Overview
- Net profit rose to Rs 952 crore for the quarter ended December 31, 2025, up 55.4% year on year.
- Net interest income increased 10.9% to about Rs 2,466 crore, with net interest margin at 2.6% versus 2.4% a year earlier.
- Provisions dropped to Rs 220 crore, a 91% decline after earlier quarters of building buffers.
- Asset quality improved with the gross NPA ratio at 1.5%, net NPA at 0.3%, and provision coverage at 83.3%.
- Operating profit reached Rs 1,234 crore, or Rs 1,389 crore on an adjusted basis, and the adjusted cost‑to‑income ratio improved to 66.1%.