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Total income rose 12.07% year-on-year (YoY) to Rs 12,711.77 crore in the quarter ended 31 March 2026.
The bank posted a profit before tax (PBT) of Rs 730.95 crore in Q4 FY26, against a pre-tax loss of Rs 2,889.08 crore in Q4 FY25.
The Bank’s financial results include the financial results of its wholly owned subsidiary, Bharat Financial Inclusion Limited (BFIL), a business correspondent (BC) of the Bank involved in originating small ticket loans for the Bank and IndusInd Marketing and Financial Services Private Limited (IMFS), an associate of the Bank.
On a consolidated basis, net profit stood at Rs 594.17 crore in Q4 FY26, compared with a net loss of Rs 2,328.87 crore in Q4 FY25.
Total income rose 12.13% YoY to Rs 12,719.08 crore in the quarter ended 31 March 2026.
Pre-provision operating profit (PPOP) came in at Rs 2,295 crore for the quarter, compared with a loss of Rs 491 crore in the year-ago period.
Net interest income (NII) rose 43.40% YoY to Rs 4,371 crore, while net interest margin (NIM) stood at 3.39% in Q4 FY26, compared with 3.52% in Q3 FY26 and 2.25% in Q4 FY25.
The bank’s deposits declined 2.66% to Rs 3,99,931 crore in Q4 FY26, compared with Rs 4,10,862 crore in Q4 FY25. CASA deposits stood at Rs 1,24,933 crore, including current account deposits of Rs 35,034 crore and savings account deposits of Rs 89,899 crore. CASA deposits comprised 31.24% of total deposits as of 31 March 2026. Retail deposits, as per LCR, stood at Rs 1,82,896 crore as of 31 March 2026, compared with Rs 1,86,503 crore as of 31 March 2025.
Advances as of 31 March 2026 were Rs 3,15,871 crores, recording de-growth of 8.44% as against Rs 345,019 crores as of 31 March 2025.
Asset quality saw a marginal deterioration, with gross non-performing assets (NPAs) at 3.43% as of 31 March 2026, compared with 3.13% a year earlier. Net NPAs stood at 1%, up from 0.95% in the previous year.
The Provision Coverage Ratio was improved to 71% as at 31 March 2026 compared to 70% recorded as of 31 March 2025. Provisions and contingencies (other than tax) for the year ended 31 March 2026 were Rs 7,969 crore, up 11.67% compared to Rs 7,136 crore for the corresponding quarter of the previous year.
The bank’s total capital adequacy ratio (CAR) under Basel III guidelines stood at 17.48% as of 31 March 2026, compared with 16.24% as of 31 March 2025. Tier 1 capital adequacy ratio (CRAR) stood at 16.20% as of 31 March 2026, compared with 15.10% a year earlier. Risk-weighted assets stood at Rs 3,93,543 crore, compared with Rs 4,19,535 crore a year ago.
As of 31 March 2026, the bank’s distribution network included 3,136 branches and banking outlets, along with 2,870 onsite and offsite ATMs, compared with 3,081 branches and banking outlets and 3,027 ATMs as of 31 March 2025. The client base stood at approximately 42 million as of 31 March 2026.
Rajiv Anand, the MD and CEO of IndusInd Bank, said, “At IndusInd Bank, we are seeing improved growth momentum across businesses, supported by focused execution and strengthening fundamentals. In our microfinance portfolio, lower slippages during the quarter have contributed to better asset quality. We believe this reflects stronger underlying discipline and is not a one-off improvement. Our focus remains on sustaining this through prudent underwriting, calibrated risk management and consistent execution.
In Q4 FY26, the Bank delivered steady operating performance, with pre-provision operating profit at Rs. 2,295 crores, up 1% QoQ, and profit after tax at Rs 594 crores. The balance sheet remains well supported, with capital adequacy of 17.48% and strong liquidity. While geopolitical uncertainties persist, India’s growth outlook remains stable, and we remain focused on participating in this growth in a prudent and sustainable manner.'
The bank’s board has recommended a final dividend of Rs 1.50 per equity share (15% on a face value of Rs 10) for FY26, subject to shareholder approval at the upcoming annual general meeting. The record date has been fixed as 26 June 2026.
Indusind Bank offers a wide range of products and services for individuals and corporates, including microfinance, personal loans, personal and commercial vehicle loans, credit cards and SME loans.
For the full year,net profit declined 65.47% to Rs 889.34 crore in the year ended March 2026 as against Rs 2575.54 crore during the previous year ended March 2025. Total Operating Income declined 4.97% to Rs 46250.81 crore in the year ended March 2026 as against Rs 48667.66 crore during the previous year ended March 2025.
Net advances declined 8.7% YoY to Rs 3,15,154 crore as of 31 March 2026. The CASA ratio stood at 31.3% as of 31 March 2026, compared with 32.8% as of 31 March 2025.
IndusInd Bank offers a wide range of products and services for individuals and corporates, including microfinance, personal loans, personal and commercial vehicle loans, credit cards, and SME loans.
The bank reported an 88.5% decline in standalone net profit to Rs 161.16 crore on a 13.67% fall in total income to Rs 13,079.39 crore in Q3 FY26 over Q3 FY25.
The counter shed 0.98% to Rs 771.55 on the BSE.
IndusInd Bank has announced a significant expansion of its Gold Loan offering to an additional 245 branches, taking the total number of branches providing Gold Loan services to 500 across India. This expansion reinforces the Bank's commitment to making secured credit more accessible, convenient, and reliable for customers nationwide.
Gold Loans continue to witness strong demand from a wide range of customer segments—including households, small traders, and Agri-linked customers - who rely on quick liquidity against their gold holdings. With its expanded network, IndusInd Bank will enable customers to avail swift and instant credit disbursal of up to Rs 1 crore, backed by minimal documentation, competitive interest rates, and flexible tenure options, ensuring a seamless borrowing experience across urban and rural markets.
Further, to enhance customer journey, the branches will house dedicated Gold Loan Desks for personalized service while all gold collateral will be kept under the Bank's custody, ensuring the highest standards of safety.
One 97 Communications Ltd, Cochin Shipyard Ltd, Wipro Ltd, Newgen Software Technologies Ltd are among the other stocks to see a surge in volumes on BSE today, 17 February 2026.
IndusInd Bank Ltd witnessed volume of 18.83 lakh shares by 10:46 IST on BSE, a 39.18 times surge over two-week average daily volume of 48057 shares. The stock increased 1.73% to Rs.948.00. Volumes stood at 31946 shares in the last session.
One 97 Communications Ltd notched up volume of 5.71 lakh shares by 10:46 IST on BSE, a 5.51 fold spurt over two-week average daily volume of 1.04 lakh shares. The stock rose 2.47% to Rs.1,150.65. Volumes stood at 95957 shares in the last session.
Cochin Shipyard Ltd registered volume of 2.64 lakh shares by 10:46 IST on BSE, a 5.15 fold spurt over two-week average daily volume of 51222 shares. The stock rose 4.28% to Rs.1,531.05. Volumes stood at 59047 shares in the last session.
Wipro Ltd notched up volume of 39.59 lakh shares by 10:46 IST on BSE, a 4.72 fold spurt over two-week average daily volume of 8.38 lakh shares. The stock rose 1.24% to Rs.215.95. Volumes stood at 7.8 lakh shares in the last session.
Newgen Software Technologies Ltd witnessed volume of 4.82 lakh shares by 10:46 IST on BSE, a 4.64 times surge over two-week average daily volume of 1.04 lakh shares. The stock increased 10.64% to Rs.512.00. Volumes stood at 1.38 lakh shares in the last session.
IndusInd Bank Ltd is up for a third straight session today. The stock is quoting at Rs 943.8, up 1.28% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.23% on the day, quoting at 25741. The Sensex is at 83526.16, up 0.3%. IndusInd Bank Ltd has slipped around 0.63% in last one month.
Meanwhile, Nifty Bank index of which IndusInd Bank Ltd is a constituent, has slipped around 2.12% in last one month and is currently quoting at 60949.1, up 0.34% on the day. The volume in the stock stood at 42.54 lakh shares today, compared to the daily average of 41.34 lakh shares in last one month.
The benchmark February futures contract for the stock is quoting at Rs 940.95, up 1.03% on the day. IndusInd Bank Ltd is down 7.84% in last one year as compared to a 12.18% jump in NIFTY and a 24.59% jump in the Nifty Bank index.
The PE of the stock is 0 based on TTM earnings ending December 25.
The Bank has appointed Arijit Basu (DIN: 06907779) is the Part-Time Chairman of the Bank with effect from 31 January 2026.