Indian Bank reports ₹16,000 crore in outstanding debt securities for H1FY27
- Indian Bank holds ₹16,000 crore in outstanding debt securities as of September 30, 2026
- Four bonds constitute the portfolio, with coupons ranging from 7.12% to 8.15%
- A ₹1,000 crore bond with an 8.15% coupon matures on January 25, 2027
- Remaining ₹15,000 crore comprises long-term bonds maturing between 2034 and 2036
*this image is generated using AI for illustrative purposes only.
Indian Bank disclosed ₹16,000 crore in outstanding debt securities as of September 30, 2026, according to a filing with the stock exchanges.
The statement covers the half year ended September 30, 2026 (H1FY27). The bank issued the securities under SEBI Master Circular No. SEBI/HO/DDHS/DDHS-PoD/P/CIR/2025/0000000137 dated October 15, 2025. The disclosure details four specific bond instruments held by the public.
Bond portfolio composition
The total issue size matches the amount outstanding, indicating no redemptions or partial repayments occurred during the reporting period. The coupons range from 7.12% to 8.15% per annum, with all instruments paying interest annually.
| Issuance date | Maturity date | Coupon rate % | Amount issued ₹ crore | Amount outstanding ₹ crore |
|---|---|---|---|---|
| January 25, 2017 | January 25, 2027 | 8.15 | 1,000 | 1,000 |
| September 13, 2024 | September 13, 2034 | 7.24 | 5,000 | 5,000 |
| October 25, 2024 | October 25, 2034 | 7.12 | 5,000 | 5,000 |
| March 24, 2026 | March 24, 2036 | 7.15 | 5,000 | 5,000 |
| Total | 16,000 | 16,000 |
What the numbers show
The data reveals a distinct maturity wall approaching in early 2027. The ₹1,000 crore bond maturing on January 25, 2027, carries the highest coupon rate at 8.15%. This contrasts sharply with the newer issuances from FY25 and FY26, which carry lower coupons between 7.12% and 7.24%. This spread suggests the bank has successfully refinanced or raised capital at lower costs in recent years compared to the 2017 vintage. The remaining ₹15,000 crore consists of long-term bonds maturing between 2034 and 2036, providing stability to the liability profile over the next decade.
Historical Stock Returns for Indian Bank
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +2.12% | -2.41% | -8.14% | -8.78% | +9.90% | +471.23% |
How will Indian Bank plan to refinance the ₹1,000 crore bond maturing in January 2027, and what coupon rate is expected for the replacement issuance?
What impact does the shift from 8.15% legacy debt to ~7.15% new issuances have on Indian Bank's projected net interest margin (NIM) expansion for FY27?
Are there regulatory or market constraints that could affect Indian Bank's ability to issue additional long-term bonds given its current ₹16,000 crore outstanding debt securities?
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