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T N Merc. Bank

Q2 FY27Banks

Tamilnad Mercantile Bank Q2 Results 2026 (FY27): Revenue ₹2,052.40 Cr, PAT ₹451.14 Cr

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹801
Market cap₹12.7K Cr
P/E8.8
Updated26 Oct 2026
Read3 min read

T N Merc. Bank Q2 FY27 key numbers

Revenue
Interest Income for Q2FY27: ₹1,820.16 crores, up 28.78% YoY.

As stated in T N Merc. Bank's Q2 FY27 investor presentation · published 26 Oct 2026. Reported figures, not investment advice.

Based on T N Merc. Bank's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Interest Income for Q2FY27: ₹1,820.16 crores, up 28.78% YoY (Page 19) - Non-Interest Income for Q2FY27: ₹232.24 crores, up 11.62% YoY (Page 19) - Total Income for Q2FY27: ₹2,052.40 crores, up 26.5 EBITDA/Operating Profit for Q2FY27: ₹641.55 crore, up 41.80% YoY (Page 19)

From T N Merc. Bank's Q2 FY27 earnings-call transcript · updated 26 Oct 2026.

Revenue & Sales Performance

  • Interest Income for Q2FY27: ₹1,820.16 crores, up 28.78% YoY (Page 19)
  • Non-Interest Income for Q2FY27: ₹232.24 crores, up 11.62% YoY (Page 19)
  • Total Income for Q2FY27: ₹2,052.40 crores, up 26.58% YoY (Page 19)
  • Total Business (Deposits + Advances) at ₹1,30,237 crores, up 27.25% YoY (Page 7)
  • Deposits: ₹69,546 crores, up 25.49% YoY
  • Gross Advances: ₹60,691 crores, up 29.32% YoY

2 more points from T N Merc. Bank's call on revenue

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Profitability & Margins

See what T N Merc. Bank said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

It focuses primarily on financial performance, digital transformation initiatives, credit and lending enhancements, productivity metrics, and risk management. Key points related to technology and digital transformation include: - Digital Lending system implementation with timelines: - LOS/LMS partner onboarded by Mar 2025 - MSME & Corporate lending live by Nov 2025 - Targeting Retail Lending live by Oct 2026 - Introduction of Business Rule Engine for automated credit assessment. - Deployment of digital engagement hubs, kiosks for customer services (pilot phase).

2 more points from T N Merc. Bank's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what T N Merc. Bank said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

It provides information on: - Advances (loans) growth: Gross Advances ₹60,691 Cr (up 29.32% YoY as of Q2FY27). - Digital lending initiatives with timelines for MSME, corporate, and retail lending going live between Nov 2025 and Oct 2026.

2 more points from T N Merc. Bank's call on order book

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Continue your research

What T N Merc. Bank's management said in earlier quarters

Others in Banks this season

  • Suryoday Small Finance Bank Ltd (Q2 FY27)

    Gross Advances: ₹14,972 Cr, +34.6% YoY . Key investor presentation takeaways from Suryoday Small Finance Bank Ltd's Q2 FY27 investor presentation — and how it r

  • Fino Payments Bank Ltd (Q2 FY27)

    Q2’27 Revenue: ₹333.6 Cr, up 16.6% YoY (Page 15) . Key investor presentation takeaways from Fino Payments Bank Ltd's Q2 FY27 investor presentation — and how it

  • Capital Small Finance Bank Ltd (Q2 FY27)

    Net Interest Income: INR 139 Crores (24% YoY increase from INR 112 Crores in Q2FY26) . Key investor presentation takeaways from Capital Small Finance Bank Ltd's

  • Equitas Small Finance Bank Ltd (Q2 FY27)

    Net Income for Q2FY27: ₹1,313 Cr, up 32% YoY (Page 34) . Key investor presentation takeaways from Equitas Small Finance Bank Ltd's Q2 FY27 investor presentation

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Frequently Asked Questions

What were T N Merc. Bank Q2 FY27 results?

Interest Income for Q2FY27: ₹1,820.16 crores, up 28.78% YoY (Page 19) - Non-Interest Income for Q2FY27: ₹232.24 crores, up 11.62% YoY (Page 19) - Total Income for Q2FY27: ₹2,052.40 crores, up 26.5 EBITDA/Operating Profit for Q2FY27: ₹641.55 crore, up 41.80% YoY (Page 19)

What is T N Merc. Bank share price analysis?

T N Merc. Bank currently shows a neutral. The stock trades at a P/E of 8.8 with a market cap of ₹12,678 Cr. Investors should review the full earnings analysis for detailed insights.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.