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Indian Bank – PLI Calculation (FY 2024-25)

1️⃣ Increase in CASA %

From Slide 6:
• CASA % (Domestic) Mar’24 = 42.31%
• CASA % (Domestic) Mar’25 = 40.17%

This is a decline, not increase.

🔹 Criteria: <3% increase
➡ Marks = 0

⸻

2️⃣ Increase in Total Business %

From Slide 6:
• Business Mar’24 = ₹12,21,773 Cr
• Business Mar’25 = ₹13,25,294 Cr
• YoY Growth = 8.5%

🔹 Slab: >=8% and <10.5%
➡ Marks = 8

⸻

3️⃣ Decrease in Gross NPA (bps)

From Slide 28:
• GNPA Mar’24 = 3.95%
• GNPA Mar’25 = 3.09%
• Reduction = 0.86% = 86 bps

🔹 Slab: >=80 bps and <100 bps
➡ Marks = 8

⸻

4️⃣ Govt Sponsored Schemes Target Achievement

From Slide 8:
• MUDRA → 101%
• Stand Up India → 118%
• Priority Sector → Surpassed mandatory targets
• SHG → 92%
• (Other schemes also achieved strongly)

Clearly ≥4 targets achieved

🔹 Slab: 4 Targets
➡ Marks = 4

(If internally counted as 5 targets, then marks would be 5 — depends on official internal classification.)

⸻

5️⃣ Increase in Net Profit %

From Slide 14:
• Net Profit FY24 = ₹8063 Cr
• Net Profit FY25 = ₹10918 Cr
• Growth = 35.4%

🔹 Slab: >=24%
➡ Marks = 10

⸻

6️⃣ Increase in Non-Interest Income %

From Slide 15:
• FY24 = ₹7867 Cr
• FY25 = ₹9223 Cr
• Growth = 17.2%

🔹 Slab: >=2.5%
➡ Marks = 5

⸻

🎯 Final PLI Score (FY 2024-25)
Parameter
Marks
CASA Growth
0
Business Growth
8
GNPA Reduction
8
Govt Schemes
4
Net Profit Growth
10
Non-Interest Income
5
✅ Total = 35 / 50

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