Axis Bank Q4 Results Highlights: Net profit drops marginally to ₹7,117.50 crore; dividend declared

Axis Bank Q4 Results Live: The shareholders’ funds grew 19% YOY and stood at ₹1,78,617 crores as of 31st March 2025. The bank now has a self-sustaining capital structure to fund growth, with organic net capital accretion through profits to CET-1 of 93 bps for the FY25. 

As on 31st March 2025, the Capital Adequacy Ratio (CAR) and CET1 ratio was 17.07% and 14.67% respectively. ₹5,012 crores of other provisions are not considered for CAR calculation, providing a cushion of ~37 bps over the reported CAR. The Book value per equity share increased from ₹487 as of 31 st March 2024 to ₹577 as of 31st March 2025.

Axis Bank Q4 Results Live: The bank added 170 branches during the quarter, taking its overall distribution network to 5,876 domestic branches and extension counters along with 234 Business Correspondent Banking Outlets (BCBOs) situated across 3,194 centres as at 31st March 2025 compared to 5,377 domestic branches and extension counters, and 182 BCBO’s situated in 2,963 centres as at 31 st March 2024. 

As on 31st March 2025, the Bank had 13,941 ATMs and cash recyclers spread across the country. The Bank’s Axis Virtual Centre is present across eight centres with over ~1,700 Virtual Relationship Managers as on 31st March 2025.

Axis Bank Q4 Results Live: Key domestic subsidiaries delivered strong performance

o FY25 profit at ₹1,768 crores up 11% YOY, with a return on investment in domestic subsidiaries of ~46%

o Axis Finance FY25 PAT grew 11% YOY to ₹676 crores; asset quality metrics stable, ROE at 14.51% for Q4FY25

o Axis AMC FY25 PAT grew 21%YOY to ₹501 crores

o Axis Securities FY25 PAT grew 39% YOY to ₹419 crores

o Axis Capital FY25 PAT grew 7% YOY to ₹161 crores and executed 44 ECM deals in FY25

Axis Bank Q4 Results Live: Amitabh Chaudhry, MD&CEO, Axis Bank said, “The Bank prioritised profitability over growth, considering the uncertain macros and tight liquidity environment dominating most of FY25, while continuing to meaningfully invest in making the franchise more sustainable. As we enter FY26, we believe the operating environment is improving, which should help us drive both growth and profitability.

Axis Bank Q4 Results Live:As on 31st March 2025, the Bank’s balance sheet grew 9% YOY and stood at ₹16,09,930 crores as on 31st March 2025. The total deposits grew 7% QOQ and 10% YOY on month end basis, of which current account deposits grew 16%. The Bank’s advances grew 3% QOQ and 8% YOY to ₹10,40,811 crores as on 31st March 2025. 

Retail loans grew 3% QOQ and 7% YOY to ₹6,22,897 crores and accounted for 60% of the net advances of the bank. Home loans grew 1% YOY, Personal loans grew 8% YOY, Credit card advances grew 4% YOY, Small Business Banking (SBB) grew 17% YOY and 4% QOQ

Axis Bank Q4 Results Live: FY25 financial performance

Standalone Bank ROA was 1.74% and ROE was 16.52%. Net Interest Income for FY25 grew 9% YOY to ₹54,348 crores from ₹49,894 crores in FY24. Fee income grew 11% YOY to ₹22,504 crores. Operating profit for FY25 grew by 13% to ₹42,105 crores from ₹37,123 crores in FY24. Core operating profit for FY25 grew 13% to ₹39,916 crores from ₹35,393 crores in FY24. Total provisions for FY25 stood at ₹7,758 crores. Net Profit for FY25 grew 6% to ₹26,373 crores from ₹24,861 crores in FY24.

Axis Bank Q4 Results Live: Axis Max Life Insurance Ltd., formerly known as Max Life Insurance Company Ltd, has launched Bandhan 2.0, an AI-enabled augmented reality platform. Integrating advanced technology with immersive brand storytelling, the platform features interactive gamification, virtual environments, and opportunities for direct engagement with the leadership during the orientation of the new hires.

The bank's gross non-performing asset (NPA)-- bad loans as a percentage of total loans, a key gauge of lenders' asset quality-- improved to 1.28 per cent in the quarter under review from 1.43 per cent in the year-ago period. However, net NPA was at 0.33 per cent in Q4 FY25 from 0.31 per cent in the year-ago period. 

For the 2024-25 fiscal year, the bank's net profit rose to ₹26,373 crore from ₹24,861 crore in the preceding fiscal year. Besides, the total income grew to ₹1,47,934 crore in FY25 from ₹1,31,810 crore in FY24. Provision and contingencies for Q4FY25 stood at ₹1,359 crores. Specific loan loss provisions for Q4FY25 stood at ₹1,369 crores

Axis Bank Q4 Results Live: Net Interest Income and Net Interest Margin

The Bank’s Net Interest Income (NII) grew 6% YOY to ₹13,811 crores. Net Interest Margin (NIM) for Q4FY25 stood at 3.97%.

Fee income for Q4FY25 grew 16% QOQ and 12% YOY to ₹6,338 crores. Retail fees grew 22% QOQ and 14% YOY; and constituted 75% of the Bank’s total fee income

Axis Bank Q4 Results Live: Net profit drops marginally to ₹7,117.50 crore in the March quarter of FY25. The Board of Directors has recommended dividend of Re 1 per equity share of face value of ₹2 per equity share for the year ended 31st March 2025. This would be subject to approval by the shareholders at the next annual general meeting.

Axis Bank Q4 Results Live: Beyond the earnings, investor attention will also be on dividend payouts. The company had last paid a final dividend of ₹1 per equity share in July 2024 for the financial year 2024. Axis Bank shares currently have a dividend yield of 0.79 per cent. While intimating exchanges about its Q4 result announcement schedule, Axis Bank had said that its board will also consider and approve the raising of funds through several instruments including a Qualified Institutions Placement (QIP), issuance of bonds and non-convertible debentures or more. This will be subject to shareholders' approval.

Axis Bank Q4 Results Live: Analysts expect Axis Bank’s advances to grow by 9.27% YoY to ₹10.6 lakh crore in the March 2025 quarter, as compared with ₹9.7 lakh crore in the same period last year. Deposits during the quarter are expected to grow 8.4% to ₹11.6 lakh crore from ₹10.7 lakh crore, YoY.

“Expect a softer QoQ growth in loan book, and similar deposit growth. NIM continues to be a key monitorable. We expect steady NIMs or a marginal decline. Opex trend would lend support to core PPoP growth,” Elara Capital said.

Axis Bank Q4 Results Live: Axis Bank is projected to report a net profit of ₹6,773 crore during the quarter ended March 2025, registering a fall of 5% from ₹7,129.7 crore, from the year-ago period, according to Livemint poll. The bank’s net interest income (NII) in Q4FY25 is estimated to grow by 6.2 per cent to ₹13,900 crore from ₹13,089 crore, year-on-year (YoY). Other income of the lender is estimated to be better, and hence cost ratios would be lower. Axis Bank’s net interest margins (NIMs) are expected to come under pressure in Q4FY25. NIMs are estimated to fall 14 basis points (bps) to 3.9%.

Axis Bank Q4 Results Live: Axis Bank share price settles 0.31 per cent higher at ₹1,210.30 apiece on the BSE. The stock has rallied five per cent in the last five sessions, over 10 per cent in one month, and 13 per cent year to date.

Axis Bank Q4 Results Live: Axis Bank’s asset quality is expected to remain stable sequentially during the January-March 2025 quarter. Brokerage firm Motilal Oswal Financial Services expects the gross non-performing asset (GNPA) ratio in Q4FY25 to be flat quarter-on-quarter (QoQ) at around 1.5%. The net NPA (NNPA) ratio is also estimated to be flat at 0.4%, similar to that in the December quarter.

Axis Bank Q4 Results Live: Analysts expect Axis Bank’s advances to grow by 9.27% YoY to ₹10.6 lakh crore in the March 2025 quarter, as compared with ₹9.7 lakh crore in the same period last year. Deposits during the quarter are expected to grow 8.4% to ₹11.6 lakh crore from ₹10.7 lakh crore, YoY.

Axis Bank Q4 Results Live: NII growth will be slightly slower than average loan growth due to fall in yield on advances outpacing cost of deposits. Consequently, NIM will be lower sequentially, YES Securities said in a note.

Axis Bank Q4 Results Live: Axis Bank’s net interest income (NII) in Q4FY25 is estimated to grow by 6.2% to ₹13,900 crore from ₹13,089 crore, year-on-year (YoY). Other income of the lender is estimated to be better, and hence cost ratios would be lower.

The bank’s net interest margins (NIMs) are expected to come under pressure in Q4FY25. NIMs are estimated to fall 14 basis points (bps) to 3.9%.

Axis Bank Q4 Results Live: Axis Bank is projected to report a net profit of ₹6,773 crore during the quarter ended March 2025, registering a fall of 5% from ₹7,129.7 crore, from the year-ago period, according to Livemint poll.

Axis Bank Q4 Results Live: Axis Bank is expected to report muted earnings performance during the January-March quarter of FY25, highlighted by tepid margins and sluggish loan growth. While asset quality ratios are likely to see a flat trend, credit cost is expected to decline for the private lender.

Axis Bank Q4 Results Live: Axis Bank share price gained over a percent ahead of its Q4 results today. Axis Bank shares opened flat at ₹1,206.45 apiece on the BSE as against its previous close of ₹1,206.50 apiece. The banking stock gained as much as 1.1% to an intraday high of ₹1,220 apiece on the BSE.

Axis Bank Q4 Results Live: The board of Axis Bank will also consider fundraising options today. The board will explore the option of raising funds through issue of equity shares / depository receipts and/or any other instruments or securities representing either equity shares and/or convertible securities linked to equity shares including through QIP, ADRs, GDRs program, preferential allotment or such other permissible mode or combinations thereof as may be decided.

The board will also consider the issue of debt instruments including but not limited to Bonds and Non-Convertible Debentures, in Indian Currency / Foreign Currency, subject to shareholders approval.

Axis Bank Q4 Results Live: Axis Bank board of directors are also likely to declare a final dividend for FY25 along with the Q4 results today. “We would like to inform you that a meeting of the Board of Directors of Axis Bank will be held on Thursday, April 24, 2025, to consider and approve the final dividend, if any, for the financial year ended March 31, 2025,” Axis Bank said.

Axis Bank Q4 Results Live: Axis Bank, the third largest private sector lender in India, is set to report its Q4 results today, April 24. Along with its financial results for the fourth quarter of FY25, the bank will also declare its earnings for the full financial year ending 31 March 2025.