IndusInd Bank Ltd

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

IndusInd Bank Ltd

₹ 858 -0.58%
05 Dec 9:48 a.m.
indusind.com BSE: 532187 NSE: INDUSINDBK
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 6th largest private sector bank (by market capitalization) in India, serving over 40 million 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
  • Market Cap ₹ 66,868 Cr.
  • Current Price ₹ 858
  • High / Low ₹ 1,087 / 605
  • Stock P/E
  • Book Value ₹ 830
  • Dividend Yield 0.00 %
  • ROCE 6.49 %
  • ROE 4.15 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.04 times its book value
  • Company's working capital requirements have reduced from 177 days to 119 days

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 15.4%
  • Company has a low return on equity of 10.9% over last 3 years.
  • Contingent liabilities of Rs.14,36,524 Cr.
  • Promoters have pledged or encumbered 50.9% of their holding.
  • Dividend payout has been low at 9.68% 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

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
8,708 9,457 10,021 10,730 11,248 11,572 12,199 12,547 12,686 12,801 10,634 12,264 11,609
Interest 4,406 4,962 5,351 5,863 6,171 6,277 6,822 7,139 7,339 7,573 7,586 7,624 7,199
3,934 3,956 4,097 4,238 4,451 4,623 4,749 4,972 5,759 5,723 6,646 5,882 6,652
Financing Profit 368 539 572 629 625 672 628 436 -412 -495 -3,598 -1,242 -2,242
Financing Margin % 4% 6% 6% 6% 6% 6% 5% 3% -3% -4% -34% -10% -19%
2,011 2,076 2,151 2,210 2,282 2,396 2,500 2,441 2,184 2,350 709 2,156 1,648
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,379 2,616 2,723 2,838 2,907 3,068 3,128 2,877 1,772 1,855 -2,889 914 -594
Tax % 25% 25% 25% 25% 25% 25% 25% 25% 25% 24% -23% 25% -25%
1,787 1,959 2,041 2,124 2,181 2,298 2,347 2,152 1,325 1,401 -2,236 684 -445
EPS in Rs 23.05 25.27 26.30 27.37 28.07 29.55 30.15 27.64 17.01 17.99 -28.70 8.78 -5.71
Gross NPA % 2.11% 2.06% 1.98% 1.94% 1.93% 1.92% 1.92% 2.02% 2.11% 2.25% 3.13% 3.64%
Net NPA % 0.61% 0.62% 0.59% 0.58% 0.57% 0.57% 0.57% 0.60% 0.64% 0.68% 0.95% 1.12%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
8,254 9,692 11,872 14,406 17,281 22,261 28,783 29,000 30,822 36,368 45,748 48,668 47,307
Interest 5,363 6,272 7,355 8,343 9,783 13,415 16,724 15,472 15,822 18,776 25,132 29,636 29,982
2,555 3,133 4,188 5,684 6,555 9,283 12,611 15,997 15,840 15,525 17,638 22,616 24,903
Financing Profit 335 288 329 379 942 -437 -553 -2,469 -839 2,067 2,978 -3,584 -7,577
Financing Margin % 4% 3% 3% 3% 5% -2% -2% -9% -3% 6% 7% -7% -16%
1,891 2,548 3,297 4,171 4,750 5,647 6,951 6,559 7,334 8,166 9,388 7,684 6,863
Depreciation 98 127 157 191 212 229 278 305 321 373 425 485 0
Profit before tax 2,128 2,709 3,469 4,360 5,481 4,981 6,121 3,784 6,174 9,860 11,942 3,615 -714
Tax % 34% 34% 34% 34% 34% 34% 28% 25% 25% 25% 25% 27%
1,408 1,794 2,286 2,868 3,606 3,301 4,418 2,836 4,611 7,390 8,950 2,643 -595
EPS in Rs 26.80 33.88 38.43 47.95 60.08 54.77 63.70 36.68 59.52 95.24 114.99 33.92 -7.64
Dividend Payout % 13% 12% 12% 13% 12% 14% 0% 14% 14% 15% 14% 0%
Compounded Sales Growth
10 Years: 18%
5 Years: 11%
3 Years: 16%
TTM: -3%
Compounded Profit Growth
10 Years: 4%
5 Years: -10%
3 Years: -17%
TTM: -107%
Stock Price CAGR
10 Years: -1%
5 Years: -1%
3 Years: -10%
1 Year: -14%
Return on Equity
10 Years: 12%
5 Years: 10%
3 Years: 11%
Last Year: 4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 526 529 595 598 600 603 694 773 775 776 778 779 779
Reserves 8,517 10,115 17,101 20,048 23,241 26,083 34,013 42,592 46,923 53,846 62,019 63,714 63,855
Deposits 61,571 75,478 93,000 127,572 151,639 194,868 202,040 256,205 293,681 336,438 384,793 411,078 389,787
Borrowing 13,693 19,274 24,996 21,454 38,289 47,321 60,754 51,323 47,323 49,011 47,611 53,704 45,350
2,719 6,390 7,205 8,976 7,856 8,944 9,558 12,080 13,273 17,733 19,734 24,744 27,591
Total Liabilities 87,026 111,787 142,897 178,648 221,626 277,819 307,058 362,973 401,975 457,804 514,935 554,018 527,363
991 1,120 1,218 1,307 1,313 1,688 1,742 1,734 1,754 1,857 2,001 2,168 2,445
CWIP 25 38 37 28 25 22 78 75 95 135 197 188 0
Investments 21,563 22,878 34,054 36,702 50,077 59,266 59,980 69,695 70,971 83,116 106,527 114,497 124,048
64,447 87,751 107,587 140,611 170,211 216,843 245,257 291,469 329,155 372,695 406,211 437,166 400,870
Total Assets 87,026 111,787 142,897 178,648 221,626 277,819 307,058 362,973 401,975 457,804 514,935 554,018 527,363

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-4,106 -1,421 -2,927 11,569 -20,700 -6,389 -12,039 44,646 16,600 -12,438 -16,843 18,113
-174 -276 -258 -285 -217 -633 526 -226 -351 -441 -625 -624
4,200 5,707 2,517 -2,768 15,505 8,590 12,733 -4,096 -4,302 1,115 -2,242 4,876
Net Cash Flow -79 4,010 -667 8,516 -5,412 1,568 1,220 40,324 11,947 -11,763 -19,710 22,364

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 17% 18% 16% 15% 16% 13% 14% 7% 10% 14% 15% 4%

Shareholding Pattern

Numbers in percentages

2 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
16.51% 16.50% 16.49% 16.47% 16.45% 16.40% 16.38% 16.36% 16.29% 15.83% 15.82% 15.82%
44.79% 42.16% 42.34% 41.48% 42.47% 40.25% 38.40% 34.11% 24.74% 29.53% 33.68% 34.32%
24.63% 26.54% 26.22% 28.17% 26.21% 28.09% 29.69% 34.60% 42.43% 36.32% 33.18% 31.57%
0.37% 0.37% 0.37% 0.37% 0.36% 0.37% 0.37% 0.37% 0.39% 0.38% 0.38% 0.38%
13.70% 14.45% 14.59% 13.50% 14.52% 14.90% 15.16% 14.56% 16.16% 17.94% 16.92% 17.91%
No. of Shareholders 3,45,1373,78,3033,64,2903,60,0273,59,6883,98,1814,17,3594,39,0526,39,7097,71,7436,95,6747,01,711

* 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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