INTEGRATED FILING — BANKING



General information about company

Scrip code 532187
NSE Symbol INDUSINDBK
MSEI Symbol NOTLISTED
ISIN INE095A01012
Name of bank INDUSIND BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 28-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 18-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 28-Jul-2025   14:10:00
End date and time of board meeting 28-Jul-2025   16:22:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 96505600000 96505600000
Income on investments 18943700000 18943700000
Interest on balances with reserve bank of India and other inter bank funds 5723000000 5723000000
Others 1466500000 1466500000
Total interest earned 122638800000 122638800000
2 Other income 21569200000 21569200000
3 Total income 144208000000 144208000000
Expenses
4 Interest expenses 76240600000 76240600000
5 Operating expenses
(i) Employees cost 18052700000 18052700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 24241500000 24241500000
Total other operating Expenses 24241500000 24241500000
Total Operating Expenses 42294200000 42294200000
6 Total expenditure excluding provisions and contingencies 118534800000 118534800000
7 Operating profit before provision and contingencies 25673200000 25673200000
8 Provisions other than tax and contingencies 17599900000 17599900000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 8073300000 8073300000
11 Provision for Tax 2032800000 2032800000
12 Net profit (loss) from ordinary activities after tax 6040500000 6040500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 6040500000 6040500000
15 Share of profit (loss) of associates 200000 200000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 6040700000 6040700000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7790600000 7790600000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 15.48 15.48
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 7.75 7.75
Diluted earnings per share before extraordinary items 7.75 7.75
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 7.75 7.75
Diluted earnings per share after extraordinary items 7.75 7.75
(iv) NPA Ratios
Amount of gross non-performing assets 124805600000 124805600000
Amount of net non-performing assets 37215200000 37215200000
% of gross NPAs 3.64 3.64
% of net NPAs 1.12 1.12
Return on assets 0.45 0.45
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 i) Treasury Operations 30534200000 30534200000
2 ii) Corporate / Wholesale Banking 28103500000 28103500000
3 iii) Retail Banking 94880500000 94880500000
4 iv) Other Banking Business 37600000 37600000
Total Segment Revenue 153555800000 153555800000
Less: Inter segment revenue 9347800000
Income from operations 144208000000 144208000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 i) Treasury Operations 11171600000 11171600000
2 ii) Corporate / Wholesale Banking 4024400000 4024400000
3 iii) Retail Banking 11834700000 11834700000
4 iv) Other Banking Business 5500000 5500000
Total Profit before tax 27036200000 27036200000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 1363000000
Profit before tax 25673200000 25673200000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 i) Treasury Operations 1334309100000 1334309100000
2 ii) Corporate / Wholesale Banking 1317447500000 1317447500000
3 iii) Retail Banking 2504440300000 2504440300000
4 iv) Other Banking Business 0 0
5 i) Treasury Operations 1334309100000 1334309100000
6 ii) Corporate / Wholesale Banking 1317447500000 1317447500000
7 iii) Retail Banking 2504440300000 2504440300000
8 iv) Other Banking Business 0 0
Total Segment Assets 5156196900000 5156196900000
Un-allocable Assets 239325500000 239325500000
Net Segment Assets 5395522400000 5395522400000
4 Segment Liabilities
Segment Liabilities
1 i) Treasury Operations 527089900000 527089900000
2 ii) Corporate / Wholesale Banking 1225533100000 1225533100000
3 iii) Retail Banking 2778663300000 2778663300000
4 iv) Other Banking Business 0 0
5 i) Treasury Operations 527089900000 527089900000
6 ii) Corporate / Wholesale Banking 1225533100000 1225533100000
7 iii) Retail Banking 2778663300000 2778663300000
8 iv) Other Banking Business 0 0
Total Segment Liabilities 4531286300000 4531286300000
Un-allocable Liabilities 209084800000 209084800000
Net Segment Liabilities 4740371100000 4740371100000
Disclosure of notes on segments Consolidated Segment Reporting Quarter Ended 30.06.2025 Operating Profit 256732 Less: Provisions & Contingencies 175999 Net Profit before tax 80733 Less: Taxes including Deferred Taxes 20328 Extraordinary Profit / Loss 0 Net Profit before share of associate 60405 Add: Share of profit/loss of associate 2 Net Profit 60407 As on 30.06.2025 Total Segment Liabilities 45312863 Unallocated Liabilities 2090848 Capital & Other Reserves 6551513 Total Liabilities 53955224






Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M S K A & Associates Yes 31-Jul-2027
2 Chokshi & Chokshi Yes 31-Mar-2028