Mumbai, Oct. 20 -- Net interest income (interest earned less interest expended) for the quarter ended 30 September 2025 grew by 4.8% to 31,550 crore from Rs 30,110 crore for the quarter ended 30 September 2024. Core net interest margin was at 3.27% on total assets, reflecting assets repricing faster than deposits, as against 3.35% for the prior quarter ended 30 June 2025.

Operating expenses for the quarter ended 30 September 2025 were Rs 17,980 crore, as against Rs 16,890 crore during the corresponding quarter of the previous year. The cost-to-income ratio for the quarter was at 39.2%.

Provisions and contingencies for the quarter ended 30 September 2025 were Rs 3500 crore, up 29.6% YoY. The total credit cost ratio was at 0.51% for the q...