Indusind Bank Limited, Fundamental analysis

Indusind Bank Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	-65
Equity Latest Equity	779.13
Face Value Latest Face Value	10
Reserves Total Reserve	64519.63
Dividend Full Year Dividend %	15
Sales Turnover Full Year Net Sales	53479.87
Net Profit Full Year Net Profit	889.34
Full Year CPS Full Year Cash Per Share	11.4
Earning Per Share Full Year Earning Per Share	11.4
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	12719.08
Previous EPS Previous earnings per share	0
Book Value Book value	838.1
Networth Full Year Return on Networth	4.04
Price/Book Value Price to Book value	1.209879
Yearly PE ratio Full Year Price to Earning per share	88.8
Yearly PC ratio Full Year Price to Cash Per Share	88.8
Bse value BSE Value in lakhs	218.95
Nse value NSE Value in lakhs	7037.09
High 52 week high	1038
Low 52 week low	711
Price NSE Current market price	1014
CPM Current market price	1014

Market cap BSE / NSE Market Cap	78992.37
Net profit Latest Quarter Net Profit	594.17
Net profit variance Latest Quarter Net Profit variance	126
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	58534.46
TTM OP Trailing Twelve 12 month Operating Profit	38462.94
TTM OPM Trailing Twelve 12 month Operating Profit Margin	65.71
TTM GP Trailing Twelve 12 month Gross Profit	1210.46
TTM GPM Trailing Twelve 12 month Gross Profit Margin	2.26
TTM NP Trailing Twelve 12 month Net Profit	8152.72
TTM NPV Trailing Twelve 12 month Net Profit Variane	-65.45
TTM EPS Trailing Twelve 12 month EPS	11.41
TTM PE Trailing Twelve 12 month PE	88.86
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	779.13
LTP Latest Price (BSE/NSE)	1014
Gross block Latest Gross Block	5618.79
Loans Total loans	410862.27
Advances Latest Advances for Banks	345018.63
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	41.6
Year GPM Full Year Gross Profit Margin	2.3
Quarter OPM Latest quater Operation Profit Margin	58.6

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	12,547	12,686	12,801	10,634	12,264	11,609	11,373	11,005
YOY Sales Growth %	17%	13%	11%	-13%	-2%	-8%	-11%	3%
Gross Sales	12,547	12,686	12,801	10,634	12,264	11,609	11,373	11,005
+ Expenses	4,947	5,753	5,726	6,770	5,989	6,645	6,095	5,272
Manufacturing Cost %	18%	18%	18%	23%	20%	20%	18%	19%
Employee Cost %	13%	13%	13%	16%	15%	14%	17%	16%
Other Cost %	8%	14%	14%	24%	14%	23%	18%	13%
Other Manufacturing Expenses %	18%	18%	18%	23%	20%	20%	18%	19%
Provisions & Contingencies %	8%	14%	14%	24%	14%	23%	18%	13%
Operating Profit	7,599	6,934	7,075	3,864	6,274	4,964	5,278	5,733
OPM %	61%	55%	55%	36%	51%	43%	46%	52%
+ Other Income	2,442	2,185	2,355	709	2,157	1,651	1,707	1,714
Miscellaneous Income	2,442	2,185	2,355	709	2,157	1,651	1,707	1,714
Interest / Discount on Advances or Bills	10,352	10,406	10,493	8,340	9,651	9,194	8,932	8,604
Interest on Investments	1,802	1,857	2,006	1,998	1,894	1,955	2,029	2,033
Interest on Balances with RBI	344	372	249	242	572	390	178	224
Other Interest	48	52	53	54	147	70	234	144
Interest	7,139	7,339	7,573	7,586	7,624	7,199	6,811	6,634
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	2,902	1,780	1,857	-3,013	807	-584	174	813
+ Tax %	25%	25%	24%	23%	25%	25%	26%	27%
Current Tax	731	448	455	-684	203	-147	46	219
+ Net Profit	2,171	1,331	1,402	-2,329	604	-437	128	594
Profit / Loss of Associates	0	0	0	0	0	0	0	0
Net Profit After Minority Interest	2,171	1,331	1,402	-2,329	604	-437	128	594
EPS in Rs	27.89	17.09	18.01	-29.90	7.75	-5.61	1.64	7.63

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	11,872	14,406	17,281	22,261	28,783	29,000	30,822	36,368	45,748	48,668
Sales Growth %		21%	20%	29%	29%	1%	6%	18%	26%	6%
Gross Sales	11,728	14,406	17,281	22,261	28,783	29,000	30,822	36,368	45,748	48,668
+ Expenses	4,488	5,874	6,767	9,513	12,835	16,099	15,913	15,833	18,032	23,196
Manufacturing Cost %	2%	2%	2%	2%	1%	1%	1%	1%	1%	1%
Employee Cost %	10%	11%	10%	8%	10%	10%	11%	11%	12%	12%
Other Cost %	26%	28%	27%	33%	33%	44%	39%	31%	27%	34%
Other Manufacturing Expenses %	2%	2%	2%	2%	1%	1%	1%	1%	1%	1%
Selling & Administration %	5%	8%	5%	4%	4%	4%	4%	4%	4%	4%
Miscellaneous Expenses %	18%	19%	21%	28%	28%	39%	34%	25%	22%	29%
Provisions & Contingencies %	6%	8%	7%	14%	16%	27%	21%	12%	8%	15%
Operating Profit	7,384	8,531	10,514	12,748	15,948	12,900	14,910	20,535	27,716	25,472
OPM %	62%	59%	61%	57%	55%	44%	48%	56%	61%	52%
+ Other Income	3,297	4,171	4,750	5,647	6,953	6,501	7,345	8,173	9,396	7,690
Miscellaneous Income	3,297	4,171	4,750	5,647	6,953	6,501	7,345	8,173	9,396	7,690
Interest / Discount on Advances or Bills	9,245	11,479	13,700	18,257	24,008	24,085	25,143	29,945	38,119	39,591
Interest on Investments	1,926	2,467	3,074	3,677	4,282	3,846	4,053	4,692	6,202	7,663
Interest on Balances with RBI	411	331	321	102	192	677	1,288	1,442	1,157	1,207
Other Interest	147	129	185	225	300	391	338	289	270	207
Interest	7,355	8,343	9,783	13,415	16,724	15,472	15,822	18,776	25,132	29,636
Depreciation	157	191	212	229	291	328	352	407	463	532
Profit before tax	3,469	4,360	5,481	4,980	6,177	3,929	6,433	9,932	11,979	3,526
+ Tax %	34%	34%	34%	34%	28%	25%	25%	25%	25%	27%
Current Tax	1,183	1,492	1,900	1,973	1,998	1,704	1,840	2,362	2,632	1,504
Deferred Tax	0	0	-25	-293	-280	-704	-212	127	371	-554
+ Net Profit	2,287	2,868	3,606	3,301	4,458	2,930	4,805	7,444	8,977	2,576
Profit Growth %		25%	26%	-8%	35%	-34%	64%	55%	21%	-71%
Profit / Loss of Associates	0	0	0	0	0	0	0	0	0	0
Net Profit After Minority Interest	2,287	2,868	3,606	3,301	4,458	2,930	4,805	7,444	8,977	2,576
EPS in Rs	38.43	47.95	60.08	54.76	64.28	37.88	62.02	95.93	115.34	33.06

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	595	598	600	603	694	773	775	776	778	779
Reserves	17,088	20,034	23,228	26,073	33,371	42,722	47,236	54,184	62,326	63,914
+ Borrowings	117,996	149,026	189,928	242,189	262,781	307,193	340,673	385,131	432,197	464,566
Secured Borrowings	24,996	21,454	38,289	47,321	60,754	51,323	47,323	49,011	47,611	53,704
Unsecured Borrowings	93,000	127,572	151,639	194,868	202,027	255,870	293,349	336,120	384,586	410,862
Deferred Credit	1,955	3,586	12,057	19,647	21,393	11,232	15,883	15,268	19,511	18,094
+ Other Liabilities	7,219	8,992	7,871	8,956	10,383	12,215	13,284	17,745	19,793	24,848
Current Liabilities	7,376	9,188	8,126	9,306	9,990	12,565	13,633	18,100	20,581	25,915
Provisions	322	0	0	0	0	0	0	0	0	0
Equity Application Money	14	15	15	11	683	5	16	44	104	143
Total Liabilities	142,898	178,650	221,628	277,821	307,229	362,903	401,967	457,837	515,094	554,107
+ Fixed Assets	1,218	1,307	1,313	1,688	1,792	1,801	1,834	1,944	2,127	2,309
Gross Block	2,056	2,322	2,521	3,097	3,477	3,778	4,112	4,523	5,024	5,619
Accumulated Depreciation	838	1,015	1,207	1,408	1,685	1,978	2,278	2,579	2,897	3,310
CWIP	37	28	25	22	79	75	95	135	197	188
Investments	34,056	36,704	50,078	59,268	59,938	69,653	70,930	83,076	106,486	114,457
+ Other Assets	107,587	140,611	170,211	216,843	245,419	291,374	329,109	372,682	406,283	437,154
Cash Equivalents	10,112	18,628	13,216	14,783	16,054	56,610	68,585	56,777	36,907	59,375
Loans n Advances	97,646	122,194	157,264	202,420	229,655	235,120	260,889	316,305	370,267	378,987
Other asset items	-171	-211	-270	-361	-290	-356	-365	-399	-891	-1,209
Total Assets	142,898	178,650	221,628	277,821	307,229	362,903	401,967	457,837	515,094	554,107

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	-2,927	11,569	-20,700	-6,389	-12,907	44,976	16,672	-12,442	-16,925	18,278
Profit from Operations	4,330	5,721	7,040	8,613	11,587	12,438	13,839	15,340	16,684	7,471
Working Capital Changes	-5,908	7,733	-25,765	-12,677	-22,355	33,371	5,020	-26,587	-30,437	13,755
Profit Before Tax & Extraordinary Items	3,469	4,360	5,481	4,980	6,177	3,929	6,433	9,932	11,979	3,526
Depreciation	157	191	212	229	291	328	352	407	463	532
Profit / Loss on Sale of Assets	-7	-3	-8	1	9	-1	1	3	3	-2
Provisions & Write-offs (Net)	711	1,173	1,356	3,402	5,110	8,182	7,053	4,998	4,238	3,415
Loans & Advances	-20,274	-25,721	-32,928	-44,374	-20,846	-13,146	-32,755	-55,058	-56,710	-4,753
Change in Deposits	18,866	33,572	25,067	43,229	7,312	53,843	37,479	42,771	48,465	26,277
Direct Taxes Paid	-1,349	-1,885	-1,975	-2,324	-2,139	-833	-2,188	-1,196	-3,171	-2,949
+ Cash from Investing Activity	-258	-285	-217	-633	1,445	-324	-395	-481	-703	-685
Purchase of Fixed Assets	-269	-287	-236	-643	-420	-341	-414	-571	-730	-731
Sale of Fixed Assets	12	14	16	6	4	10	8	11	19	22
Others	0	-11	3	5	1,862	7	11	80	8	23
+ Cash from Financing Activity	2,517	-2,768	15,505	8,590	12,733	-4,096	-4,302	1,115	-2,242	4,876
Proceeds from Issue of Shares	5,125	97	102	101	61	5,335	84	86	245	68
Proceeds from Issue of Debentures	0	1,500	0	0	0	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	0	0	0	9,032	12,625	0	2,800	2,688	90	6,092
Redemption of Debentures	0	0	0	0	0	0	-500	0	0	0
Repayment of Long-Term Borrowings	0	0	0	0	0	-9,431	-6,300	-1,000	-1,490	0
Dividend Paid	-285	-323	-432	-543	-627	0	-387	-659	-1,086	-1,285
Others	-2,323	-4,042	15,835	0	674	0	0	0	0	0
Net Cash Flow	-667	8,516	-5,412	1,568	1,271	40,556	11,975	-11,808	-19,869	22,468