Overview

Detailed Summary

IndusInd Bank is the fifth largest private sector bank in India, offering a range of banking services including retail and corporate banking, investment management, and digital banking services.
The bank is actively optimizing its balance sheet by shedding inefficient assets and focusing on expanding its retail deposit share, which has reached 47.5%, enhancing financial stability and growth potential.
IndusInd Bank has shown a significant focus on leadership restructuring, onboarding a new chairman and key officers to drive strategic growth opportunities in retail and corporate banking.
There is a strategic emphasis on leveraging digital banking platforms, particularly through the INDIE app which now supports millions of transactions, aligning with future growth in digital financial solutions.
The bank has faced challenges in asset quality, especially within its microfinance segment; however, steps are in place to tighten underwriting norms and improve collection efficiency.

Sector: Banks
Industry: Private Sector Bank
Market Cap: 64,713 Cr
Volatility: High Risk
P/E Ratio: -29.8
Industry P/E: 13.4
PEG Ratio: —
P/B Ratio: 1.0
52W High: 968.60
52W Low: 618.05

Sales CAGR

1Y: 6.38%
3Y: 16.45%
5Y: 11.08%
10Y: 16.97%

Profit CAGR

1Y: -71.31%
3Y: -16.93%
5Y: -9.77%
10Y: 1.62%

ROE

TTM: -3.13%
3Y: 10.43%
5Y: 9.68%
10Y: 10.82%

ROCE

TTM: 5.04%
3Y: 13.37%
5Y: 13.33%
10Y: 13.15%

Technicals

Oscillators

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

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Peers

Financial Services Financial Services Banks Private Sector Bank

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
IDBI		69.52	79,632 Cr	8.05	1.35	2.84	13.35	6.38	2.19
FEDERALBNK		271.50	71,908 Cr	16.48	1.98	0.41	11.58	6.34	1.14
INDUSINDBK		779.20	64,713 Cr	-29.79	1.00	0.00	-3.13	5.04	0.49
YESBANK		18.15	59,905 Cr	17.98	1.19	0.00	6.32	5.84	0.74
IDFCFIRSTB		61.09	56,960 Cr	35.93	1.22	0.32	3.35	5.32	0.40
KARURVYSYA		269.15	27,241 Cr	11.32	2.13	0.77	17.96	6.93	1.72
BANDHANBNK		168.05	27,072 Cr	26.89	1.10	0.89	4.05	6.25	1.53
Median: 7 Co.	—	168.05	59,905 Cr	16.48	1.22	0.41	6.32	6.25	1.14

Financial Statements

Upcoming Result Date: Apr 23, 2026

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	11,248	11,572	12,199	12,547	12,686	12,801	10,634	12,264	11,609	11,373
Expenses	4,424	4,618	4,753	4,947	5,753	5,726	6,770	5,989	6,645	6,095
Interest	6,171	6,277	6,822	7,139	7,339	7,573	7,586	7,624	7,199	6,811
Financing Profit	653	677	623	460	-405	-498	-3,722	-1,350	-2,235	-1,533
Financing Margin %	5.81	5.85	5.11	3.67	-3.19	-3.89	-35.00	-11.00	-19.25	-13.48
Other Income	2,282	2,396	2,508	2,442	2,185	2,355	709	2,157	1,651	1,707
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	2,935	3,073	3,131	2,902	1,780	1,857	-3,013	807	-584	174
Tax %	24.97	25.11	24.98	25.20	25.20	24.48	22.70	25.18	25.16	26.41
Net Profit	2,202	2,301	2,349	2,171	1,331	1,402	-2,329	604	-437	128
EPS in Rs	28.24	29.50	30.11	27.84	17.08	18.00	-29.89	7.75	-5.61	1.59
Gross NPA %	1.93	1.92	1.92	2.02	2.11	2.25	3.13	3.64	0.00	3.56
Net NPA %	0.57	0.57	0.57	0.60	0.64	0.68	0.95	1.12	0.00	1.04

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	14,406	17,281	22,261	28,783	29,000	30,822	36,368	45,748	48,668	48,385
Expenses	5,684	6,555	9,284	12,544	15,772	15,624	15,425	17,569	22,664	24,238
Interest	8,343	9,783	13,415	16,724	15,472	15,822	18,776	25,132	29,636	30,121
Financing Profit	379	942	-438	-485	-2,244	-623	2,167	3,046	-3,632	-5,975
Financing Margin %	2.63	5.45	-1.97	-1.69	-7.74	-2.02	5.96	6.66	-7.46	-12.35
Other Income	4,171	4,750	5,647	6,953	6,501	7,408	8,173	9,396	7,690	7,406
Depreciation	191	212	229	291	328	352	407	463	532	0.00
Profit Before Tax	4,360	5,481	4,980	6,177	3,929	6,433	9,932	11,979	3,526	1,431
Tax %	34.22	34.21	33.72	27.83	25.44	25.31	25.06	25.06	26.95	29.51
Net Profit	2,868	3,606	3,301	4,458	2,930	4,805	7,443	8,977	2,576	1,009
EPS in Rs	—	—	42.03	54.71	38.22	61.59	95.44	115.08	33.03	-26.16
Dividend Payout %	12.61	12.59	13.77	0.00	12.51	13.72	14.60	14.31	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	595	598	600	603	694	773	775	776	778	779
Reserves	17,102	20,049	23,243	26,085	34,054	42,727	47,252	54,229	62,429	64,057
Borrowings	1,17,996	1,49,026	1,89,928	2,42,189	2,62,781	3,07,193	3,40,673	3,85,131	4,32,197	4,64,566
Other Liabilities	7,205	8,976	7,856	8,944	9,700	12,210	13,268	17,701	19,689	24,706
Total Liabilities	1,42,898	1,78,650	2,21,628	2,77,821	3,07,229	3,62,903	4,01,967	4,57,837	5,15,094	5,54,107
Fixed Assets	1,218	1,307	1,313	1,688	1,792	1,801	1,834	1,944	2,127	2,309
CWIP	37	28	25	22	79	75	95	135	197	188
Investments	34,056	36,704	50,078	59,268	59,938	69,653	70,930	83,076	1,06,486	1,14,457
Other Assets	1,07,587	1,40,611	1,70,211	2,16,843	2,45,419	2,91,374	3,29,109	3,72,682	4,06,283	4,37,154
Total Assets	1,42,898	1,78,650	2,21,628	2,77,821	3,07,229	3,62,903	4,01,967	4,57,837	5,15,094	5,54,107

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2,927	11,569	-20,700	-6,389	-12,907	44,976	16,672	-12,442	-16,925	18,278
Cash from Investing Activity	-258	-285	-217	-633	1,445	-324	-395	-481	-703	-685
Cash from Financing Activity	2,517	-2,768	15,505	8,590	12,733	-4,096	-4,302	1,115	-2,242	4,876
Net Cash Flow	-667	8,516	-5,412	1,568	1,271	40,556	11,975	-11,808	-19,869	22,468

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	16.50%	16.49%	16.47%	16.45%	16.40%	16.38%	16.36%	16.29%	15.83%	15.82%	15.82%	15.82%
FIIs	42.16%	42.06%	41.48%	42.46%	40.24%	38.40%	34.10%	24.74%	29.53%	33.69%	34.32%	31.60%
DIIs	27.01%	26.99%	28.66%	26.70%	28.59%	30.18%	35.08%	42.81%	36.70%	33.56%	31.95%	35.38%
Public	14.34%	14.46%	13.39%	14.39%	14.77%	15.04%	14.45%	16.16%	17.94%	16.93%	17.91%	17.20%
Total Shareholders	3,78,303	3,64,290	3,60,027	3,59,685	3,98,181	4,17,359	4,39,052	6,39,709	7,71,743	6,95,674	7,01,711	6,49,084

Market Transactions

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Projection

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Documents

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Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

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