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These terms and conditions ("WhatsApp Terms and Conditions" as amended from time to time) are applicable to the Customers (defined hereinafter) that avail the Services (defined hereinafter) provided thereon by ICICI Securities Limited ("ICICI Securities") on the WhatsApp platform.

The WhatsApp Terms and Conditions shall be in addition to any other terms and conditions as stipulated by the ICICI Securities from time to time on its website (www.icicidirect.com) whether pertaining to the account or in relation to other products, services or facilities provided by ICICI Securities.

Any services that may be offered to the customer through the WhatsApp platform ("WhatsApp") is at the discretion of the ICICI Securities and/or basis the eligibility criteria of a customer and such services are subject to certain terms and conditions. In case of conflict between any of these WhatsApp Terms and Conditions and the terms and conditions for other services provided on the WhatsApp channel, specific terms and conditions of such services shall prevail.

Further, in case of inconsistency between the WhatsApp Terms and Conditions and any specific terms and conditions pertaining to account or any specific service/product/offer, the specific terms and conditions of that particular service/product/offer shall prevail.

1. DEFINITIONS

"Trading Account" refers to the trading account maintained by the Customer with ICICI Securities.

"Trading Account Related Services" shall mean the Services which pertain to information in relation to the Trading Account maintained with ICICI Securities by customer including but not limited to portfolio valuation, stock quote, order details, trade details etc which are enabled by ICICI Securities, from time to time, at its sole discretion.

"Registered ICICI Securities Number" is the authorized number of ICICI Securities, registered with WhatsApp for the purposes of providing Services herein.

"Customer" shall mean any person holding Trading Account or any prospective customer with ICICI Securities and interacting with ICICI Securities on WhatsApp using the Registered ICICI Securities Number / using the Services provided by ICICI Securities through WhatsApp. "Customer Information" refers to the personal data or information or such other data or information including any sensitive personal data in relation to the Customer such as information in relation to the trading account of the Customer, shared by the Customer or provided to the Customer by ICICI Securities or collected or obtained from the Customer or from WhatsApp or from any such source in the course of the Customer availing the Services hereunder.

"One Way Communication" shall mean the service provided by ICICI Securities to the Customer on WhatsApp where ICICI Securities sends its Customer one-way messages through its Registered ICICI Securities Number in the nature of information, alerts, updates, transaction alerts in relation to the Customer's Trading Account and such other communications as ICICI Securities may enable from time to time, at its discretion.

"Privacy Policy/Privacy Commitment" shall have the meaning as ascribed on the Website; "Service(s)" shall mean the One Way Communication and Two Way Communication services provided by ICICI Securities by itself or through any of its service providers, to a Customer on WhatsApp.

"Two Way Communication" shall mean the service provided by ICICI Securities to the Customers on WhatsApp where the Customer can communicate with ICICI Securities by sending it messages in the form of making requests, seeking information, asking queries etc. on the Registered ICICI Securities Number and where ICICI Securities responds to such messages. However, this service and ICICI Securities responses shall be limited only to such queries, information, requests etc. as may be determined by ICICI Securities from time to time, at its sole discretion.

"WhatsApp" is the application provided by WhatsApp Inc. 1601 Willow Road, Menlo Park, California 94025.

2. INTERPRETATION

All references to singular include plural and vice versa and the word "includes" should be construed as "without limitation".
Words importing any gender include the other gender. 'We/us' refers to ICICI Securities and 'You/yours' refer to the customer using the WhatsApp facility.
Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations,amendments, re-enactments or replacements for the time being in force.
All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms and Conditions.
Reference to any law or legislation, regulation, rule shall mean, applicable, constitution, statute, law, rule, regulation, ordinance, judgment, order, decree, authorisation, or any published directive, guideline, notice, requirement or governmental restriction, having the force of law in any jurisdiction and include laws as amended from time to time.

3. PURPOSE

This WhatsApp platform serves as a supplementary medium through which we can communicate with you and provide Services and further enable certain services as ICICI Securities may decide in its sole discretion.

4. ELIGIBILITY FOR USING THE SERVICES

The Customer hereby agrees and undertakes that he/she shall use the Services only if he/she fulfills the eligibility as given below:

The Customer is an individual and is a major;
The Customer is a Guardian of a minor;
The Customer is of sound mind, solvent and competent to contract;
The Customer is a resident of India and is present in the territory of India at the time of utilization of the Services;
The Customer is a non-resident India (NRI) or is residing outside India.
The Customer is Principal Authorised Signatory of the Non Individual Account.

5. APPLICABILITY OF WHATSAPP TERMS AND CONDITIONS

These WhatsApp Terms and Conditions form a contract between the Customer and ICICI Securities. The Customer shall apply to ICICI Securities in the prescribed manner for availing of the Services. By applying and opting in for the Services, the Customer acknowledges that he has read, understood and accepted these WhatsApp Terms and Conditions and other specific terms and conditions as pertaining to the Account and any other products/offers/facilities and services availed by the Customer whether or not through WhatsApp.

No act, delay or omission by ICICI Securities shall affect its rights, powers and remedies under these Terms and Conditions and other terms on ICICI Securities website (www.icicidirect.com), hereinafter referred to as "Website".

The Customer hereby accepts and agrees that all Services and communications (both One Way Communication and Two Way Communication) taking place on WhatsApp, initiated either by ICICI Securities or the Customer, will be governed by and subject to these WhatsApp Terms and Conditions. Further, the Customer hereby agrees that the Customer grants express authority to ICICI Securities for carrying out the Services requested by the Customer on WhatsApp on its Registered ICICI Securities Number. Provided however that ICICI Securities shall not be required to authenticate the Customer, if any request for the Services comes on WhatsApp to ICICI Securities Registered Number, and in case of a Customer, if the number reflected in the requestor's mobile is a Customer's Registered Number, ICICI Securities shall be entitled to presume that it is the Customer itself which is interacting through WhatsApp and in case of any other Customer ICICI Securities shall be entitled to presume that the number reflected in the WhatsApp profile is the Customer's number and it is the Customer itself and not any other person who is interacting with ICICI Securities Registered Number. ICICI Securities's own record or log of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

6. SERVICES

The Customer agrees and accepts that ICICI Securities reserves the right to provide only such Services as ICICI Securities may at its discretion permit from time to time. ICICI Securities may also inform/update the availability/non-availability of any particular Service, at its sole discretion. The Customer hereby agrees that ICICI Securities may at any time, without notice to the Customer, modify, discontinue or make additions/deletions to the Services offered to the Customer. The Customer agrees that he shall not hold ICICI Securities responsible for not responding to the queries of/ information sought by the Customer or not providing a response to the satisfaction of the Customer or not processing any request of the Customer, in case such a message sent by the Customer in case ICICI Securities does not receive an instruction to this effect in its systems or the message sent by the Customer is not in the format as required by ICICI Securities or does not fall under the Services being offered by ICICI Securities at the time or ICICI Securities does not receive such a message for technical reasons or otherwise or for any reason whatsoever. ICICI Securities will have no liability in case of any fraud or impersonation incidents through the WhatsApp platform. Further, in case ICICI Securities permits any Service in the nature of a transaction, the Customer agrees that such a Service shall be subject to statutory/ regulatory limits and/or any limits that may be imposed by ICICI Securities, from time to time, at its sole discretion.

7. REGISTRATION AND VERIFICATION

For availing the One Way Communication and Two Way Communication service, the Customer agrees and confirms to have accepted (a) the WhatsApp Terms and Conditions applicable to the Customer for availing the Services mentioned herein; (b) the Privacy Policy of ICICI Securities applicable to the Customer for availing the Services mentioned herein; (c) any other Account/product/service/offer related specific terms and conditions as applicable and (d) all terms and conditions prescribed by WhatsApp for using its platform.

Provided that, ICICI Securities may modify the process for authentication, registration and/or verification of the Customer, for One Way Communication and/or Two-Way Communication, at any time, at its sole discretion.

8. UNSUBSCRIBE

You may choose/request for de-registration/un-subscription of the Services at any point of time by following the process as may be prescribed by ICICI Securities from time to time. Currently ICICI Securities provides the following channels for un-subscription:

Our Website: Visit the WhatsApp un-subscription section on our Website. Enter your mobile number. Enter the OTP received on your registered mobile number and submit.
Missed Call/ SMS to a specific number as updated on the Website.
Send 'STOP' keyword on the WhatsApp platform.

However, the Customer agrees that for this to come into effect, it may take such time as may be required by ICICI Securities. The Customer agrees that he will remain responsible for any requests made/ messages sent to ICICI Securities using the Services prior to the time such cancellation of the Services is effected by ICICI Securities. ICICI Securities will be at liberty to discontinue/ suspend/ terminate the Customer's use of the Services at any time without assigning any reason whatsoever. ICICI Securities may also discontinue or suspend or terminate Services/ facilities without prior notice if these Terms and Conditions are breached.

Once we have received the notification that you have unsubscribed, we will no longer process your information for the purpose(s) you originally agreed to and sent any further notification/message through WhatsApp, unless legally permissible otherwise.

9. IMPORTANT

The Customer shall apply to ICICI Securities for use of the Services (and/or for any changes to the options available under the Services) in such manner and through such modes as may be specified and made available by ICICI Securities from time to time including but not limited to application through forms as prescribed by ICICI Securities, 24-Hour customer care number, SMS if and when made available as permitted modes by ICICI Securities for use of the Services through the WhatsApp platform.
ICICI Securities in its sole discretion shall decide the devices, software platforms, versions, networks, methods, and data services that will be supported by the WhatsApp platform for providing these Services. Any attempts to modify unsupported versions for use in the WhatsApp platform will be treated an unauthorized use and violation ("Unauthorized Use") of these WhatsApp Terms and Conditions. The Services through the WhatsApp platform shall be suspended with immediate effect if there is Unauthorized Use by the Customer.
The Customer agrees that the Customer shall be responsible for upgrading any software, hardware and the operating system at his/her own cost from time to time so as to be compatible to continue to avail the Services offered by ICICI Securities. ICICI Securities shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc. from time to time and shall be under no obligation to support the software, hardware, operating systems used by the Customer and that the same shall be the Customer's sole responsibility. Some Services may not work on an outdated platform and hence it is Customer's sole responsibility to ensure timely upgradation of the WhatsApp platform.
By subscribing to Services on WhatsApp platform, the Customer agrees to get notifications via WhatsApp including account information, transaction details, and other services/communications. Customer also agrees to receive notifications including offers, new product features, any other important notification sent by ICICI Securities from time to time etc. on the Registered Customer Number via WhatsApp.
The Customer agrees that any Trading Account related Services at the discretion of ICICI Securities shall be provided to the Customers through WhatsApp platform only to a WhatsApp account associated with the Registered Customer Number.
The Customer is aware that it may not be possible for ICICI Securities to give detailed information on the Service/functionalities. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service or with respect to the limited information provided by ICICI Securities on WhatsApp. In case the Customer requires further information, Customer can reach out to ICICI Securities either in the nearest branch, on ICICI Securitiess Customer Care number or through any other channels provided by ICICI Securities.
The responses sent by ICICI Securities on WhatsApp platform (either for One Way Communication and/or Two Way Communication) are based on a program running at back-end. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any answers that the Customer may not find satisfactory or for any inaccuracies arising therefrom, ICICI Securities shall not be held responsible. The Customer may call Customer Care number or email at headservicequality@icicidirect.com or nri@icicidirect.com or visit www.icicidirect.com in case of any clarifications.
The Customer agrees that ICICI Securities and / or its affiliates may hold and process the Customers personal information concerning the account/s on computer or otherwise in connection with the WhatsApp facility. You agree and consent that we may collect, store, use and/or disclose your personal data for the Services as detailed on our Website. The Customer also agrees ICICI Securities may disclose, in strict confidence, to other institutions, its service providers, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive and for fraud prevention. The Customer using the WhatsApp facility authorizes ICICI Securities to collect and use technical information about the equipment and related software, hardware and peripherals and any data and information stored in the equipment, whether internet-based or wireless, to improve ICICI Securities products and to provide services to the Customer.
All records of ICICI Securities generated by the transactions arising out of use of the Services through the WhatsApp platform, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.
Where ICICI Securities considers the instructions to be inconsistent or contradictory with any past instructions or any simultaneous instructions provided by Customer to ICICI Securities through other channels provided by ICICI Securities it may seek clarification from the Customer before acting on any instruction of the Customer or act upon any such instruction as it may deem fit. ICICI Securities shall have the right to suspend the Services if ICICI Securities has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the customer.
The Customer accepts that all information /instructions will be transmitted to and /or stored at various locations and be accessed by personnel of ICICI Securities (and its affiliates) or its service providers.
On the Customer opting in for the Services through the WhatsApp platform, ICICI Securities has the discretion to stop sending these alerts on SMS or any other channel.
The Customer is responsible for keeping security safeguard of his WhatsApp account linked to the mobile number.
The Customer understands that using WhatsApp application may carry extra risks and may not be secured. Further any message and information exchanged is subject to the risk of being read, interrupted, intercepted, or defrauded by third party or otherwise subject to manipulation by third party or may involve delay in transmission. ICICI Securities shall not be responsible or liable to the customer or any third party for the consequences arising out of or in connection with using of this Service.
The Customer understands that mobile phones are vulnerable to the threats such as but not limited to -
- Access by intruders to the data /information
- Identity theft
- Privacy violations
- Planting of stealth software and viruses
- Disablement or distortion of operations
- Interception of the transmission of encrypted data/message etc.
- The Customer shall immediately notify ICICI Securities in writing if Customer discovers/ suspects unauthorized access.

ICICI Securities shall not be responsible or liable to the Customer or any third party for the consequences arising out of or in connection with using of this Service. The Customer should immediately opt-out of the Services as per the unsubscribe process as detailed in section 8 above.

The Customer is aware that using mobile applications involves many uncertain factors and complex software, hardware, systems, etc. which are susceptible to interruptions and dislocations. ICICI Securities does not make any representation or warranty that the WhatsApp facility/service will be available at all times without any interruption and further that ICICI Securities shall not be responsible for any variation, reduction or imposition of the terms or the customers inability to use the mobile application.
The Customer is aware that authenticated technologies and strict security measures are required for using mobile applications. Customer undertakes to ensure that the password is not revealed to any third party including ICICI Securities officials or any unauthorized person. Customer shall be solely responsible for all the communication exchanged between customer and ICICI Securities while logging into this service.
Under no circumstances shall ICICI Securities, or its officials, employees, be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, this service or for receipt of any answer provided by ICICI Securities program running at the back-end.
The Customer agrees that the Customer shall not have any claim against ICICI Securities on account of any suspension, interruption, non-availability or malfunctioning of the WhatsApp service due to any link/mobile/system failure at ICICI Securities end for any reason thereof.
The Customer shall not reproduce, copy, or redistribute for commercial purposes any materials or design elements of this WhatsApp service.
The Customer shall ensure appropriate data network connection. Receipt of messages by Customer shall be subject to the data network connection and ICICI Securities shall not be held responsible for any delay or non-receipt of the responses at WhatsApp channel.
The Customer shall not submit or transmit any content through this WhatsApp channel that is:
- Obscene, Vulgar, or Pornographic, immoral, illegal, illicit, unethical etc.
- Encourages the commission of a crime or violation of any law.
- Violates any law in India and/or the jurisdiction in which customer resides.
- Infringes the intellectual or copyrights of ICICI Securities or a third party.
- Constitute confidential information and/or personal or sensitive information/data belonging to the Customer or any third person.
ICICI Securities reserves the right to remove or otherwise delete any content or submissions made by the Customer that violates the rules or which are inappropriate, as per ICICI Securities's sole discretion, without any liability or giving warning to the Customer.
All instructions for availing the services under the WhatsApp facility shall be provided through the Registered Customer Number in the manner indicated by ICICI Securities. The Customer is also responsible for the accuracy and authenticity of the instructions provided to ICICI Securities and the same shall be considered to be sufficient for availing of the services under the WhatsApp facility. The alerts would be sent on the mobile phone number, last registered with ICICI Securities.
The Customer agrees that if he/she notices any error in any information supplied to the Customer by the use of any of the Services, the Customer shall inform ICICI Securities of the same, as soon as possible. ICICI Securities will endeavor to correct the error promptly. The Customer agrees that all outputs of statements that may appear on WhatsApp, upon making a request to that effect, are information extracted from a computerized back up system maintained by ICICI Securities and may not be continuously be updated in real time. ICICI Securities shall provide the information as may be last updated on the systems of ICICI Securities. While ICICI Securities will take all reasonable steps to ensure the accuracy of the statement, ICICI Securities is not liable for any error and shall not hold ICICI Securities responsible for any loss incurred or action taken by the Customer by relying on such information.
The Customer agrees that the responses received by the Customer from ICICI Securities are based on program running at backend. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any inappropriate/inaccurate answers or any answers that the Customers may not find satisfactory, ICICI Securities shall not be held responsible.
It is recommended for Customers who have subscribed to this WhatsApp service to delete WhatsApp application when changing their device so as to ensure there is no misuse of the same.
That all the Services provided to the Customer are subject to applicable law and the rules, regulations, notifications, circulars and guidelines introduced or amended from time to time by Securities & Exchange Board of India and/or any regulatory/ statutory/ governmental authority.
ICICI Securities has the right to retract the Customer's right to utilize the Service anytime it deems fit without any notice to the Customer.
The Customer hereby acknowledges that he is availing the Service(s) at his own risk and the Customer shall not hold ICICI Securities responsible or liable for any of the risks including but not limited to the following:
- Password misuse- The Customer acknowledges that if any third person obtains access to the Customer's device or SIM card or the Customer's WhatsApp, such third party may be in a position to access Customer information including Trading Account related information of the Customer, which may be confidential in nature.
- Mistake/Error- the Customer acknowledges that the Customer may be sent responses or shown information which may not be applicable to him/her or may not be sent a satisfactory response, and the Customer agrees that in such a scenario ICICI Securities shall not be liable for any loss to the Customer in this regard. The Customer shall therefore take all care to ensure that there are no mistakes and errors and that the message sent/ request made/ query asked by the Customer to ICICI Securities in this regard is error free, accurate, proper and complete at all points of time. The Customer agrees that ICICI Securities is providing the Services at the Customer's sole risk. The Customer agrees that ICICI Securities shall not be liable for any loss, damages or consequences whatsoever arising due to any erroneous or incomplete information or any delay in executing the instructions for reasons beyond the control of ICICI Securities. The Customer shall be liable and responsible to ICICI Securities and accede to accept ICICI Securities's instructions without questions for any unfair or unjust gain obtained by him in the course of availing of the Services.
- It may also be possible that the site of ICICI Securities may require maintenance or is otherwise down or there is a technical failure and during such time it may not be possible to process the request of the Customers. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability. The Customer understands that ICICI Securities disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by ICICI Securities to honour any Customer instruction for whatsoever reason. The Customer unequivocally and unconditionally understands and accepts that ICICI Securities shall not be responsible for any of the aforesaid risks. The Customer also accepts that ICICI Securities shall disclaim all liability in respect of the said risks.
The Customer agrees that the Registered ICICI Securities Number on the WhatsApp platform cannot be used for grievance redressal or reporting fraud as of now, ICICI Securities will have no liability on reporting of such incidents received through WhatsApp. The Customer may call Customer Care number or email at headservicequality@icicisecurities.com or visit www.icicidirect.com in case of any clarifications.
These WhatsApp Terms and Conditions may be withdrawn, superseded or modified at any time whatsoever, by ICICI Securities without any prior notice.

10. THIRD PARTY

WhatsApp is owned by a third-party unaffiliated with ICICI Securities. The Customer shall independently be guided by the privacy policies of WhatsApp and the third parties or group companies of WhatsApp and ICICI Securities has no control over them. ICICI Securities is not responsible for the privacy or security policies at these sites or other third-party sites that may be linked to within ICICI Securities's social media channels. The Customer should always review the privacy and security practices and policies of each third-party site you visit. ICICI Securities does not endorse and is not responsible for any ads, content, products, advice, opinions, recommendations or other material of third-party sites that may be promoted via advertising within any social media channels.

The Customer further understands and agree that WhatsApp or any other service provider through which we are providing the WhatsApp facility can review and monitor, store the contents shared/communicated through the WhatsApp or other service provider(s) and may share the same with third parties.

Hence, we strongly recommend that you:

Never share privacy-sensitive details via WhatsApp messages/ through the WhatsApp facility.
That we will not send messages of our own accord this way and will only respond to the messages sent to us except for any important communication and awareness messages.
Not to contact us through the WhatsApp channel for complaints, grievances or similar important matters.

11. DISCLAIMER OF LIABILITY

ICICI Securities shall not be responsible for any failure on the part of the Customer to utilize the WhatsApp facility due to the Customer not being within the geographical range within which the WhatsApp facility is offered and which forms part of the roaming network of such cellular service provider, providing services to the Customer availing such roaming facility from the respective cellular service provider. If the customer has reason to believe that the mobile phone number is / has been allotted to another person and / or there has been an unauthorized transaction in the account and / or his mobile phone handset is lost, he shall immediately inform ICICI Securities of the same.

The Customer agrees that ICICI Securities shall not be liable if:

the Customer has breached any of the terms and conditions, contained herein or
the Customer has contributed to or the loss is a result of failure on part of the Customer to advise ICICI Securities within a reasonable time about unauthorized access of or erroneous transactions by use of the Services; or
as a result of failure on part of the Customer to advise ICICI Securities of a change in or termination of the Customer's mobile phone numbers/SIM ("Subscriber Identity Module") cards.
there has been an unauthorized transaction/instruction provided through the WhatsApp channel as a result of any person having control or custody of telecommunications instrument (such as the mobile handset) so that such instrument may be used to give telecommunications instruction without authorization or any other issue/default/error/technological problem in the telecommunication instrument (such as the mobile handset) or duplication of mobile number / SIM of the Customer such as but not limited to SIM card cloning, virus in handset etc.

ICICI Securities shall endeavor to provide the WhatsApp facility on a best effort basis and the Customer shall not hold ICICI Securities liable for non-availability of the WhatsApp facility or non-performance by service providers, if any, engaged by ICICI Securities or any loss or damage caused to the Customer as a result of use of the WhatsApp facility for causes which are not attributable to ICICI Securities. ICICI Securities shall not be liable in any manner to the Customer in connection with the use of the WhatsApp facility.

ICICI Securities shall endeavor to carry out the instructions received from the Customer through the WhatsApp channel promptly, provided that ICICI Securities, shall not be responsible for the delay in carrying out such instructions due to any reason whatsoever, including, but not limited to, failure of operational system or any requirement of law or ICICI Securities's internal policies.

The Customer accepts that each WhatsApp communication may contain certain account information relating to the Customer. The Customer authorizes ICICI Securities to send account related information, though not specifically requested, if ICICI Securities deems that the same is relevant.

ICICI Securities shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the WhatsApp facility. The Customer agrees that the access to the WhatsApp facility shall be only through the Registered Customer Number and any transaction which originates from the same, whether initiated by the Customer or not, shall be deemed to have originated from the Customer.

Under no circumstance, ICICI Securities shall be held liable if the WhatsApp facility is not available for reasons including but not limited to natural calamities, epidemic/pandemic, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Securities. ICICI Securities shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the WhatsApp facility shall render the customer liable for payment of financial charges as decided by ICICI Securities or will result in suspension of the WhatsApp facility for the Customer.

ICICI Securities is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by ICICI Securities in that behalf or otherwise) to the Customer, which may affect the WhatsApp facility.

ICICI Securities, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the WhatsApp facility. ICICI Securities makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the WhatsApp facility.

Without limitation to the other provisions of these WhatsApp Terms and Conditions, ICICI Securities, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of ICICI Securities in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any cellular service provider and ICICI Securities's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, ICICI Securities's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the WhatsApp.

Notwithstanding anything in the contrary provided in this terms and conditions, ICICI Securities shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular service provider or any third party service provider or WhatsApp (whether appointed by ICICI Securities for such purpose or otherwise) while availing these Services through the WhatsApp platform.

The Customer shall not interfere with or misuse in any manner whatsoever the WhatsApp facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages to ICICI Securities or for any losses suffered by ICICI Securities.

The Customer is solely responsible for protecting his/her OTP/debit card PIN/ password or mobile phone number and any other password and/or any other mode of verification as prescribed/ issued by ICICI Securities for the use of the WhatsApp facility from time to time without any liability of ICICI Securities in this regard. The Customer hereby agrees and accepts that he/she shall at all times be solely responsible for the protection and safe keep of his/her SIM card, Device and the applications installed thereon, specifically WhatsApp, login IDs, Customer Information, security details and passwords as mentioned hereinabove and hereby fully agrees that ICICI Securities shall in no manner be liable for any direct or indirect or consequential or other loss arising out of any action or omission because of compromise of the same in any manner whatsoever.

The Customer agrees that ICICI Securities assumes no liability whatsoever in case of any event of such compromise of the Customer's WhatsApp and ICICI Securities shall not be held responsible for any such event. Further, the Customer agrees and understands that WhatsApp can also be logged on from more than one device at the same time, including by using web log in and the Customer is aware of the risk in this regard while availing the Services such as compromise of Customer Information, breach of security of the Customer's WhatsApp account from a device other than the Customers and the Customer undertakes to be vigilant and careful and takes full responsibility for the security of his/her WhatsApp account. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service.

ICICI Securities will not be liable for:

any unauthorized use of the customer's password or mobile phone number or for any fraudulent, duplicate or erroneous instructions given on the WhatsApp channel;
acting in good faith on any instructions received by ICICI Securities from or on behalf of the Customer in relation to the WhatsApp facility;
error, default, delay or inability of ICICI Securities to act on all or any of the instructions given by the Customer due to any reason;
loss of any information/instructions in transmission;
unauthorized access by any other person to any information /instructions given by the Customer or breach of confidentiality;

ICICI Securities makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider or by WhatsApp or any other service provider enabling ICICI Securities to deliver services through WhatsApp to the Customers.

ICICI Securities may provide any other services as a part of the WhatsApp facility and ICICI Securities shall not be liable for the oversight on part of the Customer to update himself /herself with the addition of services which have been included in the WhatsApp facility.

12. INDEMNITY

In consideration of ICICI Securities providing the WhatsApp facility, the Customer, at his own expense, agrees to indemnify, defend and hold harmless, ICICI Securities, its directors and employees, representatives, agents, customers and/or the affiliates, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that ICICI Securities may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the Customer or otherwise for use of the WhatsApp facility.

The Customer further specifically agrees to indemnify, defend and hold harmless, ICICI Securities and/or its affiliates from any losses occurring as a result of the:

the Customer permitting any third parties to use the WhatsApp facility.
the Customer permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone and ICICI Securities acting/not acting on any instructions received from the same.
the Customer having breached the WhatsApp Terms and Conditions.

13. TERMINATION

ICICI Securities may, at its discretion, withdraw temporarily or terminate the WhatsApp facility, either wholly or in part, at any time without giving prior notice to the Customer. ICICI Securities may, without prior notice, suspend the WhatsApp facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the WhatsApp facility.

ICICI Securities may suspend or terminate WhatsApp facility without prior notice if the Customer has breached these WhatsApp Terms and Conditions or ICICI Securities learns of the death, bankruptcy.

14. PROPRIETARY RIGHTS

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Indian Bank 16 Oct 2025 15:30 PM

Result PDF

Indian Bank announced Q2FY26 results

Net Profit up by 11.49% YoY at Rs 3,018 crore in Sep'25 from Rs 2,707 crore in Sep'24.
Operating Profit improved by 2.31% YoY to Rs 4,837 crore in Sep'25 from Rs 4,728 crore in Sep'24.
Net Interest Income increased by 5.76% YoY to Rs 6,551 crore in Sep’25 from Rs 6,194 crore in Sep'24.
Return on Assets (RoA) stood at 1.32%, Return on Equity (RoE) at 19.58 % in Sep'25.
Yield on Advances(YoA) stood at 8.40% in Sep'25.
Cost of Deposit improved by 12 bps to 5.01% in Sep'25 from 5.13% in Sep'24.
Gross Advances increased by 12.65% YoY to Rs 6,20,324 crore in Sep'25 from Rs 5,50,644 crore in Sep'24.
RAM (Retail, Agriculture & MSME) advances grew by 15.57% YoY to Rs 3,75,660 crore in Sep’25 from Rs 3,25,050 crore in Sep'24.
RAM contribution to gross domestic advances stood at 65.50%. Retail, Agri & MSME advances grew by 18.58%, 13.98% and 14.10% YoY respectively. Home Loan (including mortgage) grew by 12.68% YoY in Sep'25.
Priority sector advances as a percentage ofANBC stood at 42.51% at Rs 2,06,149 crore in Sep'25 as against the regulatory requirement of 40%.
Total Deposits increased by 12.09% YoY and reached to Rs 7,76,946 crore in Sep’25 as against Rs 6,93,115 crore in Sep'24. Current, Savings & CASA deposits grew by 11.40%, 6.59%, and 7.23% YoY respectively.
Domestic CASA ratio stood at 38.87% as on 30th Sep'25.
CD ratio stood at 79.84% as on 30th Sep'25.
GNPA decreased by 88 bps YoY to 2.60% in Sep'25 from 3.48% in Sep'24, NNPA reduced by 11 bps to 0.16% in Sep’25 from 0.27% in Sep'24.
Provision Coverage Ratio (PCR, including TWO) improved by 68 bps YoY to 98.28% in Sep'25 from 97.60% in Sep'24.
Slippage Ratio contained to 0.79% in Sep'25 in comparison to 1.06% in Sep’24.
Capital Adequacy Ratio stood at 17.31%.CET-1 stood at 14.80% and Tier I Capital at 15.27% in Sep'25.
Earnings Per Share (EPS) increased to Rs 89.63 in Sep‘25 from Rs 80.37 in Sep'24

Result PDF

Q1FY26 Quarterly Result Announced for Indian Bank

Indian Bank announced Q1FY26 results

Net Profit up by 23.69% YoY at Rs 2,973 crore in Jun’25 from Rs 2,403 crore in Jun’24.
Operating Profit improved by 5.97% YoY to Rs 4,770 crore in Jun’25 from Rs 4,502 crore in Jun’24.
Net Interest Income increased by 2.93% YoY to Rs 6,359 crore in Jun’25 from Rs 6,178 crore in Jun’24.
Return on Assets (RoA) up by 14 bps to 1.34% in Jun’25 from 1.20% in Jun’24.
Return on Equity (RoE) increased by 50 bps to 20.26% in Jun’25 from 19.76% in Jun’24.
Yield on Advances (YoA) stood at 8.58% and Yield on Investments (YoI) at 6.96% in Jun’25.
Gross Advances increased by 11.50% YoY to Rs 6,01,147 crore in Jun’25 from Rs 5,39,123 crore in Jun’24.
RAM (Retail, Agriculture & MSME) advances grew by 15.93% YoY to Rs 3,63,221 crore in Jun’25 from Rs 3,13,301 crore in Jun’24.
RAM contribution to gross domestic advances increased to 65.34%. Retail, Agri & MSME advances grew by 16.56%, 16.40% and 14.45% YoY respectively. Home Loan (including mortgage) grew by 10.65% YoY.
Priority sector advances as a percentage of ANBC stood at 44.73% at Rs 2,11,203 crore in Jun’25 as against the regulatory requirement of 40%.
Total Deposits increased by 9.26% YoY and reached to Rs 7,44,289 crore in Jun’25 as against Rs 6,81,183 crore in Jun’24.
Domestic CASA ratio stood at 38.97% as on 30th Jun’25.
CD ratio stood at 80.77% as on 30th Jun’25.
GNPA decreased by 76 bps YoY to 3.01% in Jun’25 from 3.77% in Jun’24, NNPA reduced by 21 bps to 0.18% in Jun’25 from 0.39% in Jun’24.
Provision Coverage Ratio (PCR, including TWO) improved by 154 bps YoY to 98.20% in Jun’25 from 96.66% in Jun’24.
Slippage Ratio contained to 0.94% in Jun’25 in comparison to 1.50% in Jun’24.
Credit Cost improved by 43 bps YoY to 0.28% in Jun’25 from 0.71% in Jun’24.
Capital Adequacy Ratio stood at 17.80%. CET-I at 15.26% and Tier I Capital stood at 15.74% in Jun’25.
Earnings Per Share (EPS) increased by 23.69% to Rs 88.28 in Jun’25 from Rs 71.37 in Jun’24.

Result PDF

Q4FY25 & FY25 Result Announced for Indian Bank

Indian Bank announced Q4FY25 & FY25 results

Q4FY25 Financial Highlights:

Net Profit up by 32% YoY at Rs 2,956 crore in Mar’25 from Rs 2,247 crore in Mar’24.
Operating Profit improved by 17% YoY to Rs 5,019 crore in Mar’25 from Rs 4,305 crore in Mar’24.
Net Interest Income increased by 6% YoY to Rs 6,389 crore in Mar’25 from Rs 6,015 crore in Mar’24.
Return on Assets (RoA) up by 22 bps to 1.37% in Mar’25 from 1.15% in Mar’24.
Return on Equity (RoE) increased by 195 bps to 21.01% in Mar’25 from 19.06% in Mar’24.
Yield on Investments (YoI) increased by 35 bps to 7.23% in Mar’25 from 6.88% in Mar’24.
Cost-to-Income Ratio reduced by 294 bps to 45.05% in Mar’25 from 47.99% in Mar’24.
Yield on Advances (YoA) stood at 8.64% in Mar’25.
Gross Advances increased by 10% YoY to Rs 5,88,140 crore in Mar’25 from Rs 5,33,773 crore in Mar’24.
RAM (Retail, Agriculture & MSME) advances grew by 13% YoY to Rs 3,50,876 crore in Mar’25 from Rs 3,09,918 crore in Mar’24.
RAM contribution to gross domestic advances stood at 64.23%. Retail, Agri & MSME advances grew by 14%, 14% and 12% YoY, respectively. Home Loan (including mortgage) grew by 12% YoY in Mar’25.
Priority sector advances as a percentage of ANBC stood at 44% (Rs 2,04,230 crore)in Mar’25 as against the regulatory requirement of 40%.
Total Deposits increased by 7% YoY and reached to Rs 7,37,154 crore in Mar’25 as against Rs 6,88,000 crore in Mar’24.
Domestic CASA ratio stood at 40.17% as on 31st Mar’25.
CD ratio stood at 79.79% as on 31st Mar’25.
GNPA% decreased by 86 bps YoY to 3.09% in Mar’25 from 3.95% in Mar’24, NNPA% reduced by 24 bps to 0.19% in Mar’25 from 0.43% in Mar’24.
Provision Coverage Ratio (PCR, including TWO) improved by 176 bps YoY to 98.10% in Mar’25 from 96.34% in Mar’24.
Slippage Ratio improved by 2 bps to 1.09% in Mar’25 from 1.11% in Mar’24.
Capital Adequacy Ratio improved by 150 bps to 17.94%. CET-I improved by 184 bps YoY to 15.36%, Tier-I Capital improved by 182 bps YoY to 15.85% in Mar’25.
Earnings Per Share (EPS) increased by 32% to Rs 87.78 in Mar’25 from Rs 66.73 in Mar’24.

FY25 Financial Highlights:

Net Profit up by 35% YoY to Rs 10,918 crore in FY25 from Rs 8,063 crore in FY24.
Operating Profit increased by 13% YoY to Rs 18,998 crore in FY25 from Rs 16,840 crore in FY24.
Net Interest Income grew by 8% YoY to Rs 25,176 crore in FY25 from Rs 23,274 crore in FY24.
Fee based income grew by 7% YoY to Rs 3,528 crore in FY25 from Rs 3,298 crore in FY24.
Net Interest Margin (NIM) Domestic stood at 3.51% in FY25.
Yield on Advances (YoA) up by 3 bps to 8.75% in FY25 from 8.72% in FY24.
Yield on Investment (YoI) improved by 37 bps to 7.17% in FY25 from 6.80% in FY24.
Return on Assets (RoA) improved by 25 bps to 1.32% in FY25 from 1.07% in FY24.
Return on Equity (RoE) increased by 152 bps to 20.76% in FY25 from 19.24% in FY24.
Cost-to-Income Ratio reduced by 115 bps to 44.77% in FY25 from 45.92% in FY24.
Slippage Ratio improved by 38 bps to 1.11% in FY25 from 1.49% in FY24.
Credit Cost decreased by 11 bps to 0.66% in FY25 from 0.77% in FY24.
Network:
- The Bank has 5901 domestic branches (including 3 DBUs), out of which 1992 are Rural, 1555 are Semi-Urban, 1182 are Urban & 1172 are in Metro category. The Bank has 3 overseas branches & 1 IBU (Gift City Branch).
- The Bank has 5268 ATMs & BNAs and 14667 Business Correspondents (BCs).
Digital Banking:
- In FY25, Rs 1,67,390 crore in business was generated through Digital Channels. A total of 121 Digital Journeys, Utilities, and Processes have been launched so far.
- Mobile Banking users have grown by 16% YoY, reaching 1.94 crore in FY25.
- UPI users and Net Banking Users have seen a 25% and 8% YoY increase, respectively, reaching 2.18 crore and 1.15 crore in the same period.
- Credit Card users increased by 25% YoY to 2.78 lakh. Transactions in Point of Sale (PoS) terminals increased by 13% YoY, reaching 128 lakh in FY25.

Result PDF

Q3FY25 Quarterly Result Announced for Indian Bank

Indian Bank announced Q3FY25 results

Net Profit up by 35% YoY at Rs 2,852 crore in Q3FY25 from Rs 2,119 crore in Q3FY24.
Operating Profit improved by16% YoY to Rs 4,749 crore in Q3FY25 from Rs 4,097 crore in Q3FY24.
Net Interest Income increased by 10% YoY to Rs 6,415 crore in Q3FY25 from Rs 5,815 crore in Dec'23.
Fee based income grew by 9% YoY to Rs 931 crore in Q3FY25 from Rs 852 crore in Dec'23.
Return on Assets (RoA) up by 28 bps to 1.39% in Q3FY25 from 1.11% in Q3FY24.
Return on Equity (RoE) increased by 108 bps to 21.00% in Q3FY25 from 19.92% in Dec'23.
Yield on Advances (YoA) up by 14 bps to 8.92% in Q3FY25 from 8.78% in Dec'23.
Yield on Investments (Yol) increased by 32 bps to 7.12% in Q3FY25 from 6.80% in Q3FY24.
Cost-to-Income Ratio reduced by 234 bps to 44.56% in Q3FY25 from 46.90% in Dec'23.
Gross Advances increased by 10% YoY to Rs 5,59,199 crore in Q3FY25 from Rs 5,09,800 crore in Dec'23.
RAM (Retail, Agriculture & MSMEJ advances grew by 13% YoY to Rs 3,34,739 crore in Q3FY25 from Rs 2,96,845 crore in Q3FY24.
RAM contribution to gross domestic advances stood at 64.35%. Retail, Agri & MSME advances grew by 16%, 13.5% and 8% YoY respectively. Home Loan (including mortgage)grew by 12% YoY in Q3FY25.
Priority sector advances as a percentage of ANBC stood at 43.85% (Rs 1,92,761 crore) in Q3FY25 as against the regulatory requirement of 40%.
Total Deposits increased by 7% YoY and reached to Rs 7,02,282 crore in Q3FY25 as against Rs 6,54,154 crore in Q3FY24. Current,Savings & CASA depositsgrew by 5%,3.5%,and 4% YoY respectively.
Domestic CASA ratio stood at 40% as on Q3FY25.
CD ratio stood at 79.63% as on Q3FY25.
GNPA% decreased by 121 bps YoY to 3.26% in Q3FY25 from 4.47% in Q3FY24, NNPA% reduced by 32 bps to 0.21% in Q3FY25 from 0.53% in Q3FY24.
Provision Coverage Ratio (PCR, including TWO) improved by 219 bps YoY to 98.09% in Q3FY25 from 95.90% in Q3FY24.
Slippage Ratio improved by 50 bps to 0.78% in Q3FY25 froml.28% in Dec'23.
Capital Adequacy Ratio improved by 34 bps to 15.92%. CET-I improved by 91 bps YoY to 13.27%, Tier I Capital improved by 89 bps YoY to 13.77% in Q3FY25.
Earnings Per Share (EPS) increased by 26% to 184.70 in Q3FY25 from 167.12 in Dec'23.

Result PDF

Q2FY25 Quarterly Result Announced for Indian Bank

Indian Bank announced Q2FY25 results

Net Profit up by 36% YoY at Rs 707 crore in Sep'24 from Rs 988 crore in Sep'23.
Operating Profit improved by 10% YoY to Rs 4728 crore in Sep'24 from Rs 4303 crore in Sep'23.
Net Interest Income increased by8% YoY to Rs 6194 crore in Sep'24 from RS 5741 crore in Sep’23.
Fee based income grew by 11% YoY to Rs 891 crore in Sep'24 from Rs 805 crore in Sep' 23.
Return on Assets(RoA) up by 27 bps to 1.33% in Sep’24 from 1.06% in Sep'23.
Return on Equity (RoE) increased by 114 bps to 21.04% in Sep’24 from 19.90% in Sep’23.
Yield on Advances (YoA) up by 2 bps to 8.77%in Sep'24 from 8.75% in Sep'23.
Yield on Investments(Yol)increased by 40 bpsto7.17% in Sep'24 from 6.77% in Sep’23.
Gross Advances increased by 12% YoY to Rs 5,50,644 crore in Sep'24 from Rs 4,92,288 crore in Sep’23.
RAM (Retail, Agriculture & MSME) advances grew by 14% YoY to Rs 3,25,050 crore in Sep‘24 from Rs 2,85,891 crore in Sep'23.
RAM contribution to gross domestic advances stood at 63%. Retail, Agri & MSME advances grew by 15%, 16% and 8% YoY respectively. Home Loan (including mortgage) grew by 14% YoY in Sep’24.
Priority sector advances as a percentage of ANBC stood above 44% at Rs 1,88,348 crore in Sep'24 as against the regulatory requirement of 40%.
Total Deposits increased by 8% YoY and reached to Rs 6,93,115 crore in Sep’24 as against Rs 6,40,803 crore in Sep'23. Current, Savings & CASA deposits grew by 8%, 4%, and 5% YoY respectively.
Domestic CASA ratio stood at 40.47% as on 30th Sep'24.
CD ratio stood at 79% as on 30th Sep’24.
GNPA decreased by 149 bps YoY to 3.48% in Sep'24 from 4.97% in Sep'23, NNPA reduced by 33 bps to 0.27% in Sep’24 from 0.60% in Sep’23.
Provision Coverage Ratio (PCR, including TWO) improved by 196 bps YoY to 97.60% in Sep'24 from 95.64% in Sep'23.
Slippage Ratio contained to 1.06%in Sep’24 in comparison to 1.77%in Sep'23.
Capital Adequacy Ratio improved by 102 bps to 16.55%. CET-I improved by 144 bps YoY to 13.51%, Tier I Capital improved by 138 bps YoY to 14.01% in Sep’24.
Earnings Per Share (EPS) increased to Rs 80.37 in Sep’24 from Rs 63.84 in Sep’23.

Result PDF

Q1FY25 Quarterly Result Announced for Indian Bank

Indian Bank announced Q1FY25 results:

The net profit of Indian Bank surged by 41% YoY, reaching an impressive Rs 2,403 crore in June 2024, indicating robust financial growth.
A steady uptick in operating profit was observed, with a 9% YoY increase, amounting to Rs 4,502 crore in June 2024.
Indian Bank's Return on Assets improved significantly by 25 basis points to 1.20% in June 2024, reflecting enhanced asset utilization efficiency.
An increase in the bank's Return on Equity by 188 basis points to 19.76% in June 2024 suggests shareholders are receiving higher returns on their investments.
Gross advances exhibited a healthy growth of 12%, with the bank reporting Rs 5,39,123 crore in June 2024.
The retail, agriculture, and MSME (RAM) sectors witnessed a 13% YoY growth, demonstrating Indian Bank's support for diverse sectors of the economy.
Indian Bank's total deposits reached Rs 6,81,183 crore in June 2024, marking a 10% YoY increase and showcasing trusted customer relationships.
The bank maintained a robust domestic CASA ratio at 41% as of 30th June 2024, underlining a strong liquidity and savings base.
A significant reduction in the Gross Non-Performing Assets (GNPA) was reported, decreasing by 170 basis points to 3.77% in June 2024.
The Provision Coverage Ratio of the bank improved, highlighting a proactive approach to covering potential asset risks.
Indian Bank generated Rs 36,678 crore of business through digital channels in the first quarter of 2024, indicating a digital-forward strategy.
The bank rolled out 84 digital journeys, utilities, and processes, propelling the customer experience towards seamless digital banking.
Indian Bank boasted 5,846 domestic branches along with an extensive ATM and BNA network, ensuring accessibility across diverse regions.
The commitment to expand digital banking and the number of mobile banking and UPI users reinforces the bank's focus on financial inclusivity.

Result PDF

Q4FY24 Quarterly & FY24 Annual Result Announced for Indian Bank

Indian Bank announced Q4FY24 & FY24 results:

Q4FY24 Financial Highlights:

Net Profit up by 55% YoY at Rs 2,247 crore in Q4FY24 from Rs 1,447 crore in Q4FY23
Profit Before Taxes up by 111% YoY at Rs 3,057 crore in Q4FY24 from Rs 1,452 crore in Q4FY23
Operating Profit improved by 7% YoY to Rs 4,305 crore in Q4FY24 from Rs 4,016 crore in Q4FY23
Net Interest Income increased by 9% YoY to Rs 6,015 crore in Q4FY24 from Rs 5,508 crore in Q4FY23
Fee based income grew by 6% YoY to Rs 970 crore in Q4FY24 from Rs 914 crore in Q4FY23
Return on Assets (RoA) up by 33 bps to 1.15% in Q4FY24 from 0.82% in Q4FY23
Return on Equity (RoE) increased by 358 bps to19.06% in Q4FY24 from 15.48% in Q4FY23
Yield on Advances (YoA) up by 64 bps to 8.81% in Q4FY24 from 8.17% in Q4FY23
Yield on Investments (Yol) increased by 26 bps to 6.88% in Q4FY24 from 6.62% in Q4FY23
Gross Advances increased by 13% YoY to Rs 5,33,773 crore in Q4FY24 from Rs 4,73,586 crore in Q4FY23
RAM (Retail,Agriculture & MSME) advances grew by 14% YoY to Rs 3,09,918 crore in Q4FY24 from Rs 2,72,679 crore in Q4FY23
RAM contribution to gross domestic advances is 62.21%. Retail, Agri & MSME advances grew by 15%, 19% and 6% YoY respectively. Home Loan (Including mortgage) grew by 11% YoY, Auto Loan by 49% YoY and Personal Loan by 10% YoY
Priority sector advances as a percentage of ANBC stood at 43.82% at Rs 1,78,527 crore in Q4FY24 as against the regulatory requirement of 40%
Total Deposits increased by 11% YoY and reached to Rs 6,88,000 crore in Q4FY24. CASA deposit grew by 8%, savings deposit grew by 7% and Current deposit by 9% YoY
Domestic CASA ratio stood at 42.31% as on Q4FY24
CD ratio stood at 77.58% as on Q4FY24
GNPA decreased by 200 bps YoY to 3.95% in Q4FY24 from 5.95%, NNPA reduced by 47 bps to 0.43%from 0.90% in Q4FY23
Provision Coverage Ratio (PCR, including TWO) improved by 252 bps YoY to 96.34% in Q4FY24 from 93.82% in Q4FY23
Slippage Ratio contained to 1.11% in Q4FY24 in comparison to 2.43% in Q4FY23 i.e improvement of 132 bps YoY
Capital Adequacy Ratio stood at 16.44%. CET-I improved by 63 bps YoY to 13.52%
Tier I Capital improved by 55 bps YoY to 14.03%

FY24 Financial Highlights:

Net Profit up by 53% YoY to Rs 8,063 crore in FY24 from Rs 5,282 crore in FY23
Profit Before Taxes up by 85% YoY at Rs 10,951 crore in FY24 from Rs 5,915 crore in FY23
Operating Profit increased by 10% at Rs 16,840 crore in FY24 from Rs 15,271 crore in FY23
Net Interest Income grew by 15% to Rs 23,274 crore in FY24 from Rs 20,225 crore in FY23
Return on Assets (RoA) increased by 30 bps to 1.07% in FY24 from 0.77% in FY23
Return on Equity (RoE) up by 451 bps to 19.24% in FY24 from 14.73% in FY23
Domestic Net Interest Margin (NIM) increased by 13 bps to 3.54% in FY24 from 3.41% in FY23
Yield on Advances (YoA) up by 96 bps to 8.72% in FY24 from 7.76% in FY23
Yield on Investments (Yol) increased by 35 bps to 6.80% in FY24 from 6.45% in FY23
Cost to Income Ratio is 45.92% for FY24

Result PDF

Q2FY24 Quarterly Result Announced for Indian Bank

Indian Bank announced Q2FY24 results:

1. Financial Performance:
- Deposits increased by 9% YoY, reaching Rs 6,40,803 crore in Sep'23.
- CASA grew by 7%, driven by an 8% YoY growth in SB, with a CASA ratio of 40%.
- Gross Non-Performing Assets (GNPA) decreased by 233 bps YoY to 4.97% in Sep'23 from 7.30%.
- Net Non-Performing Assets (NNPA) reduced by 90 bps to 0.60% from 1.50% in Sep'22.
- Provision Coverage Ratio (PCR, including TWO) improved by 456 bps YoY to 95.64% from 91.08% in Sep'22.
- Capital Adequacy Ratio stood at 15.53%, CET-I at 12.07%, and Tier-I Capital at 12.63%.

2. Quarter-on-Quarter (QoQ) Performance:
- Net profit increased by 16% QoQ to Rs 1,988 crore in Sep'23 from Rs 1,709 crore in Jun'23.
- Profit before tax increased by 15% QoQ at Rs 2,752 crore in Sep'23 from Rs 2,394 crore in Jun'23.
- Operating profit increased by 4% QoQ at Rs 4,303 crore in Sep'23 from Rs 4,135 crore in Jun'23.
- Net interest income stood at Rs 5,741 crore in Sep'23 as against Rs 5,703 crore in Jun'23.

3. Year-on-Year (YoY) Performance:
- Net Profit increased by 62% YoY to Rs 1,988 crore in Sep'23 from Rs 1,225 crore in Sep'22.
- Profit Before Tax increased by 75% YoY to Rs 2,752 crore in Sep'23 from Rs 1,571 crore in Sep'22.
- Operating Profit increased by 19% YoY to Rs 4,303 crore in Sep'23 from Rs 3,629 crore in Sep'22.
- Net Interest Income increased by 23% YoY to Rs 5,741 crore in Sep'23 from Rs 4,684 crore in Sep'22.
- Fee-based income grew by 11% YoY to Rs 805 crore in Sep'23 from Rs 723 crore in Sep'22.

4. Asset Quality and Ratios:
- NIM (Domestic) increased to 3.52% in Sep'23 from 3.20% in Sep'22.
- Return on Assets (ROA) improved to 1.06% in Sep'23 from 0.71% in Sep'22.
- Return on Equity (ROE) improved by 607 bps to 19.90% in Sep'23 from 13.83% in Sep'22.
- Cost-to-Income Ratio stood at 44.36% in Sep'23 as against 44.27% in Sep'22.
- Priority Sector portfolio stood at Rs 1,64,341 crore in Sep'23, with a percentage of advances at 42.83% of ANBC.

5. Business Growth:
- Total Business recorded a YoY growth of 10%, reaching Rs 11,33,091 crore in Sep'23.
- Advances increased by 12% YoY to Rs 4,92,288 crore in Sep'23 from Rs 4,37,941 crore in Sep'22.
- RAM (Retail, Agriculture & MSME) advances grew by 12% to Rs 2,85,891 crore in Sep'23 from Rs 2,55,256 crore in Sep'22.
- Retail, Agri, MSME advances grew by 14%, 16%, and 5% YoY, respectively.
- Home Loan (Including mortgage) grew by 13%, Auto Loan by 36%, and Personal Loan by 49% YoY.

Result PDF

Q1FY24 Quarterly Result Announced for Indian Bank

Indian Bank announced Q1FY24 results:

Net Profit up by 41% YoY at Rs 1,709 in Q1FY24 from Rs 1,213 crore in Q1FY23
Profit Before Tax up by 78% YoY at Rs 2,394 crore in Q1FY24 from Rs 1,345 crore in Q1FY23
Operating Profit grew by 16% YoY at Rs 4,135 crore in Q1FY24 from Rs 3,564 crore in Q1FY23
Net Interest Income increased by 26% YoY to Rs 5,703 crore in Q1FY24 from Rs 4,534 crore in Q1FY23
Fee-based income grew by 7% YoY to Rs 671 crore in Q1FY24
Cost-to-Income Ratio stood at 44.22% in Q1FY24
Domestic NIM improved to 3.61% in Q1FY24 from 3.10% in Q1FY23
Return on Assets (RoA) improved to 0.95% in Q1FY24 from 0.73% in Q1FY23
Return on Equity (RoE) increased to 17.88% in Q1FY24 from 14.18% in Q1FY23
Total Business recorded a YoY growth of 9% reaching the level of Rs 11,00,943 crore in Q1FY24 from Rs 10,09,454 crore in Q1FY23
Advances increased by 13% YoY to Rs 4,79,404 crore in Q1FY24 from Rs 4,25,203 crore in Q1FY23
RAM (Retail, Agriculture & MSME) advances grew by 13% YoY to Rs 2,76,435 crore in Q1FY24 from Rs 2,44,247 crore in Q1FY23
RAM contribution to gross domestic advances is 61%. Retail & Agri advances grew by 16% YoY each while MSME advances grew by 7% YoY. Home Loan (Including mortgage) grew by 14% YoY, Auto Loan by 29% YoY and Personal Loan by 52% YoY
Deposits grew by 6% YoY and reached to Rs 6,21,539 crore in Q1FY24
CASA deposits recorded a YoY growth of 5% and stood at Rs 25,0,242 crore in Q1FY24. The share of CASA to total deposits stood at 40%.
GNPA decreased by 266 bps YoY to 5.47% in Q1FY24 from 8.13% in Q1FY23, NNPA reduced by 142 bps YoY to 0.70% from 2.12% in Q1FY23
Provision Coverage Ratio (PCR, including TWO) improved by 702 bps YoY to 95.10% from 88.08% in Q1FY23
Capital Adequacy Ratio stood at 15.78%. CET-I & Tier I Capital at 12.31% & 12.88% respectively

Result PDF

Q4FY23 Quarterly & FY23 Annual Result Announced for Indian Bank

Indian Bank announced Q4FY23 & FY23 results:

Q4FY23:
- Net profit up by 47% YoY at Rs 1,447 crore in Q4FY23 from Rs 984 crore in Q4FY22
- Operating profit up by 47% YoY at Rs 4,016 crore in Q4FY23 from Rs 2,738 crore in Q4FY22
- Net interest income increased by 29% YoY to Rs 5,508 crore in Q4FY23 from Rs 4,255 crore in Q4FY22
- Fee-based income grew by 12% YoY to Rs 914 crore in Q4FY23
- Cost-to-income ratio improved to 46.47% in Q4FY23 from 53.03% in Q4FY22
- Domestic NIM improved to 3.59% in Q4FY23 from 2.87% in Q4FY22
- Return on assets (RoA) improved to 0.82% in Q4FY23 from 0.62% in Q4FY22
- Return on equity (RoE) increased to 15.48% in Q4FY23 from 11.70% in Q4FY22
- Advances increased by 14% YoY to Rs 4,73,586 crore in Q4FY23 from Rs 4,15,625 crore in Q4FY22
- RAM (retail, agriculture & MSME) advances grew by 12% YoY to Rs 2,72,679 crore in Q4FY23 from Rs 2,42,700 crore in Q4FY22
- RAM contribution to gross domestic advances is 61%. Retail, agri & MSME advances grew by 13%, 16% & 7% YoY respectively. Home loan (Including mortgage) grew by 11% YoY, auto loan by 28% YoY and personal loan by 46% YoY
- Deposits increased by 5% YoY and reached Rs 6,21,166 crore in Q4FY23
- CASA ratio stood at 42%
- GNPA decreased by 252 bps YoY to 5.95% in Q4FY23 from 8.47% in Q4FY22, NNPA reduced by 137 bps to 0.90% from 2.27% in Q4FY22
- Provision coverage ratio (PCR, including TWO) improved by 644 bps YoY to 93.82% from 87.38% in Q4FY22
- Capital adequacy ratio at 16.49%. CET-I improved by 36 bps YoY to 12.89% Tier I capital improved by 31 bps YoY to 13.48%
FY23:
- Net profit up by 34% YoY to Rs 5,282 crore in FY23 from Rs 3,945 crore in FY22
- Operating profit increased by 20% YoY at Rs 15,271 crore in FY23 from Rs 12,717 crore in FY22
- Net interest income grew by 21% to Rs 20,225 crore in FY23 from Rs 16,728 crore in FY22
- Return on assets (RoA) increased to 0.77% in FY23 from 0.63% in FY22
- Return on equity (RoE) improved to 14.73% in FY23 from 12.13% in FY22
- Cost-to-income ratio improved to 44.20% in FY23 from 46.21% in FY22
- Net interest margin (NIM) domestic increased by 50 bps to 3.41% in FY23 from 2.91% in FY22
- The board of directors has recommended a dividend of Rs 8.60 per equity share (86%) for FY23 subject to requisite approvals

Result PDF

Midhani has secured an order of Rs. 121.75 crore

Published on 19-Dec-2025 09:02

Aeroflex Industries Board has approved a ₹97.56 crore expansion plan

Published on 19-Dec-2025 09:01

As per media sources, HDFC Bank has raised a $1 billion three-year overseas loan from its GIFT City branch

Published on 19-Dec-2025 09:00

TCS, on its Investor Day 2025, articulated a clear shift towards an AI-first enterprise

Published on 18-Dec-2025 09:07

Syrma SGS Technology has completed the first tranche of its acquisition of defence and aerospace electronics firm Elcome Integrated Systems

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POWERGRID has commissioned the Western Region Expansion Scheme-XXV

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