Overview
- Consolidated profit rose 12.17% to ₹19,807 crore, with standalone PAT up 11.5% to ₹18,653.75 crore for the December quarter.
- Net interest income increased 6.4% to about ₹32,600 crore, while other income grew over 15% to roughly ₹13,254 crore; NIM was about 3.5% on interest-earning assets.
- Gross advances grew 11.9% to around ₹28.45 lakh crore and deposits rose 11.6% to about ₹28.60 lakh crore as of December 31, 2025.
- Asset quality improved, with gross NPAs at 1.24% and net NPAs at 0.42% at quarter end.
- Operating expenses included an estimated ₹800 crore charge related to the New Labour Code, and capital buffers remained strong with total CAR at 19.9% (Tier 1 17.8%, CET1 17.4%).