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 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 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


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 Consolidated Consolidated
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 538100000 2068700000
Total interest earned 106338400000 486676600000
2 Other income 7088300000 76904400000
3 Total income 113426700000 563581000000
Expenses
4 Interest expenses 75855100000 296363500000
5 Operating expenses
(i) Employees cost 16016500000 60278100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 26463900000 100325400000
Total other operating Expenses 26463900000 100325400000
Total Operating Expenses 42480400000 160603500000
6 Total expenditure excluding provisions and contingencies 118335500000 456967000000
7 Operating profit before provision and contingencies -4908800000 106614000000
8 Provisions other than tax and contingencies 25220800000 71356500000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax -30129600000 35257500000
11 Provision for Tax -6840400000 9503400000
12 Net profit (loss) from ordinary activities after tax -23289200000 25754100000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period -23289200000 25754100000
15 Share of profit (loss) of associates 500000 1300000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates -23288700000 25755400000
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) 637669200000
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 -29.9 33.07
Diluted earnings per share before extraordinary items -29.89 33.05
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items -29.9 33.07
Diluted earnings per share after extraordinary items -29.89 33.05
(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 -1.74 0.49
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 Consolidated
1 Capital and liabilities
Capital 7790500000
Reserves and surplus 640566300000
Deposits 4108622700000
Borrowings 537035500000
Other liabilities and provisions 247056100000
Total Capital Liabilities 5541071100000
2 ASSETS
Cash and Balances with Reserve Bank of India 510060100000
Balances with Banks and money at call and short notice 83694800000
Investments 1144567200000
Advances 3450186300000
Fixed Assets 24963600000
Other Assets 327599100000
Total Assets 5541071100000
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 Consolidated Consolidated
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 83612200000 399761500000
4 iv) Other Banking Business 153800000 539600000
Total Segment Revenue 120687600000 601892000000
Less: Inter segment revenue 7260900000 38311000000
Income from operations 113426700000 563581000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 i) Treasury Operations -14572300000 -8931100000
2 ii) Corporate / Wholesale Banking 3788400000 31392000000
3 iii) Retail Banking 7304500000 89345400000
4 iv) Other Banking Business 22300000 132400000
Total Profit before tax -3457100000 111938700000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 1451700000 5322700000
Profit before tax -4908800000 106616000000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 i) Treasury Operations 1379415200000 1379415200000
2 ii) Corporate / Wholesale Banking 1323391500000 1323391500000
3 iii) Retail Banking 2588075200000 2588075200000
4 iv) Other Banking Business 0 0
Total Segment Assets 5290881900000 5290881900000
Un-allocable Assets 250189100000 250189100000
Net Segment Assets 5541071000000 5541071000000
4 Segment Liabilities
Segment Liabilities
1 i) Treasury Operations 543416500000 543416500000
2 ii) Corporate / Wholesale Banking 1359556800000 1359556800000
3 iii) Retail Banking 2781905100000 2781905100000
4 iv) Other Banking Business 0 0
Total Segment Liabilities 4684878400000 4684878400000
Un-allocable Liabilities 207835800000 207835800000
Net Segment Liabilities 4684878400000 4684878400000
Disclosure of notes on segments Consolidated Segment Reporting Quarter Ended 31.03.2025 12 Months ended 31.03.2025 Operating Profit -49088 1066140 Less: Provisions & Contingencies 252208 713565 Net Profit before tax -301296 352575 Less: Taxes including Deferred Taxes -68404 95034 Extraordinary Profit / Loss 0 0 Net Profit before share of associate -232892 257541 Add: Share of profit/loss of associate 5 13 Net Profit -232887 257554 As on 31.03.2025 Total Segment Liabilities 46848784 Unallocated Liabilities 2078358 Capital & Other Reserves 6483568 Total Liabilities 55410710




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 Consolidated
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 5322700000
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 534800000
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 -18600000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 39456800000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories -80455400000
Adjustments for decrease (increase) in trade receivables -47525200000
Adjustments for decrease (increase) in other current assets -47397400000
Adjustments for increase (decrease) in trade payables 262766000000
Adjustments for increase (decrease) in other current liabilities 50162700000
Adjustments for provisions 0
Total adjustments for working capital 137550700000
Total adjustments for reconcile profit (loss) 177007500000
Net cash flows from (used in) operations 212265000000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 29487100000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 182777900000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 182777900000
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 224100000
Purchase of tangible assets 7309900000
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 -7085800000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -7085800000
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 224447100000
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 224680800000
Cash and cash equivalents cash flow statement at beginning of period 369074100000
Cash and cash equivalents cash flow statement at end of period 593754900000


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