Logotype for Axis Bank Limited

Axis Bank (AXISBANK) investor relations material

Axis Bank Q2 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Axis Bank Limited
Q2 25/26 earnings summary15 Oct, 2025

Executive summary

  • Achieved strong growth in advances and deposits, with deposits up 11% YoY and advances up 12% YoY, gaining market share and supported by a resilient balance sheet and robust capital position.

  • Credit card business surpassed 15 million cards; UPI market share exceeded 35% in value and volume, maintaining leadership in digital banking and payments.

  • Focused on deposit growth, credit growth, asset quality, and cost control, with improvements in retail unsecured asset quality and positive operating jaws.

  • Continued digital innovation, product launches, and industry-first solutions, including LockFD and gold-backed credit line on UPI.

  • Recognized for leadership in private banking, digital innovation, and social responsibility, with multiple industry awards.

Financial highlights

  • Net interest income (NII) for H1 FY26 was INR 27,304 crore, up 1% YoY; Q2 NII at INR 13,745 crore, up 2% YoY and 1% QoQ; Net Interest Margin at 3.73%.

  • Fee income for H1 FY26 grew 10% YoY to INR 11,783 crore; Q2 fee at INR 6,037 crore, up 10% YoY and 5% QoQ.

  • PAT for Q2 FY26 was INR 5,090 crore; gross NPA at 1.46%, net NPA at 0.44%, both declining QoQ.

  • Core operating profit for H1FY26 reached ₹20,010 crore, up 4% YoY, with cost-to-assets at 2.38%.

  • Standalone capital adequacy ratio (Basel III) at 16.55% as of September 30, 2025.

Outlook and guidance

  • Advances expected to grow 300 bps faster than industry over the medium term (3-5 years, base FY26).

  • Margins expected to bottom out in Q3 FY26, assuming no further rate cuts.

  • Continued focus on deposit franchise, premiumization, and digital transformation to drive growth.

  • Focus on further granularization of deposits and growth in SBB, SME, and MC segments.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Axis Bank earnings date

Logotype for Axis Bank Limited
Q3 25/2615 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Axis Bank earnings date

Logotype for Axis Bank Limited
Q3 25/2615 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Axis Bank Limited provides corporate and retail banking products and services in India and internationally. The company offers the following: retail banking, corporate/wholesale banking, treasury operations including currency derivatives, investment banking, business and transaction banking, wealth management, broking services, internet banking, mobile banking, and phone banking. The company was founded in 1993 and is headquartered in Mumbai, India

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage