ScoreWhy is Indian Bank ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 83.20%
2
Strong Long Term Fundamental Strength with a 67.20% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 26.37% and Net profit at 67.20%
4
The company has declared Positive results for the last 11 consecutive quarters
- GROSS NPA(Q) Lowest at 3.26%
- NII(Q) Highest at Rs 6,414.72 cr
- INTEREST EARNED(Q) Highest at Rs 15,759.46 cr
5
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 07-Apr-25 and has generated -1.09% returns since then
- The stocks Bollinger Band and KST technical factors are also Bearish
6
With ROA of 1.3, it has a Very Attractive valuation with a 1.1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 1.24%, its profits have risen by 40.6% ; the PEG ratio of the company is 0.2
7
High Institutional Holdings at 22.51%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Indian Bank should be less than 10%
- Overall Portfolio exposure to Public Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Indian Bank for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Indian Bank
1.4%
0.03
36.81%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
26.37%
Net Profit Growth (5y)
67.20%
Advance to Deposit
69.97%
Capital Adequacy Ratio (Tier 1)
12.49%
Gross NPA (latest)
3.26%
Gross NPA (avg)
6.49%
Coverage Ratio (avg)
83.20%
Cost to Income (avg)
45.76%
Net Interest Margin (avg)
3.41%
Operating Profit to Assets (avg)
4.44%
ROA (avg)
0.65%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
1.11
PEG Ratio
0.17
Dividend Yield
2.28%
ROE (Latest)
15.93%
ROA (Latest)
1.32%
Net NPA to Book Value
1.76
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
GROSS NPA(Q)
Lowest at 3.26%
NII(Q)
Highest at Rs 6,414.72 cr
INTEREST EARNED(Q)
Highest at Rs 15,759.46 cr
NET NPA(Q)
Lowest at 0.21 %
PBDIT(Q)
Highest at Rs 2,596.85 cr.
PBT LESS OI(Q)
Highest at Rs 1,537.72 cr.
PAT(Q)
At Rs 2,852.36 cr has Grown at 20.4 %
EPS(Q)
Highest at Rs 21.18
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 58.33 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Indian Bank
Gross NPA - Quarterly
Lowest at 3.26% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 6,414.72 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 15,759.46 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,537.72 cr has Grown at 46.9 %
over average PBT of the previous four quarters of Rs 1,046.45 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 2,852.36 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.21 % and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,596.85 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,537.72 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 2,852.36 cr has Grown at 20.4 %
over average PAT of the previous four quarters of Rs 2,369.05 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 21.18
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Indian Bank
Non Operating Income - Quarterly
is 58.33 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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