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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 21-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 16-May-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
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 21-May-2025   14:52:00
End date and time of board meeting 21-May-2025   18:13:00
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
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(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 Yes
(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. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? No
(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? Yes
Latest Date on which RPT policy is updated 2025-04-22
Indicate Company website link for updated RPT policy of the Company https://www.indusind.com/in/en/investors/investor-landing/investor-resources.html#policies-and-codes
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 83398200000 395911500000
Income on investments 19979600000 76630300000
Interest on balances with reserve bank of India and other inter bank funds 2422500000 12066100000
Others 538200000 2068800000
Total interest earned 106338500000 486676700000
2 Other income 7088000000 76841900000
3 Total income 113426500000 563518600000
Expenses
4 Interest expenses 75855100000 296363500000
5 Operating expenses
(i) Employees cost 10995000000 43013700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 31301500000 117692800000
Total other operating Expenses 31301500000 117692800000
Total Operating Expenses 42296500000 160706500000
6 Total expenditure excluding provisions and contingencies 118151600000 457070000000
7 Operating profit before provision and contingencies -4725100000 106448600000
8 Provisions other than tax and contingencies 24165700000 70301400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax -28890800000 36147200000
11 Provision for Tax -6530900000 9718200000
12 Net profit (loss) from ordinary activities after tax -22359900000 26429000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period -22359900000 26429000000
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 -22359900000 26429000000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7790500000 7790500000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 634238100000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 15.1 15.1
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items -28.71 33.93
Diluted earnings per share before extraordinary items -28.7 33.91
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items -28.71 33.93
Diluted earnings per share after extraordinary items -28.7 33.91
(iv) NPA Ratios
Amount of gross non-performing assets 110463900000 110463900000
Amount of net non-performing assets 32871400000 32871400000
% of gross NPAs 3.13 3.13
% of net NPAs 0.95 0.95
Return on assets -1.67 0.5
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 7790500000
Reserves and surplus 637135300000
Deposits 4110781400000
Borrowings 537035500000
Other liabilities and provisions 247441600000
Total Capital Liabilities 5540184300000
2 ASSETS
Cash and Balances with Reserve Bank of India 508893600000
Balances with Banks and money at call and short notice 82764100000
Investments 1144968000000
Advances 3450186300000
Fixed Assets 23557900000
Other Assets 329814400000
Total Assets 5540184300000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
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 5767100000 73703000000
2 ii) Corporate / Wholesale Banking 31154500000 127887900000
3 iii) Retail Banking 83611900000 399699000000
4 iv) Other Banking Business 153800000 539600000
Total Segment Revenue 120687300000 601829500000
Less: Inter segment revenue 7260900000 38311000000
Income from operations 113426400000 563518500000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 i) Treasury Operations -14572300000 -8933100000
2 ii) Corporate / Wholesale Banking 3788400000 31392000000
3 iii) Retail Banking 7370700000 88708200000
4 iv) Other Banking Business 22300000 132400000
Total Profit before tax -3390900000 111299500000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 1334400000 4851100000
Profit before tax -4725300000 106448400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 i) Treasury Operations 1379816100000 1379816100000
2 ii) Corporate / Wholesale Banking 1323391500000 1323391500000
3 iii) Retail Banking 2586787600000 2586787600000
4 iv) Other Banking Business 0 0
Total Segment Assets 5289995200000 5289995200000
Un-allocable Assets 250189100000 250189100000
Net Segment Assets 5540184300000 5540184300000
4 Segment Liabilities
Segment Liabilities
1 i) Treasury Operations 543416500000 543416500000
2 ii) Corporate / Wholesale Banking 1359556800000 1359556800000
3 iii) Retail Banking 2784449500000 2784449500000
4 iv) Other Banking Business 0 0
Total Segment Liabilities 4687422800000 4687422800000
Un-allocable Liabilities 207835800000 207835800000
Net Segment Liabilities 4687422800000 4687422800000
Disclosure of notes on segments Standalone Segment Reporting Quarter Ended 31.03.2025 12 Months ended 31.03.2025 Operating Profit -47253 1064484 Less: Provisions & Contingencies 241657 703014 Net Profit before tax -288910 361470 Less: Taxes including Deferred Taxes -65309 97182 Extraordinary Profit / Loss 0 0 Net Profit -223601 264288 As on 31.03.2025 Total Segment Liabilities 46874228 Unallocated Liabilities 2078358 Capital & Other Reserves 6449257 Total Liabilities 55401843




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 4851100000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 509200000
Other adjustments for which cash effects are investing or financing cash flow 3296200000
Other adjustments to reconcile profit (loss) 30321700000
Other adjustments for non-cash items -18800000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 38959400000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories -80454000000
Adjustments for decrease (increase) in trade receivables -47525200000
Adjustments for decrease (increase) in other current assets -49577600000
Adjustments for increase (decrease) in trade payables 262852200000
Adjustments for increase (decrease) in other current liabilities 50130100000
Adjustments for provisions 0
Total adjustments for working capital 135425500000
Total adjustments for reconcile profit (loss) 174384900000
Net cash flows from (used in) operations 210532100000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 29406700000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 181125400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 181125400000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 150100000
Purchase of tangible assets 6622600000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -6472500000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -6472500000
5 Cash flows from used in financing activities
Proceeds from issuing shares 682600000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 60921400000
Repayments of borrowings 0
Dividends paid 12849000000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 48755000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 48755000000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 223407900000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 233700000
Net increase (decrease) in cash and cash equivalents 223641600000
Cash and cash equivalents cash flow statement at beginning of period 368016100000
Cash and cash equivalents cash flow statement at end of period 591657700000


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


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 IndusInd Bank Limited Mr. Sunil Mehta Chairman & Non-Executive Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 7432000 15114000
2 IndusInd Bank Limited Mr. Sunil Mehta Chairman & Non-Executive Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 684000 0 0
3 IndusInd Bank Limited Mrs. Akila Krishnakumar Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 23131000 23998000
4 IndusInd Bank Limited Mrs. Akila Krishnakumar Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 1335000 0 0
5 IndusInd Bank Limited Krishnakumar Natarajan Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 35500000 30900000
6 IndusInd Bank Limited Krishnakumar Natarajan Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 2407000 0 0
7 IndusInd Bank Limited Mr. Rajiv Agarwal Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 3000000 0
8 IndusInd Bank Limited Mr. Rajiv Agarwal Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 62000 0 0
9 IndusInd Bank Limited Mr. Rajiv Agarwal Director Sale of goods or services At Card Rate 2000 0 0
10 IndusInd Bank Limited Anita Rajiv Agarwal Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 5483000 5629000
11 IndusInd Bank Limited Anita Rajiv Agarwal Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 312000 0 0
12 IndusInd Bank Limited Dhruv Rajiv Agarwal Relative of Director of the Bank Sale of goods or services At Card Rate 6000 0 0
13 IndusInd Bank Limited Mrs. Bhavna Doshi Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 2500000 2593000
14 IndusInd Bank Limited Mrs. Bhavna Doshi Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 138000 0 0
15 IndusInd Bank Limited Mr. Jayant Deshmukh Director Sale of goods or services At Card Rate 1000 0 0
16 IndusInd Bank Limited Geeta Jayant Deshmukh Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 12004000 12042000
17 IndusInd Bank Limited Geeta Jayant Deshmukh Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 875000 0 0
18 IndusInd Bank Limited Shashi Pradeep Udhas Relative of Director of the Bank Sale of goods or services At Card Rate 5000 0 0
19 IndusInd Bank Limited Shweta Aditya Deshmukh Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 230000 230000
20 IndusInd Bank Limited Shweta Aditya Deshmukh Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 10000 0 0
21 IndusInd Bank Limited Shweta Aditya Deshmukh Relative of Director of the Bank Sale of goods or services At Card Rate 0 0 0
22 IndusInd Bank Limited Sudip Basu Director Sale of goods or services At Card Rate 2000 0 0
23 IndusInd Bank Limited Mr. Sumant Kathpalia Managing director & CEO Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 173499000 0
24 IndusInd Bank Limited Mr. Sumant Kathpalia Director and KMP Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 0 91467000
25 IndusInd Bank Limited Mr. Sumant Kathpalia Director and KMP Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 7845000 0 0
26 IndusInd Bank Limited Mr. Sumant Kathpalia Director and KMP Sale of goods or services At Card Rate 0 0 0
27 IndusInd Bank Limited Ira Sumant Kathpalia Relative of Director and KMP of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 38344000 23629000
28 IndusInd Bank Limited Ira Sumant Kathpalia Relative of Director and KMP of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 1313000 0 0
29 IndusInd Bank Limited Ira Sumant Kathpalia Relative of Director and KMP of the Bank Sale of goods or services At Card Rate 0 0 0
30 IndusInd Bank Limited Karan Kathpalia Relative of Director and KMP of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 65675000 68144000
31 IndusInd Bank Limited Karan Kathpalia Relative of Director and KMP of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 3341000 0 0
32 IndusInd Bank Limited Karan Kathpalia Relative of Director and KMP of the Bank Sale of goods or services At Card Rate 21000 0 0
33 IndusInd Bank Limited Tanu Mehtani Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 422000 483000
34 IndusInd Bank Limited Tanu Mehtani Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 10000 0 0
35 IndusInd Bank Limited Tanu Mehtani Relative of Director of the Bank Sale of goods or services At arm’s Length 1000 0 0
36 IndusInd Bank Limited Tanu Mehtani Relative of Director of the Bank Sale of goods or services At Card Rate 6000 0 0
37 IndusInd Bank Limited Padma Khurana Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 11165000 10897000
38 IndusInd Bank Limited Padma Khurana Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 691000 0 0
39 IndusInd Bank Limited Myysports Private Limited Private Company in which Relative of Director is Member Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 57438000 57854000
40 IndusInd Bank Limited Myysports Private Limited Private Company in which Relative of Director is Member Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 2656000 0 0
41 IndusInd Bank Limited Myysports Private Limited Private Company in which Relative of Director is Member Sale of goods or services At Card Rate 5000 0 0
42 IndusInd Bank Limited Karan khurana Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 185000 191000
43 IndusInd Bank Limited Karan khurana Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 9000 0 0
44 IndusInd Bank Limited Karan khurana Relative of Director of the Bank Sale of goods or services At Card Rate 1000 0 0
45 IndusInd Bank Limited Dr. Rohit Khurana Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 8779000 9229000
46 IndusInd Bank Limited Dr. Rohit Khurana Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 594000 0 0
47 IndusInd Bank Limited Krish Khurana Relative of Director of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 180000 185000
48 IndusInd Bank Limited Krish Khurana Relative of Director of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 9000 0 0
49 IndusInd Bank Limited Mr. Arun Khurana Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 367258000 353204000
50 IndusInd Bank Limited Mr. Arun Khurana Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 22527000 0 0
51 IndusInd Bank Limited Mr. Arun Khurana Director Sale of goods or services At Card Rate 1000 0 0
52 IndusInd Bank Limited Crediwatch Information Analytics Private Limited Private Company in which Director of the Bank is member Purchase of goods or services At arm’s Length 11221000 0 0
53 IndusInd Bank Limited Mr. Gobind Jain KMP Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 2460000 290000
54 IndusInd Bank Limited Mr. Gobind Jain KMP Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 140000 0 0
55 IndusInd Bank Limited Mr. Gobind Jain KMP Sale of goods or services At Card Rate 0 0 0
56 IndusInd Bank Limited Pinki Jindal Relative of KMP of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 2160000 1096000
57 IndusInd Bank Limited Pinki Jindal Relative of KMP of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 126000 0 0
58 IndusInd Bank Limited Neeraj Jain Relative of KMP of the Bank Sale of goods or services At Card Rate 0 0 0
59 IndusInd Bank Limited Hinduja Renewables Energy Private limited Private Company in which Relative of Director is Director Sale of goods or services At arm’s Length 1000 0 0
60 IndusInd Bank Limited Indusind Media & Communication Limited Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 35909000 348000
61 IndusInd Bank Limited Indusind Media & Communication Limited Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 1000000 0 0
62 IndusInd Bank Limited Indusind Media & Communication Limited Promoter group of the Bank Sale of goods or services At arm’s Length 1000 0 0
63 IndusInd Bank Limited Reliance Capital Limited Promoter group of the Bank Sale of goods or services At arm’s Length 1000 0 0
64 IndusInd Bank Limited Reliance Securities Ltd Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 0 49700000
65 IndusInd Bank Limited Reliance Securities Ltd Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 400000 0 0
66 IndusInd Bank Limited Reliance General Insurance Company Limited Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 0 300000000
67 IndusInd Bank Limited Reliance General Insurance Company Limited Body Corporate in which the Promoter holds 10% or more of equity share or which holds 10 %or more of equity share of the promoter Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 5946000 0 0
68 IndusInd Bank Limited Indusind International Holdings Ltd. Promoter of the Bank Sale of goods or services At arm’s Length 1000 0 0
69 IndusInd Bank Limited IndusInd Marketing and Financial Services Private Limited Associate of the Bank Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 5000000 65000000
70 IndusInd Bank Limited IndusInd Marketing and Financial Services Private Limited Associate of the Bank Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 2663000 0 0
71 IndusInd Bank Limited IndusInd Marketing and Financial Services Private Limited Associate of the Bank Any other transaction Reimbursement of Expenses Rs. 49 crores per month (excluding GST and other statutory levies) 2714474000 0 0
72 IndusInd Bank Limited Bharat Financial Inclusion Limited Subsidiary of the Bank Any other transaction Business Correspondent Fees Not Applicable as per section 177 (4) of Companies Act and Regulation 23 (5) of SEBI LODR Regulations as transactions are at arm’s length and in ordinary course of business and a certificate from CA firm is taken for confirming arm’s length 12417646000 0 0
73 IndusInd Bank Limited Bharat Financial Inclusion Limited Subsidiary of the Bank Any other transaction ESOP cost reimbursement to Subsidiary Not Applicable as per section 177 (4) of Companies Act and Regulation 23 (5) of SEBI LODR Regulations as transactions are at arm’s length and in ordinary course of business and a certificate from CA firm is taken for confirming arm’s length 17071000 0 0
74 IndusInd Bank Limited Bharat Financial Inclusion Limited Subsidiary of the Bank Any other transaction Net Receivable/(Payable) Not Applicable as per section 177 (4) of Companies Act and Regulation 23 (5) of SEBI LODR Regulations as transactions are at arm’s length and in ordinary course of business and a certificate from CA firm is taken for confirming arm’s length 0 8519264000 0
75 IndusInd Bank Limited Bharat Financial Inclusion Limited Subsidiary of the Bank Any other transaction Reimbursement of Expenses Not Applicable as per section 177 (4) of Companies Act and Regulation 23 (5) of SEBI LODR Regulations as transactions are at arm’s length and in ordinary course of business and a certificate from CA firm is taken for confirming arm’s length 366146000 0 0
76 IndusInd Bank Limited Mr. J Sridharan KMP of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 6138000 6381000
77 IndusInd Bank Limited Mr. J Sridharan KMP of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 385000 0 0
78 IndusInd Bank Limited V Ravi Kumar Reddy KMP of subsidiary Sale of goods or services At Card Rate 13000 0 0
79 IndusInd Bank Limited Usharani Sridharan Relative of KMP of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 3434000 3554000
80 IndusInd Bank Limited Usharani Sridharan Relative of KMP of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 209000 0 0
81 IndusInd Bank Limited Usharani Sridharan Relative of KMP of subsidiary Sale of goods or services At arm’s Length 1000 0 0
82 IndusInd Bank Limited Aditya Sridharan Jayaraman Relative of KMP of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 200000 200000
83 IndusInd Bank Limited Aditya Sridharan Jayaraman Relative of KMP of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 9000 0 0
84 IndusInd Bank Limited J. Vaidyanathan Relative of KMP of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 900000 700000
85 IndusInd Bank Limited J. Vaidyanathan Relative of KMP of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 41000 0 0
86 IndusInd Bank Limited Mr. Anil Rao Director of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 11730000 12201000
87 IndusInd Bank Limited Mr. Anil Rao Director of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 1003000 0 0
88 IndusInd Bank Limited Mr. Anil Rao Director of subsidiary Sale of goods or services At Card Rate 11000 0 0
89 IndusInd Bank Limited Reena Rao Relative of Director of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 153000 159000
90 IndusInd Bank Limited Reena Rao Relative of Director of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 11000 0 0
91 IndusInd Bank Limited Sameer Valerio Rao Relative of Director of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 1086000 1122000
92 IndusInd Bank Limited Sameer Valerio Rao Relative of Director of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 79000 0 0
93 IndusInd Bank Limited Sameer Valerio Rao Relative of Director of subsidiary Sale of goods or services At Card Rate 1000 0 0
94 IndusInd Bank Limited Mr. Sanjeev Anand Director of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 6366000 6624000
95 IndusInd Bank Limited Mr. Sanjeev Anand Director of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 436000 0 0
96 IndusInd Bank Limited Mr. Sanjeev Anand Director of subsidiary Sale of goods or services At Card Rate 0 0 0
97 IndusInd Bank Limited Cashpor Microcredit Company in which the Director of subsidiary is a Director Any other transaction Business Correspondent Fees As per Agreement 356315000 0 0
98 IndusInd Bank Limited Cashpor Microcredit Company in which the Director of subsidiary is a Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 102431000 91691000
99 IndusInd Bank Limited Cashpor Microcredit Company in which the Director of subsidiary is a Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 2319000 0 0
100 IndusInd Bank Limited Cashpor Microcredit Company in which the Relative of Director of subsidiary is a Director Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 0 0
101 IndusInd Bank Limited Cashpor Microcredit Company in which the Relative of Director of subsidiary is a Director Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 2556000 0 0
102 IndusInd Bank Limited Samhita Community Development Services Company in which the Director of subsidiary is a Director Any other transaction Business Correspondent Fees As per Agreement 38392000 0 0
103 IndusInd Bank Limited Tanvi Marina Rao Relative of Director of subsidiary Any other transaction Deposit Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 0 0 1020000
104 IndusInd Bank Limited Tanvi Marina Rao Relative of Director of subsidiary Interest paid Approval obtained for accepting Deposits from any related Parties in compliance with applicable laws and regulations. For Deposits from various categories of deposits interest offered as permitted by RBI, and on card rate applicable 52000 0 0
105 IndusInd Bank Limited Tanvi Marina Rao Relative of Director of subsidiary Sale of goods or services At Card Rate 8000 0 0
Total value of transaction during the reporting period 15983547000





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