IndusInd Bank Limited — Quarter ended 31.03.2026 (Audited) and year ended 31.03.2026 (Audited)
| Sr. No. | Particulars | Quarter ended 31.03.2026 (Audited) (Refer note 7) | Quarter ended 31.12.2025 (Unaudited) | Quarter ended 31.03.2025 (Audited) (Refer note 7) | Year ended 31.03.2026 (Audited) | Year ended 31.03.2025 (Audited) |
|---|---|---|---|---|---|---|
| 1. | Interest Earned (i)+(ii)+(iii)+(iv) | 1,100,542 | 1,137,288 | 1,063,384 | 4,625,081 | 4,866,766 |
| (i) | Interest / Discount on Advances / Bills | 860,395 | 893,232 | 833,982 | 3,638,045 | 3,959,115 |
| (ii) | Income on Investments | 203,279 | 202,870 | 199,796 | 791,039 | 766,303 |
| (iii) | Interest on balances with Reserve Bank of India and other inter-bank funds | 22,439 | 17,786 | 24,225 | 136,493 | 120,661 |
| (iv) | Others | 14,429 | 23,400 | 5,381 | 59,504 | 20,687 |
| 2. | Other Income | 171,366 | 170,720 | 70,883 | 722,906 | 769,044 |
| 3. | Total Income (1+2) | 1,271,908 | 1,308,008 | 1,134,267 | 5,347,987 | 5,635,810 |
| 4. | Interest Expended | 663,394 | 681,123 | 758,551 | 2,826,849 | 2,963,635 |
| 5. | Operating Expenses (i)+(ii) | 378,988 | 399,923 | 424,804 | 1,601,384 | 1,606,035 |
| (i) | Employees Cost (Refer Note 5) | 171,695 | 190,489 | 175,169 | 709,122 | 663,340 |
| (ii) | Other Operating Expenses | 207,293 | 209,434 | 249,635 | 894,062 | 942,695 |
| 6. | Total Expenditure Excluding Provisions and Contingencies (4+5) | 1,042,382 | 1,081,046 | 1,183,355 | 4,430,033 | 4,569,670 |
| 7. | Operating Profit before Provisions and Contingencies (3-6) | 229,526 | 226,962 | (49,088) | 917,954 | 1,066,140 |
| 8. | Provisions (other than tax) and Contingencies | 148,213 | 209,577 | 252,208 | 796,908 | 713,565 |
| 9. | Exceptional items | – | – | – | – | – |
| 10. | Profit (+) / Loss (-) from Ordinary Activities before Tax (7-8-9) | 81,313 | 17,385 | (301,296) | 121,046 | 352,575 |
| 11. | Tax Expense | 21,899 | 4,591 | (68,404) | 32,127 | 95,034 |
| 12. | Net Profit (+) / Loss (-) from Ordinary Activities after Tax (10-11) | 59,414 | 12,794 | (232,892) | 88,919 | 257,541 |
| 13. | Extraordinary items (net of tax expense) | – | – | – | – | – |
| 14. | Net Profit (+) / Loss (-) before share of Associate (12-13) | 59,414 | 12,794 | (232,892) | 88,919 | 257,541 |
| 15. | Share in profit/(loss) of Associate | 3 | 4 | 5 | 15 | 13 |
| 16. | Net Profit (+) / Loss (-) for the period (14+15) | 59,417 | 12,798 | (232,887) | 88,934 | 257,554 |
| 17. | Paid up Equity Share Capital (Face Value: Rs.10/- each) | 77,911 | 77,908 | 77,905 | 77,911 | 77,905 |
| 18. | Reserves excluding revaluation reserves | – | – | – | 64,689,49 | 63,766,892 |
| 19. | Analytical Ratios | |||||
| (i) | Percentage of shares held by Government of India | – | – | – | – | – |
| (ii) | Capital Adequacy Ratio (%) – Basel III | 17.48 | 16.94 | 16.24 | 17.48 | 16.24 |
| (a) | CET 1 Ratio | 16.20 | 15.74 | 15.10 | 16.20 | 15.10 |
| (iii) | Earnings per share (EPS) – (Basic and Diluted) (Rs.) | |||||
| (a) | Basic EPS for the period/year before Extraordinary items (not annualized) | 7.63 | 1.64 | (29.90) | 11.42 | 33.07 |
| Diluted EPS for the period/year before Extraordinary items (not annualized) | 7.62 | 1.59 | (29.89) | 11.41 | 33.05 | |
| (b) | Basic EPS for the period/year after Extraordinary items (not annualized) | 7.63 | 1.64 | (29.90) | 11.42 | 33.07 |
| Diluted EPS for the period/year after Extraordinary items (not annualized) | 7.62 | 1.59 | (29.89) | 11.41 | 33.05 | |
| (iv) | NPA Ratios | |||||
| (a) | Gross NPA | 1,109,535 | 1,160,462 | 1,104,639 | 1,109,535 | 1,104,639 |
| Net NPA | 316,938 | 330,397 | 328,714 | 316,938 | 328,714 | |
| (b) | Gross NPA (%) | 3.43 | 3.56 | 3.13 | 3.43 | 3.13 |
| Net NPA (%) | 1.00 | 1.04 | 0.95 | 1.00 | 0.95 | |
| (v) | Return on Assets (%) (annualized) | 0.45 | 0.10 | (1.74) | 0.17 | 0.49 |
| (vi) | Net Worth (Refer Note 14 a) | 6,286,698 | 6,207,708 | 6,253,197 | 6,286,698 | 6,253,197 |
| Particulars | As at 31.03.2026 (Audited) | As at 31.03.2025 (Audited) |
|---|---|---|
| CAPITAL AND LIABILITIES | ||
| Capital | 77,911 | 77,905 |
| Employee Stock Options Outstanding | 15,117 | 14,287 |
| Reserves and Surplus | 6,480,935 | 6,391,376 |
| Deposits | 39,993,076 | 41,086,227 |
| Borrowings | 4,278,919 | 5,370,355 |
| Other Liabilities and Provisions | 3,493,434 | 2,470,561 |
| Total | 54,339,392 | 55,410,711 |
| ASSETS | ||
| Cash and Balances with Reserve Bank of India | 2,994,563 | 5,100,601 |
| Balances with Banks and Money at Call and Short Notice | 1,898,672 | 836,948 |
| Investments | 12,500,705 | 11,445,672 |
| Advances | 31,587,139 | 34,501,863 |
| Fixed Assets | 254,591 | 249,636 |
| Other Assets | 5,103,722 | 3,275,991 |
| Total | 54,339,392 | 55,410,711 |
| Particulars | Year ended 31.03.2026 (Audited) | Year ended 31.03.2025 (Audited) |
|---|---|---|
| 1 Cash flows from operating activities | ||
| Net Profit before taxation | 121046 | 352575 |
| Adjustments for : | ||
| Depreciation on Fixed assets | 56388 | 53227 |
| Depreciation on Investments | 21003 | 5713 |
| Employees Stock Option expenses | 2240 | 5348 |
| Loan Loss and Other Provisions | 786832 | 303217 |
| Amortisation of premium/(discount) on investments | 31424 | 27249 |
| Loss on sale of fixed assets | 160 | (199) |
| Share in current period profit of Associate | 15 | 13 |
| Operating Profit before Working Capital changes | 1019108 | 747143 |
| Adjustments for : | ||
| (Increase)/Decrease in Advances | 2131099 | (475252) |
| (Increase)/Decrease in Investments | (1118312) | (804554) |
| (Increase) / Decrease in Other Assets | (1841978) | (473974) |
| Increase / (Decrease) in Deposits | (1093151) | 2627660 |
| Increase / (Decrease) in Other Liabilities | 1019669 | 501627 |
| Cash generated from / (used in) Operations | 116435 | 2122650 |
| Direct Taxes paid (net of refunds) | (17146) | (294871) |
| Net Cash generated from / (used in) Operating Activities | 99289 | 1827779 |
| 2 Cash flows from investing activities | ||
| Purchase of Fixed Assets (including WIP) | (69191) | (73099) |
| Proceeds from sale of Fixed Assets | 5818 | 2241 |
| Net Cash generated from / (used in) Investing Activities | (63373) | (70858) |
| 3 Cash flows from financing activities | ||
| Proceeds from issue of equity shares (net of issue expenses) | 260 | 6826 |
| Dividends paid | – | (128490) |
| Increase / (Decrease) in Borrowings | (1091437) | 609214 |
| Net Cash generated from / (used in) Financing Activities | (1091177) | 487550 |
| 4 Effect of foreign currency translation reserve | 10947 | 2337 |
| 5 Net increase / (decrease) in cash and cash equivalents (1+2+3+4) | (1044314) | 2246808 |
| 6 Cash and cash equivalents at beginning of period / year | 5937549 | 3690741 |
| 7 Cash and cash equivalents at end of period / year (5+6) | 4893235 | 5937549 |
| Particulars | Quarter ended 31.03.2026 (audited) | Quarter ended 31.12.2025 (unaudited) | Quarter ended 31.03.2025 (audited) | Year ended 31.03.2026 (audited) | Year ended 31.03.2025 (audited) |
|---|---|---|---|---|---|
| (a) Segment Revenue: | |||||
| i) Treasury Operations | 263,778 | 237,177 | 57,671 | 1,044,920 | 737,030 |
| ii) Corporate / Wholesale Banking | 300,948 | 243,930 | 311,545 | 1,083,558 | 1,278,879 |
| iii) Retail Banking | 816,145 | 920,434 | 836,122 | 3,610,099 | 3,997,615 |
| a) Digital Banking | 71,499 | 71,662 | 76,352 | 291,147 | 289,757 |
| b) Other Retail Banking | 744,646 | 848,772 | 759,770 | 3,318,952 | 3,707,858 |
| iv) Other Banking Business | 311 | 494 | 1,538 | 2,414 | 5,396 |
| Total [Items (i) to (iv)] | 1,381,182 | 1,402,035 | 1,206,876 | 5,740,991 | 6,018,920 |
| Less: Inter-segment Revenue | 109,274 | 94,027 | 72,609 | 393,004 | 383,110 |
| Total Income | 1,271,908 | 1,308,008 | 1,134,267 | 5,347,987 | 5,635,810 |
| (b) Segment Results: | |||||
| i) Treasury Operations | 59,246 | 27,273 | (145,723) | 235,405 | (89,331) |
| ii) Corporate / Wholesale Banking | 36,430 | 49,875 | 37,884 | 169,779 | 313,920 |
| iii) Retail Banking | 147,672 | 164,228 | 73,045 | 568,745 | 893,454 |
| a) Digital Banking | 12,239 | 12,210 | 18,742 | 46,713 | 104,588 |
| b) Other Retail Banking | 135,433 | 152,017 | 54,303 | 522,032 | 788,866 |
| iv) Other Banking Business | 55 | 109 | 223 | 413 | 1,324 |
| Total [Items (i) to (iv)] | 243,403 | 241,485 | (34,571) | 974,342 | 1,119,367 |
| Add: Unallocated Revenue | – | – | – | – | – |
| Less: Unallocated Expenses | 13,877 | 14,523 | 14,517 | 56,388 | 53,227 |
| Operating Profit | 229,526 | 226,962 | (49,088) | 917,954 | 1,066,140 |
| Less: Provisions & Contingencies | 148,213 | 209,577 | 252,208 | 796,908 | 713,565 |
| Net Profit before tax | 81,313 | 17,385 | (301,296) | 121,046 | 352,575 |
| Less: Taxes including Deferred Taxes | 21,899 | 4,591 | (68,404) | 32,127 | 95,034 |
| Extraordinary Profit / Loss | – | – | – | – | – |
| Net Profit before share of associate | 59,414 | 12,794 | (232,892) | 88,919 | 257,541 |
| Add: Share in profit / loss of Associate | 3 | 4 | 5 | 15 | 13 |
| Net Profit | 59,417 | 12,798 | (232,887) | 88,934 | 257,554 |
| (c) Other Information: | |||||
| Segment Assets | |||||
| i) Treasury Operations | 15,762,543 | 15,122,368 | 13,794,152 | 15,762,543 | 13,794,152 |
| ii) Corporate / Wholesale Banking | 11,478,539 | 12,075,910 | 13,233,915 | 11,478,539 | 13,233,915 |
| iii) Retail Banking | 23,653,337 | 22,702,388 | 25,880,752 | 23,653,337 | 25,880,752 |
| a) Digital Banking | 910,107 | 973,404 | 943,540 | 910,107 | 943,540 |
| b) Other Retail Banking | 22,743,230 | 21,728,984 | 24,937,212 | 22,743,230 | 24,937,212 |
| iv) Other Banking Business | – | – | – | – | – |
| Unallocated Assets | 3,444,973 | 2,658,868 | 2,501,891 | 3,444,973 | 2,501,891 |
| Total Assets | ** |