Indian Bank: Domestic Advances Rise to ₹6.5 Trillion, Global Advances Reach ₹7.7 Trillion

Indian Bank has reported significant growth in its advances portfolio, with domestic gross advances rising to ₹6.50 trillion from ₹5.60 trillion, while global gross advances expanded to ₹7.70 trillion from ₹6.70 trillion. These latest figures demonstrate the bank's continued expansion across both domestic and international markets.

Domestic and Global Advances Performance

The bank's advances portfolio shows robust growth across geographical segments, reflecting strong credit demand and the bank's enhanced market presence:

Segment	Previous	Current	Growth
Domestic Gross Advances	₹5.60 trillion	₹6.50 trillion	₹0.90 trillion
Global Gross Advances	₹6.70 trillion	₹7.70 trillion	₹1.00 trillion

Strong Credit Portfolio Expansion

The domestic advances growth of ₹0.90 trillion indicates the bank's successful penetration in the Indian market, while the global portfolio expansion of ₹1.00 trillion reflects its international business development. The bank's total advances portfolio demonstrates consistent growth momentum across all operational territories.

Market Position and Growth Strategy

These advances figures highlight Indian Bank's strengthened position in both domestic and international banking segments. The substantial increase in gross advances reflects the bank's effective credit deployment strategy and its ability to capitalize on growing market opportunities across different geographical regions.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-2.09%	-4.36%	-12.23%	+17.96%	+63.74%	+636.16%

Indian Bank has announced a selective revision in its benchmark lending rates, with the Asset Liability Management Committee (ALCO) approving changes to the Treasury Bills Linked Lending Rates (TBLR) effective from April 3, 2026. The decision was communicated to stock exchanges under SEBI listing regulations on April 2, 2026.

TBLR Rate Revision Details

The bank has implemented a targeted rate cut in its shortest tenor category, reducing the TBLR for loans up to 3 months from 5.35% to 5.30%. This represents a reduction of 5 basis points for short-term lending products. The revised TBLR structure is as follows:

Tenor	Existing Rate (%)	Revised Rate (%)
≤ 3 months	5.35%	5.30%
>3 months & ≤ 6 months	5.50%	5.50%
>6 months & ≤ 1 year	5.60%	5.60%
>1 year & ≤ 3 years	5.60%	5.60%

Other Benchmark Rates Remain Unchanged

The ALCO maintained stability across other key lending rate benchmarks. The Marginal Cost of funds based Lending Rate (MCLR) structure remains unchanged across all tenors:

Tenor	Rate (%)
Overnight	7.90%
1 month	8.20%
3 months	8.40%
6 months	8.65%
1 year	8.75%

Traditional Benchmark Rates

Indian Bank has kept its traditional benchmark rates steady, with the Base Rate continuing at 9.55% and the Benchmark Prime Lending Rate (BPLR) remaining at 13.80%. Additionally, the Policy Repo Rate stands at 5.25% while the Repo Linked Benchmark Lending Rates (RBLR) is maintained at 7.95%.

Implementation Timeline

The revised TBLR rates became effective from April 3, 2026, providing borrowers with lower interest costs on short-term Treasury Bills linked lending products. The selective nature of the revision indicates the bank's strategic approach to rate management, focusing on specific tenor segments while maintaining stability in other categories.