Mumbai, April 25 -- Total income increased 7.01% year on year (YoY) to Rs 4,789.21 crore in the quarter ended 31 March 2026.

Provisions (other than tax) and contingencies fell 13.61% YoY to Rs 678.32 crore during Q4 FY26, indicating a gradual moderation in credit costs. Profit before tax surged 264.31% to Rs 277.06 crore in Q4 FY26 as against Rs 76.05 crore posted in the year-ago period.

Net interest income rose 7% YoY to Rs 1,671 crore in the quarter ended 31 March 2026. Net interest margin (NIM) stood at 4.41% in Q4 FY26, compared to 4.89% reported in the same quarter a year ago.

Operating profit stood at Rs 955 crore in Q4 FY26, up 11% YoY and 5% quarter-on-quarter (QoQ).

On the asset quality front, the gross non-performing assets ...