Standalone net profit jumped 55.4% YoY to ₹952 crore (from ₹612 crore), up 45.4% QoQ from ₹654 crore; adjusted for ₹155 crore gratuity (new labour codes), PAT ₹1,068 crore (+74.4% YoY). Net interest income rose 10.8–11% YoY to ₹2,465 crore (NIM up to 2.6% from 2.5% QoQ); total income ₹7,543 crore (down 3.7% YoY); provisions fell to ₹22 crore (vs. ₹259 crore YoY).

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