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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
18-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
06-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second 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 |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
18-10-2025
11:54:00 |
| End date and time of board meeting |
18-10-2025 14:40:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Not applicable |
Financial Results - Banking
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
9,19,362.00 |
18,84,418.00 |
|
Income on investments |
1,95,453.00 |
3,84,890.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
39,038.00 |
96,268.00 |
|
Others |
7,010.00 |
21,675.00 |
|
Total interest earned |
11,60,863.00 |
23,87,251.00 |
| 2 |
Other income |
1,65,128.00 |
3,80,820.00 |
| 3 |
Total income |
13,25,991.00 |
27,68,071.00 |
|
Expenses
|
| 4 |
Interest expenses |
7,19,926.00 |
14,82,332.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,66,411.00 |
3,46,938.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other operating expense |
2,34,920.00 |
4,77,335.00 |
|
Total other operating Expenses |
2,34,920.00 |
4,77,335.00 |
|
Total Operating Expenses |
4,01,331.00 |
8,24,273.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 11,21,257.00 |
23,06,605.00 |
| 7 |
Operating profit before provision and contingencies |
2,04,734.00 |
4,61,466.00 |
| 8 |
Provisions other than tax and contingencies |
2,63,119.00 |
4,39,118.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| (58,385.00) |
22,348.00 |
| 11 |
Provision for Tax |
(14,691.00) |
5,637.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
(43,694.00) |
16,711.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
(43,694.00) |
16,711.00 |
| 15 |
Share of profit (loss) of associates
| 6.00 |
8.00 |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| (43,688.00) |
16,719.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 77,908.00 |
77,908.00 |
|
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 |
15.8800 |
15.8800 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| -5.61 |
2.15 |
|
Diluted earnings per share before extraordinary items
| -5.61 |
2.15 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| -5.61 |
2.15 |
|
Diluted earnings per share after extraordinary items
| -5.61 |
2.15 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 12,05,775.00 |
12,05,775.00 |
|
Amount of net non-performing assets
| 3,39,937.00 |
3,39,937.00 |
|
% of gross NPAs |
3.600 |
3.600 |
|
% of net NPAs
| 1.0400 |
1.0400 |
|
Return on assets
| -0.3300 |
0.0600 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
77,908.00 |
|
Reserves and surplus |
64,27,919.00 |
|
Deposits |
3,89,60,008.00 |
|
Borrowings |
45,35,030.00 |
|
| Other liabilities and provisions |
27,48,111.00 |
|
Total Capital Liabilities |
5,27,48,976.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
25,58,460.00 |
|
| Balances with Banks and money at call and short notice
| 14,19,326.00 |
|
Investments |
1,24,00,751.00 |
|
Advances |
3,25,88,067.00 |
|
Fixed Assets |
25778100000 |
|
Other Assets |
35,24,591.00 |
|
Total Assets |
5,27,48,976.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| 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 |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| 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 |
Treasury Operations |
2,38,623.00 |
5,43,965.00 |
| 2 |
Corporate / Wholesale Banking |
2,57,645.00 |
5,38,680.00 |
| 3 |
Retail Banking |
9,24,715.00 |
18,73,520.00 |
| 4 |
Other Banking Business |
1,233.00 |
1,609.00 |
|
| Total Segment Revenue
| 14,22,216.00 |
29,57,774.00 |
|
Less: Inter segment revenue |
96,225.00 |
1,89,703.00 |
|
Income from operations |
13,25,991.00 |
27,68,071.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
37,170.00 |
1,48,886.00 |
| 2 |
Corporate / Wholesale Banking |
43,230.00 |
83,474.00 |
| 3 |
Retail Banking |
1,38,498.00 |
2,56,845.00 |
| 4 |
Other Banking Business |
194.00 |
249.00 |
|
Total Profit before tax |
2,19,092.00 |
4,89,454.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
14,358.00 |
27,988.00 |
|
Profit before tax |
2,04,734.00 |
4,61,466.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
1,45,64,696.00 |
1,45,64,696.00 |
| 2 |
Corporate / Wholesale Banking |
1,23,45,668.00 |
1,23,45,668.00 |
| 3 |
Retail Banking |
2,32,56,573.00 |
2,32,56,573.00 |
| 4 |
Other Banking Business |
0.00 |
0.00 |
|
Total Segment Assets |
5,01,66,937.00 |
5,01,66,937.00 |
|
Un-allocable Assets |
25,82,038.00 |
25,82,038.00 |
|
Net Segment Assets |
5,27,48,975.00 |
5,27,48,975.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
45,95,198.00 |
45,95,198.00 |
| 2 |
Corporate / Wholesale Banking |
1,17,58,872.00 |
1,17,58,872.00 |
| 3 |
Retail Banking |
2,76,72,240.00 |
2,76,72,240.00 |
| 4 |
Other Banking Business |
0.00 |
0.00 |
| |
Total Segment Liabilities |
4,40,26,310.00 |
4,40,26,310.00 |
| |
Un-allocable Liabilities |
87,22,665.00 |
87,22,665.00 |
|
Net Segment Liabilities |
5,27,48,975.00 |
5,27,48,975.00 |
|
Disclosure of notes on segments |
Consolidated Segment Reporting Quarter Ended 30.09.2025 6 Months ended 30.09.2025 Operating Profit 204734 461466 Less: Provisions & Contingencies 263119 439118 Net Profit before tax -58385 22348 Less: Taxes including Deferred Taxes -14691 5637 Extraordinary Profit / Loss 0 0 Net Profit before share of associate -43694 16711 Add: Share of profit/loss of associate 6 8 Net Profit -43688 16719 As on 30.09.2025 Total Segment Liabilities 44026310 Unallocated Liabilities 2216840 Capital & Other Reserves 6505825 Total Liabilities 52748975 |
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
22,348.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
27,988.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
0.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
1,245.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
40,382.00 |
|
Other adjustments to reconcile profit (loss) |
4,09,639.00 |
|
Other adjustments for non-cash items |
0.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
8.00
|
|
Total adjustments to profit (loss) |
4,79,262.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
(9,94,860.00) |
|
Adjustments for decrease (increase) in trade receivables |
15,04,240.00 |
|
Adjustments for decrease (increase) in other current assets |
(2,30,809.00) |
|
Adjustments for increase (decrease) in trade payables |
(21,26,219.00) |
|
Adjustments for increase (decrease) in other current liabilities |
2,77,552.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(15,70,096.00)
|
|
Total adjustments for reconcile profit (loss) |
(10,90,834.00) |
|
Net cash flows from (used in) operations |
(10,68,486.00) |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
23,429.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(10,91,915.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(10,91,915.00) |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
967.00 |
|
Purchase of tangible assets |
37,182.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(36,215.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(36,215.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
111.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
0.00 |
|
Repayments of borrowings |
8,35,325.00 |
|
Dividends paid |
0.00 |
|
Interest paid |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
(8,35,214.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(8,35,214.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(19,63,344.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
3,581.00 |
|
Net increase (decrease) in cash and cash equivalents |
(19,59,763.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
59,37,549.00 |
|
Cash and cash equivalents cash flow statement at end of period |
39,77,786.00 |