| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 23-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 30-09-2026 |
| 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 | 23-10-2026 11:25:00 |
| End date and time of board meeting | 23-10-2026 15:35:00 |
| 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 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 9,30,537.00 | 17,98,247.00 | |
| Income on investments | 1,89,983.00 | 3,79,779.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 41,377.00 | 68,468.00 | |
| Others | 17,701.00 | 64,098.00 | |
| Total interest earned | 11,79,598.00 | 23,10,592.00 | |
| 2 | Other income | 2,24,793.00 | 4,03,446.00 |
| 3 | Total income | 14,04,391.00 | 27,14,038.00 |
| Expenses | |||
| 4 | Interest expenses | 7,22,653.00 | 13,85,175.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 1,80,314.00 | 3,59,487.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other Operating Expenses | 2,13,979.00 | 4,04,586.00 |
| Total other operating Expenses | 2,13,979.00 | 4,04,586.00 | |
| Total Operating Expenses | 3,94,293.00 | 7,64,073.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 11,16,946.00 | 21,49,248.00 |
| 7 | Operating profit before provision and contingencies | 2,87,445.00 | 5,64,790.00 |
| 8 | Provisions other than tax and contingencies | 1,22,263.00 | 2,60,693.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 1,65,182.00 | 3,04,097.00 |
| 11 | Provision for Tax | 41,004.00 | 76,217.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 1,24,178.00 | 2,27,880.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 1,24,178.00 | 2,27,880.00 |
| 15 | Share of profit (loss) of associates | 1.00 | 4.00 |
| 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 | 1,24,179.00 | 2,27,884.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 77,914.00 | 77,914.00 | |
| 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 | 15.5500 | 15.5500 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 15.94 | 29.25 | |
| Diluted earnings per share before extraordinary items | 15.93 | 29.24 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 15.94 | 29.25 | |
| Diluted earnings per share after extraordinary items | 15.93 | 29.24 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 10,10,565.00 | 10,10,565.00 | |
| Amount of net non-performing assets | 3,01,242.00 | 3,01,242.00 | |
| % of gross NPAs | 2.7300 | 2.7300 | |
| % of net NPAs | 0.8300 | 0.8300 | |
| Return on assets | 0.8700 | 0.8200 | |
| 21 | Disclosure of notes on financial results by banks | ||
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 77,914.00 | ||
| Reserves and surplus | 67,14,206.00 | ||
| Deposits | 4,28,83,190.00 | ||
| Borrowings | 53,78,091.00 | ||
| Other liabilities and provisions | |||
| 1 | Other liabilities and provisions | 29,61,437.00 | |
| Total of Other liabilities and provisions | 29,61,437.00 | ||
| Total Capital Liabilities | 5,80,14,838.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 18,07,334.00 | ||
| Balances with Banks and money at call and short notice | 44,86,222.00 | ||
| Investments | 1,06,39,116.00 | ||
| Advances | 3,63,10,434.00 | ||
| Fixed Assets | 2,51,777.00 | ||
| Other Assets | |||
| 1 | Other Assets | 45,19,955.00 | |
| Total of Other Assets | 45,19,955.00 | ||
| Total Assets | 5,80,14,838.00 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
| Textual Information(1) | Employee Stock Option Outstanding 13,651.00 Reserves And Surplus 67,00,555.00 Total 67,14,206.00 |
|---|
| 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 | 01-07-2026 | 01-04-2026 | |||||
| Date of end of reporting period | 30-09-2026 | 30-09-2026 | |||||
| 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 | 2,71,213.00 | 5,10,365.00 | ||||
| 2 | Corporate / Wholesale Banking | 3,82,790.00 | 7,05,562.00 | ||||
| 3 | Retail Banking | 8,54,994.00 | 16,71,217.00 | ||||
| 4 | Other Banking Business | 919.00 | 920.00 | ||||
| 5 | Unallocated | 0.00 | 28,493.00 | ||||
| Total Segment Revenue | 15,09,916.00 | 29,16,557.00 | |||||
| Less: Inter segment revenue | 1,05,525.00 | 2,02,519.00 | |||||
| Income from operations | 14,04,391.00 | 27,14,038.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 85,962.00 | 1,39,703.00 | ||||
| 2 | Corporate / Wholesale Banking | 55,668.00 | 98,978.00 | ||||
| 3 | Retail Banking | 1,60,397.00 | 3,26,168.00 | ||||
| 4 | Other Banking Business | 171.00 | 171.00 | ||||
| 5 | Unallocated | 0.00 | 28,493.00 | ||||
| Total Profit before tax | 3,02,198.00 | 5,93,513.00 | |||||
| i. Finance cost | 0.00 | 0.00 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 14,753.00 | 28,723.00 | |||||
| Profit before tax | 2,87,445.00 | 5,64,790.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 1,39,00,621.00 | 1,39,00,621.00 | ||||
| 2 | Corporate / Wholesale Banking | 1,63,86,473.00 | 1,63,86,473.00 | ||||
| 3 | Retail Banking | 2,48,30,446.00 | 2,48,30,446.00 | ||||
| 4 | Other Banking Business | 0.00 | 0.00 | ||||
| 5 | Unallocated | 0.00 | 0.00 | ||||
| Total Segment Assets | 5,51,17,540.00 | 5,51,17,540.00 | |||||
| Un-allocable Assets | 28,97,298.00 | 28,97,298.00 | |||||
| Net Segment Assets | 5,80,14,838.00 | 5,80,14,838.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 54,33,721.00 | 54,33,721.00 | ||||
| 2 | Corporate / Wholesale Banking | 1,90,97,965.00 | 1,90,97,965.00 | ||||
| 3 | Retail Banking | 2,41,97,672.00 | 2,41,97,672.00 | ||||
| 4 | Other Banking Business | 0.00 | 0.00 | ||||
| 5 | Unallocated | 0.00 | 0.00 | ||||
| Total Segment Liabilities | 4,87,29,358.00 | 4,87,29,358.00 | |||||
| Un-allocable Liabilities | 92,85,480.00 | 92,85,480.00 | |||||
| Net Segment Liabilities | 5,80,14,838.00 | 5,80,14,838.00 | |||||
| Disclosure of notes on segments | Consolidated Segment Reporting Quarter Ended 30.09.2026 6 Months ended 30.09.2026 Operating Profit 287445 564790 Less: Provisions & Contingencies 122263 260693 Net Profit before tax 165182 304097 Less: Taxes including Deferred Taxes 41004 76217 Extraordinary Profit / Loss 0 0 Net Profit before share of associate 124178 227880 Add: Share of profit/loss of associate 1 4 Net Profit 124179 227884 As on 30.09.2026 Total Segment Liabilities 48729358 Unallocated Liabilities 2493360 Capital & Other Reserves 6792120 Total Liabilities 58014838 | ||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| 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 | 3,04,097.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 28,723.00 | |
| 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 | 1,069.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 22,664.00 | |
| Other adjustments to reconcile profit (loss) | 2,52,572.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 4.00 | |
| Total adjustments to profit (loss) | 3,05,032.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 18,38,375.00 | |
| Adjustments for decrease (increase) in trade receivables | (49,50,153.00) | |
| Adjustments for decrease (increase) in other current assets | 6,59,458.00 | |
| Adjustments for increase (decrease) in trade payables | 28,90,114.00 | |
| Adjustments for increase (decrease) in other current liabilities | (5,57,070.00) | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (1,19,276.00) | |
| Total adjustments for reconcile profit (loss) | 1,85,756.00 | |
| Net cash flows from (used in) operations | 4,89,853.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 1,51,794.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 3,38,059.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 3,38,059.00 | |
| 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 | 1,698.00 | |
| Purchase of tangible assets | 28,362.00 | |
| 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 | (26,664.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (26,664.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 193.00 | |
| 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 | (10,99,172.00) | |
| Dividends paid | 11,687.00 | |
| 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 | 10,87,678.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | 10,87,678.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 13,99,073.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 1,248.00 | |
| Net increase (decrease) in cash and cash equivalents | 14,00,321.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 48,93,235.00 | |
| Cash and cash equivalents cash flow statement at end of period | 62,93,556.00 | |