monthly - Interest Earned
Interest Earned 26365.01 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 5.26% vs 11.89% in Dec 2024
Nine Monthly - Net Profit
Net Profit 3,644.17 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 32.43% vs 57.99% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 6,382.10 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 4.26% vs 15.51% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.45%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.14% vs -0.68% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.70%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -1.16% vs -0.64% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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