Axis Bank Share Price Fell Over 4%: Released Q4FY25 Earnings, Dividend of ₹1 Per Share

On April 25, 2025, Axis Bank share price dropped over 4%, reaching a day low of ₹1151.95 at 10:15 AM, after opening at ₹1183.95 on BSE. The fall in Axis Bank share price follows the release of Q4FY25 earnings on April 24, 2025. The board recommended a dividend of ₹1 per share for FY25 on shares with a face value of ₹2.

Axis Bank Q4FY25 Earnings

Axis Bank, India’s 4th -largest private lender by market capitalisation, posted a marginal 0.20% year-on-year (YoY) decline in standalone net profit for the fourth quarter of FY25, with earnings coming in at ₹7,117.50 crore, compared to ₹7,129.67 crore in the same period last year.

During Q4FY25, the bank’s total interest income rose by 6.9% YoY to ₹31,242.51 crore, up from ₹29,224.54 crore a year ago. Net interest income (NII) grew 6% YoY, reaching ₹13,811 crore. However, net interest margin (NIM) for Q4FY25 narrowed to 3.97%, down 9 basis points from 4.06% in Q4FY24.

Axis Bank’s operating profit for Q4FY25 rose 2% YoY to ₹10,752 crore. Operating expenses saw a 6% YoY increase during the quarter.

Balance Sheet and Deposits Growth

The bank’s balance sheet expanded by 9% YoY to ₹16,09,930 crore as of March 31, 2025. Deposits showed a 7% quarter-on-quarter (QoQ) and 10% YoY growth. CASA (current and savings accounts) deposits rose to form 41% of total deposits, up from 39% at the end of Q3FY25.

Axis Bank’s total advances climbed 8% YoY and 3% QoQ, reaching ₹10,40,811 crore. Retail loans contributed ₹6,22,897 crore—60% of net advances—and grew 7% YoY and 3% QoQ. About 72% of retail loans were secured, with home loans making up 27% of the retail portfolio.

• Home loans: Up 1% YoY

• Personal loans: Up 8% YoY

• Credit card advances: Up 4% YoY

The SME loan segment continued to diversify and saw robust growth of 14% YoY and 4% QoQ, reaching ₹1,18,521 crore. Corporate loans increased 8% YoY.

Asset Quality Update

As of March 31, 2025, gross non-performing assets (GNPAs) fell to 1.28%, from 1.46% at the end of December 2024. Net NPAs were also lower at 0.33%, compared to 0.35% in the previous quarter. Gross slippages during the quarter were ₹4,805 crore—lower than ₹5,432 crore in Q3FY25, but higher than ₹3,471 crore in Q4FY24.

Also Read: What is the History of Axis Bank?

Conclusion

Axis Bank’s Q4FY25 earnings showcase its focus on reimagining end-to-end journeys and transforming the core and becoming a partner of choice for ecosystems.

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