Axis Bank Limited has announced its financial results for the quarter and nine months ended December 31, 2025, reporting strong year-on-year growth in deposits and advances alongside improved profitability. Total deposits grew 15 per cent year on year, while advances increased 14 per cent, supported by healthy CASA inflows and balanced loan growth across retail, SME and corporate segments.
The Bank’s net interest income for the quarter stood at Rs 14,287 crore, rising 5 per cent year on year, with net interest margin at 3.64 per cent. Core operating profit increased 7 per cent year on year and 9 per cent quarter on quarter, while profit after tax rose 28 per cent quarter on quarter to Rs 6,490 crore, aided by steady net interest income and healthy fee income growth.
Fee income grew 12 per cent year on year to Rs 6,100 crore, with retail fees contributing 71 per cent of total fee income. For the nine months ended December 31, 2025, core operating profit stood at Rs 30,824 crore, up 5 per cent year on year, while net profit for the period was Rs 17,385 crore.
Axis Bank maintained stable asset quality during the quarter, with gross NPA at 1.40 per cent and net NPA at 0.42 per cent. The provision coverage ratio remained healthy at 70 per cent, with an overall coverage ratio of 146 per cent. Net credit cost for the quarter stood at 0.76 per cent.
The Bank remained well capitalised, with a capital adequacy ratio of 16.55 per cent and a CET-1 ratio of 14.50 per cent as of December 31, 2025, supported by strong liquidity buffers and excess statutory liquidity ratio holdings of Rs 1,37,919 crore.
Commenting on the performance, Amitabh Chaudhry, MD and CEO, Axis Bank, said the quarter reflected the Bank’s focus on simplifying access to credit, reimagining digital banking and investing in platforms, people and partnerships to stay ahead of changing customer behaviour.
During the quarter, Axis Bank strengthened its digital and payments franchise, maintaining a market share of around 39 per cent in the UPI payer PSP segment by volume and a terminal market share of 21.4 per cent in merchant acquiring. The Bank issued around one million new credit cards in Q3 FY26 and continued to see strong adoption across digital channels, with approximately 97 per cent of customer transactions conducted digitally.
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