IndusInd Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

11,372.88

11,608.63

12,263.88

10,633.85

12,800.77

12,686.28

12,546.77

Income On Investments

2,028.70

1,954.53

1,894.37

1,997.96

2,005.73

1,857.03

1,802.31

Interest On Balances With Rbi Other Inter Bank Funds

177.86

390.38

572.30

242.25

248.50

371.57

344.29

Interest / Discount On Advances / Bills

8,932.32

9,193.62

9,650.56

8,339.82

10,493.24

10,406.12

10,351.97

Others

234.00

70.10

146.65

53.82

53.30

51.56

48.20

Other Income

1,706.51

1,647.96

2,156.24

708.80

2,350.24

2,183.90

2,441.25

Total Income

13,079.39

13,256.59

14,420.12

11,342.65

15,151.01

14,870.18

14,988.02

Interest Expended

6,811.23

7,199.26

7,624.06

7,585.51

7,572.68

7,339.02

7,139.14

Net Interest Income

4,561.65

4,409.37

4,639.82

3,048.34

5,228.09

5,347.26

5,407.63

Total Expenditure (Excl Depreciation)

3,961.40

4,029.33

4,143.90

4,229.65

3,979.42

3,939.39

3,922.19

Employee Cost

1,517.88

1,267.14

1,295.77

1,228.72

1,202.09

1,092.68

1,161.63

Other Operating Expenses

2,443.52

2,762.19

2,848.13

3,000.93

2,777.33

2,846.71

2,760.56

Operating Profit Before Provisions and Contingencies

2,306.76

2,028.00

2,652.16

-472.51

3,598.91

3,591.77

3,926.69

Exceptional Items

0.00

Provisions and contingencies

2,088.60

2,622.38

1,737.78

2,416.57

1,743.63

1,820.10

1,049.84

Profit Before Tax

218.16

-594.38

914.38

-2,889.08

1,855.28

1,771.67

2,876.85

Tax

57.00

-149.59

230.13

-653.09

454.00

446.22

724.69

Profit After Tax

161.16

-444.79

684.25

-2,235.99

1,401.28

1,325.45

2,152.16

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

161.16

-444.79

684.25

-2,235.99

1,401.28

1,325.45

2,152.16

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

2.07

-5.71

8.78

-28.7

17.99

17.01

27.64

Diluted Earnings per share

2.0

-5.71

8.78

-28.7

17.99

17.0

27.61

Operating Profit Margin (Excl OI)

46.8%

42.7%

52.04%

37.5%

55.29%

54.6%

60.37%

Gross Profit Margin

1.92%

-5.12%

7.46%

-27.17%

14.49%

13.97%

22.93%

PAT Margin

1.42%

-3.83%

5.58%

-21.03%

10.95%

10.45%

17.15%

Net Interest Margin

0.0%

Return on Assets

0.0%

CASA (%)

0.0%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

16.94%

17.1%

16.63%

16.24%

16.46%

16.51%

17.55%

Capital Adequacy Ratio (Tier 1)

15.74%

15.88%

15.48%

15.1%

15.18%

15.21%

16.15%

Provision Coverage Ratio (%)

0.0%

Amount of Gross NPAs

11,604.62

12,057.75

12,480.56

11,046.39

8,375.29

7,638.52

7,126.80

Amount of Net NPAs

3,303.97

3,399.37

3,721.52

3,287.14

2,495.76

2,282.01

2,095.47

% of Net NPAs

1.04%

1.12%

0.95%

0.68%

0.64%

0.6%

% of Gross NPAs

3.56%

3.6%

3.64%

3.13%

2.25%

2.11%

2.02%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

Number of Branches

0.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2025 is -11.15% vs 10.62% in Dec 2024

Net Profit

YoY Growth in quarter ended Dec 2025 is -88.50% vs -39.02% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2025 is -35.90% vs -10.08% in Dec 2024

% of Net NPAs

YoY Growth in quarter ended Dec 2025 is 0.36% vs 0.11% in Dec 2024

% of Gross NPAs

YoY Growth in quarter ended Dec 2025 is 1.31% vs 0.33% in Dec 2024

Compare Quarterly Results Of IndusInd Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

11,372.88

6,867.50

4,505.38

65.6%

Income On Investments

2,028.70

1,212.83

815.87

67.27%

Interest On Balances With Rbi Other Inter Bank Funds

177.86

93.72

84.14

89.78%

Interest / Discount On Advances / Bills

8,932.32

5,474.07

3,458.25

63.18%

Others

234.00

86.88

147.12

169.34%

Other Income

1,706.51

1,100.29

606.22

55.1%

Total Income

13,079.39

7,967.79

5,111.60

64.15%

Interest Expended

6,811.23

4,214.77

2,596.46

61.6%

Net Interest Income

4,561.65

2,652.73

1,908.92

71.96%

Total Expenditure (Excl Depreciation)

3,961.40

2,023.69

1,937.71

95.75%

Employee Cost

1,517.88

848.65

669.23

78.86%

Other Operating Expenses

2,443.52

1,175.04

1,268.48

107.95%

Operating Profit Before Provisions and Contingencies

2,306.76

1,729.33

577.43

33.39%

Exceptional Items

0.00

Provisions and contingencies

2,088.60

332.38

1,756.22

528.38%

Profit Before Tax

218.16

1,396.95

-1,178.79

-84.38%

Tax

57.00

355.74

-298.74

-83.98%

Profit After Tax

161.16

1,041.21

-880.05

-84.52%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

161.16

1,041.21

-880.05

-84.52%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

2.07

4.23

-2.16

-51.06%

Diluted Earnings per share

2.00

4.19

-2.19

-52.27%

Operating Profit Margin (Excl OI)

46.80%

65.69%

0.00

-18.89%

Gross Profit Margin

1.92%

20.34%

0.00

-18.42%

PAT Margin

1.42%

15.16%

0.00

-13.74%

Net Interest Margin

0.00%

3.18%

-3.18

-3.18%

Return on Assets

0.00%

0.29%

-0.29

-0.29%

CASA (%)

0.00%

32.07%

-32.07

-32.07%

CASA Amount

0.00

95,498.00

-95,498.00

-100.0%

Capital Adequacy Ratio (Total)

16.94%

15.20%

1.74

1.74%

Capital Adequacy Ratio (Tier 1)

15.74%

13.88%

1.86

1.86%

Provision Coverage Ratio (%)

0.00%

75.14%

-75.14

-75.14%

Amount of Gross NPAs

11,604.62

4,446.86

7,157.76

160.96%

Amount of Net NPAs

3,303.97

1,068.04

2,235.93

209.35%

% of Net NPAs

1.04%

0.42%

0.62

0.62%

% of Gross NPAs

3.56%

1.72%

1.84

1.84%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

2,094.00

-2,094.00

-100.0%

Number of Branches

0.00

1,601.00

-1,601.00

-100.0%

Quarterly - Interest Earned

Interest Earned 11372.88 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -2.03% vs -5.34% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -11.15% vs 10.62% in Dec 2024

Quarterly - Net Profit

Net Profit 161.16 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 136.23% vs -165.00% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -88.50% vs -39.02% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,306.76 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 13.75% vs -23.53% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -35.90% vs -10.08% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.04%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is 0.00% vs -0.08% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 0.36% vs 0.11% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.56%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.04% vs -0.04% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 1.31% vs 0.33% in Dec 2024