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 Standalone
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
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


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 Standalone Standalone
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 21562400000 21562400000
3 Total income 144201200000 144201200000
Expenses
4 Interest expenses 76240600000 76240600000
5 Operating expenses
(i) Employees cost 12957700000 12957700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 28481300000 28481300000
Total other operating Expenses 28481300000 28481300000
Total Operating Expenses 41439000000 41439000000
6 Total expenditure excluding provisions and contingencies 117679600000 117679600000
7 Operating profit before provision and contingencies 26521600000 26521600000
8 Provisions other than tax and contingencies 17377800000 17377800000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 9143800000 9143800000
11 Provision for Tax 2301300000 2301300000
12 Net profit (loss) from ordinary activities after tax 6842500000 6842500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 6842500000 6842500000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 6842500000 6842500000
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 8.78 8.78
Diluted earnings per share before extraordinary items 8.78 8.78
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 8.78 8.78
Diluted earnings per share after extraordinary items 8.78 8.78
(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 0.51 0.51
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 Standalone Standalone
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 94873700000 94873700000
4 iv) Other Banking Business 37600000 37600000
Total Segment Revenue 153549000000 153549000000
Less: Inter segment revenue 9347800000
Income from operations 144201200000 144201200000
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 12557000000 12557000000
4 iv) Other Banking Business 5500000 5500000
Total Profit before tax 27758500000 27758500000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 1236900000
Profit before tax 26521600000 26521600000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 i) Treasury Operations 1334709700000 1334709700000
2 ii) Corporate / Wholesale Banking 1317447500000 1317447500000
3 iii) Retail Banking 2502687300000 2502687300000
4 iv) Other Banking Business 0 0
5 i) Treasury Operations 1334709700000 1334709700000
6 ii) Corporate / Wholesale Banking 1317447500000 1317447500000
7 iii) Retail Banking 2502687300000 2502687300000
8 iv) Other Banking Business 0 0
Total Segment Assets 5154844500000 5154844500000
Un-allocable Assets 239325500000 239325500000
Net Segment Assets 5394170000000 5394170000000
4 Segment Liabilities
Segment Liabilities
1 i) Treasury Operations 527089900000 527089900000
2 ii) Corporate / Wholesale Banking 1225533200000 1225533200000
3 iii) Retail Banking 2779940100000 2779940100000
4 iv) Other Banking Business 0 0
5 i) Treasury Operations 527089900000 527089900000
6 ii) Corporate / Wholesale Banking 1225533200000 1225533200000
7 iii) Retail Banking 2779940100000 2779940100000
8 iv) Other Banking Business 0 0
Total Segment Liabilities 4532563200000 4532563200000
Un-allocable Liabilities 209084800000 209084800000
Net Segment Liabilities 4741648000000 4741648000000
Disclosure of notes on segments Standalone Segment Reporting Quarter Ended 30.06.2025 Operating Profit 265216 Less: Provisions & Contingencies 173778 Net Profit before tax 91438 Less: Taxes including Deferred Taxes 23013 Extraordinary Profit / Loss 0 Net Profit 68425 As on 30.06.2025 Total Segment Liabilities 45325632 Unallocated Liabilities 2090848 Capital & Other Reserves 6525220 Total Liabilities 53941700






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
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


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 0