IndusInd Bank Ltd

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IndusInd Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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IndusInd Bank Ltd

₹ 876 -3.38%
07 Oct 4:01 p.m.
indusind.com BSE: 532187 NSE: INDUSINDBK F&O
About

IndusInd Bank Limited was incorporated in 1994 as a commercial bank under the Banking Regulation Act, 1949. The Bank is publicly held and provides a wide range of banking products and financial services to corporate and retail clients besides undertaking treasury operations. The Bank operates in India including at the International Financial Service Centres in India.[1]

Key Points

Market Position
IndusInd Bank is the 5th largest private sector bank (by market capitalization) in India, serving over 42 mn customers nationwide.[1][2] It is also India’s 2nd largest microfinance lender, operating through its subsidiary Bharat Financial Inclusion Limited (BFIL), serving over 13 Mn customers. [3]

Website BSE NSE F&O
  • Market Cap ₹ 68,209 Cr.
  • Current Price ₹ 876
  • High / Low ₹ 1,078 / 726
  • Stock P/E 51.6
  • Book Value ₹ 844
  • Dividend Yield 0.17 %
  • ROCE 5.68 %
  • ROE 1.36 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.06 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.79% over past five years.
  • Promoter holding is low: 15.8%
  • Company has a low return on equity of 6.60% over last 3 years.
  • Contingent liabilities of Rs.12,08,438 Cr.
  • Promoters have pledged 42.8% of their holding.
  • Dividend payout has been low at 9.15% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
10,730 11,248 11,572 12,199 12,547 12,686 12,801 10,634 12,264 11,609 11,373 11,005 11,310
Interest 5,863 6,171 6,277 6,822 7,139 7,339 7,573 7,586 7,624 7,199 6,811 6,634 6,625
4,237 4,424 4,618 4,753 4,947 5,752 5,726 6,770 5,989 6,644 6,095 5,272 5,082
Financing Profit 630 653 677 623 460 -405 -498 -3,722 -1,350 -2,235 -1,533 -901 -397
Financing Margin % 6% 6% 6% 5% 4% -3% -4% -35% -11% -19% -13% -8% -4%
2,210 2,282 2,396 2,508 2,442 2,185 2,355 709 2,157 1,651 1,707 1,714 1,787
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,840 2,935 3,073 3,131 2,902 1,780 1,857 -3,013 807 -584 174 813 1,389
Tax % 25% 25% 25% 25% 25% 25% 24% -23% 25% -25% 26% 27% 25%
2,124 2,202 2,301 2,349 2,171 1,331 1,402 -2,329 604 -437 128 594 1,037
EPS in Rs 27.38 28.34 29.59 30.18 27.88 17.09 18.00 -29.89 7.75 -5.61 1.64 7.63 13.31
Gross NPA % 1.94% 1.93% 1.92% 1.92% 2.02% 2.11% 2.25% 3.13% 3.64% 3.60% 3.56% 3.43% 3.25%
Net NPA % 0.58% 0.57% 0.57% 0.57% 0.60% 0.64% 0.68% 0.95% 1.12% 1.04% 1.04% 1.00% 0.95%
Raw PDF
Upcoming result date: 23 October 2026

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
11,872 14,406 17,281 22,261 28,783 29,000 30,822 36,368 45,748 48,668 46,251 45,297
Interest 7,355 8,343 9,783 13,415 16,724 15,472 15,822 18,776 25,132 29,636 28,268 27,270
4,188 5,684 6,555 9,284 12,544 15,772 15,561 15,425 17,569 22,664 23,437 23,094
Financing Profit 329 379 942 -438 -485 -2,244 -560 2,167 3,046 -3,632 -5,455 -5,066
Financing Margin % 3% 3% 5% -2% -2% -8% -2% 6% 7% -7% -12% -11%
3,297 4,171 4,750 5,647 6,953 6,501 7,345 8,173 9,396 7,690 7,229 6,859
Depreciation 157 191 212 229 291 328 352 407 463 532 564 0
Profit before tax 3,469 4,360 5,481 4,980 6,177 3,929 6,433 9,932 11,979 3,526 1,210 1,792
Tax % 34% 34% 34% 34% 28% 25% 25% 25% 25% 27% 27%
2,287 2,868 3,606 3,301 4,458 2,930 4,805 7,444 8,977 2,576 889 1,322
EPS in Rs 38.43 47.95 60.08 54.77 64.28 37.89 62.03 95.93 115.34 33.06 11.41 16.97
Dividend Payout % 12% 13% 12% 14% 0% 13% 14% 15% 14% 0% 13%
Compounded Sales Growth
10 Years: 15%
5 Years: 10%
3 Years: 8%
TTM: -6%
Compounded Profit Growth
10 Years: -9%
5 Years: -21%
3 Years: -51%
TTM: 31%
Stock Price CAGR
10 Years: -3%
5 Years: -5%
3 Years: -14%
1 Year: 21%
Return on Equity
10 Years: 10%
5 Years: 9%
3 Years: 7%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 595 598 600 603 694 773 775 776 778 779 779
Reserves 17,102 20,049 23,243 26,085 34,054 42,727 47,252 54,229 62,429 64,057 64,961
Deposits 93,000 127,572 151,639 194,868 202,027 255,870 293,349 336,120 384,586 410,862 399,931
Borrowing 24,996 21,454 38,289 47,321 60,754 51,323 47,323 49,011 47,611 53,704 42,789
7,205 8,976 7,856 8,944 9,700 12,210 13,268 17,701 19,689 24,706 34,934
Total Liabilities 142,898 178,650 221,628 277,821 307,229 362,903 401,967 457,837 515,094 554,107 543,394
1,218 1,307 1,313 1,688 1,792 1,801 1,834 1,944 2,127 2,309 2,420
CWIP 37 28 25 22 79 75 95 135 197 188 126
Investments 34,056 36,704 50,078 59,268 59,938 69,653 70,930 83,076 106,486 114,457 125,007
107,587 140,611 170,211 216,843 245,419 291,374 329,109 372,682 406,283 437,154 415,841
Total Assets 142,898 178,650 221,628 277,821 307,229 362,903 401,967 457,837 515,094 554,107 543,394

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,927 11,569 -20,700 -6,389 -12,907 44,976 16,672 -12,442 -16,925 18,278 993
-258 -285 -217 -633 1,445 -324 -395 -481 -703 -685 -524
2,517 -2,768 15,505 8,590 12,733 -4,096 -4,302 1,115 -2,242 4,876 -10,912
Net Cash Flow -667 8,516 -5,412 1,568 1,271 40,556 11,975 -11,808 -19,869 22,468 -10,443
Free Cash Flow -3,184 11,296 -20,920 -7,027 -13,324 44,645 16,266 -13,002 -17,636 17,569 359
CFO/OP -21% 154% -175% -31% -66% 346% 124% -54% -49% 82% 5%

Ratios

Consolidated / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 13% 15% 16% 13% 15% 7% 10% 14% 15% 4% 1%

Insights

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Mar 2016 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Branches / Banking Outlets
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Vehicle Finance Disbursements
₹ crs
Gross NPA
%
Net NPA
%
Micro Loans Book
₹ crs
CASA Ratio
% of deposits
Customer Base
millions
Vehicle Finance Loan Book
₹ crs

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
16.47% 16.45% 16.40% 16.38% 16.36% 16.29% 15.83% 15.82% 15.82% 15.82% 15.82% 15.82%
41.48% 42.47% 40.25% 38.40% 34.11% 24.74% 29.53% 33.68% 34.32% 31.60% 28.57% 29.17%
28.17% 26.21% 28.09% 29.69% 34.60% 42.43% 36.32% 33.18% 31.57% 35.00% 40.13% 41.86%
0.37% 0.36% 0.37% 0.37% 0.37% 0.39% 0.38% 0.38% 0.38% 0.38% 0.38% 0.38%
13.50% 14.52% 14.90% 15.16% 14.56% 16.16% 17.94% 16.92% 17.91% 17.20% 15.10% 12.76%
No. of Shareholders 3,60,0273,59,6883,98,1814,17,3594,39,0526,39,7097,71,7436,95,6747,01,7116,49,0846,01,0565,68,147

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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