NIM to remain in upper band of 3.15-3.25%
Management expects NIM to sustain at the upper end of the guided range, with no major triggers for expansion or compression.
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Indian Bank · forward-looking guidance across the available source record.
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margins
Credit growth of 13-14% for FY27
Management targets balanced growth with advances growing 13-14%, mindful of the deposit-advance gap.
Gross NPA to reach 1.50-1.60% by year-end
Management expects gross NPA to decline further to 1.50-1.60% by March 2027.
ECL transition impact of ₹3,000-3,500 crore
Management guided for a one-time ECL transition impact of ₹3,000-3,500 crore, with ₹1,000 crore already provided in Q1.
Credit growth of 12-13% for FY27
Management expects to sustain credit growth in the 12-13% range, driven by RAM segments and selective corporate lending.
NIM to remain around 3.3-3.4%
NIM may see 1-2 bps compression in Q4 due to MCLR repricing and rate cut impact, but full-year NIM expected to be around 3.3-3.4%.
Credit cost to stay below 1%
Credit cost expected to remain around 0.20-0.21% for Q4, with full-year below 1% guidance maintained.
Digital business to reach 50% of total business in 2-3 years
Management targets increasing digital business share from current 15% to 50% over the next 2-3 years.