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 |
24-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
08-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
24-04-2026
14:10:00 |
| End date and time of board meeting |
24-04-2026 16:10:00
|
| 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 |
Declaration of unmodified opinion |
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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
8,60,395.00 |
36,38,045.00 |
|
Income on investments |
2,03,279.00 |
7,91,039.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
22,439.00 |
1,36,493.00 |
|
Others |
14,429.00 |
59,504.00 |
|
Total interest earned |
11,00,542.00 |
46,25,081.00 |
| 2 |
Other income |
1,71,366.00 |
7,22,906.00 |
| 3 |
Total income |
12,71,908.00 |
53,47,987.00 |
|
Expenses
|
| 4 |
Interest expenses |
6,63,394.00 |
28,26,849.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
1,71,695.00 |
7,09,122.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
2,07,293.00 |
8,94,062.00 |
|
Total other operating Expenses |
2,07,293.00 |
8,94,062.00 |
|
Total Operating Expenses |
3,78,988.00 |
16,03,184.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 10,42,382.00 |
44,30,033.00 |
| 7 |
Operating profit before provision and contingencies |
2,29,526.00 |
9,17,954.00 |
| 8 |
Provisions other than tax and contingencies |
1,48,213.00 |
7,96,908.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 81,313.00 |
1,21,046.00 |
| 11 |
Provision for Tax |
21,899.00 |
32,127.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
59,414.00 |
88,919.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
59,414.00 |
88,919.00 |
| 15 |
Share of profit (loss) of associates
| 3.00 |
15.00 |
| 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
| 59,417.00 |
88,934.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 77,911.00 |
77,911.00 |
|
Face value of equity share capital
| 10 |
10 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
64,68,949.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
0 |
0 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
16.200 |
16.200 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 7.63 |
11.42 |
|
Diluted earnings per share before extraordinary items
| 7.62 |
11.41 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 7.63 |
11.42 |
|
Diluted earnings per share after extraordinary items
| 7.62 |
11.41 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 11,09,535.00 |
11,09,535.00 |
|
Amount of net non-performing assets
| 3,16,938.00 |
3,16,938.00 |
|
% of gross NPAs |
3.4300 |
3.4300 |
|
% of net NPAs
| 1.00 |
1.00 |
|
Return on assets
| 0.4500 |
0.1700 |
| 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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
77,911.00 |
|
Reserves and surplus |
64,96,052.00 |
|
Deposits |
3,99,93,076.00 |
|
Borrowings |
42,78,919.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
34,93,434.00 |
|
Total of Other liabilities and provisions |
34,93,434.00 |
|
Total Capital Liabilities |
5,43,39,392.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
29,94,563.00 |
|
| Balances with Banks and money at call and short notice
| 18,98,672.00 |
|
Investments |
1,25,00,705.00 |
|
Advances |
3,15,87,139.00 |
|
Fixed Assets |
2,54,591.00 |
|
Other Assets |
|
| 1 |
Other Assets |
51,03,722.00 |
|
Total of Other Assets |
51,03,722.00 |
|
Total Assets |
5,43,39,392.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| 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 |
2,63,778.00 |
10,44,920.00 |
| 2 |
ii) Corporate / Wholesale Banking |
3,00,948.00 |
10,83,558.00 |
| 3 |
iii) Retail Banking |
8,16,145.00 |
36,10,099.00 |
| 4 |
iv) Other Banking Business |
311.00 |
2,414.00 |
|
| Total Segment Revenue
| 13,81,182.00 |
57,40,991.00 |
|
Less: Inter segment revenue |
1,09,274.00 |
3,93,004.00 |
|
Income from operations |
12,71,908.00 |
53,47,987.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
i) Treasury Operations |
59,246.00 |
2,35,405.00 |
| 2 |
ii) Corporate / Wholesale Banking |
36,430.00 |
1,69,779.00 |
| 3 |
iii) Retail Banking |
1,47,672.00 |
5,68,745.00 |
| 4 |
iv) Other Banking Business |
55.00 |
413.00 |
|
Total Profit before tax |
2,43,403.00 |
9,74,342.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
13,877.00 |
56,388.00 |
|
Profit before tax |
2,29,526.00 |
9,17,954.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
i) Treasury Operations |
1,57,62,543.00 |
1,57,62,543.00 |
| 2 |
ii) Corporate / Wholesale Banking |
1,14,78,539.00 |
1,14,78,539.00 |
| 3 |
iii) Retail Banking |
2,36,53,337.00 |
2,36,53,337.00 |
| 4 |
iv) Other Banking Business |
0.00 |
0.00 |
|
Total Segment Assets |
5,08,94,419.00 |
5,08,94,419.00 |
|
Un-allocable Assets |
34,44,973.00 |
34,44,973.00 |
|
Net Segment Assets |
5,43,39,392.00 |
5,43,39,392.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
i) Treasury Operations |
43,20,005.00 |
43,20,005.00 |
| 2 |
ii) Corporate / Wholesale Banking |
1,83,47,902.00 |
1,83,47,902.00 |
| 3 |
iii) Retail Banking |
2,20,26,418.00 |
2,20,26,418.00 |
| 4 |
iv) Other Banking Business |
0.00 |
0.00 |
| |
Total Segment Liabilities |
4,46,94,325.00 |
4,46,94,325.00 |
| |
Un-allocable Liabilities |
96,45,067.00 |
96,45,067.00 |
|
Net Segment Liabilities |
5,43,39,392.00 |
5,43,39,392.00 |
|
Disclosure of notes on segments |
Consolidated Segment Reporting Quarter Ended 31.03.2026 12M Ended 31.03.2026 Operating Profit 229526 917954 Less: Provisions & Contingencies 148213 796908 Net Profit before tax 81313 121046 Less: Taxes including Deferred Taxes 21899 32127 Net Profit before share of Associate 59414 88919 Add: Share in profit / loss of Associate 3 15 Net Profit 59417 88934 As on 31.03.2026 Total Segment Liabilities 44694325 Unallocated Liabilities 3086221 Capital & Other Reserves 6558846 Total Liabilities 54339392 |
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
1,21,046.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
56,388.00 |
|
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 |
2,240.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
52,427.00 |
|
Other adjustments to reconcile profit (loss) |
7,86,832.00 |
|
Other adjustments for non-cash items |
160.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
15.00
|
|
Total adjustments to profit (loss) |
8,98,062.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
(11,18,312.00) |
|
Adjustments for decrease (increase) in trade receivables |
21,31,099.00 |
|
Adjustments for decrease (increase) in other current assets |
(18,41,978.00) |
|
Adjustments for increase (decrease) in trade payables |
(10,93,151.00) |
|
Adjustments for increase (decrease) in other current liabilities |
10,19,669.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(9,02,673.00)
|
|
Total adjustments for reconcile profit (loss) |
(4,611.00) |
|
Net cash flows from (used in) operations |
1,16,435.00 |
|
Dividends received |
0.00 |
|
Interest paid |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
17,146.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
99,289.00 |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
99,289.00 |
| 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 |
5,818.00 |
|
Purchase of tangible assets |
69,191.00 |
|
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 |
(63,373.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(63,373.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
260.00 |
|
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 |
10,91,437.00 |
|
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 |
(10,91,177.00)
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
(10,91,177.00)
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(10,55,261.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
10,947.00 |
|
Net increase (decrease) in cash and cash equivalents |
(10,44,314.00)
|
|
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 |
48,93,235.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| 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 |
Chokshi & Chokshi |
Yes |
31-03-2028 |
| 2 |
Borkar Muzumdar |
Yes |
31-05-2028 |