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Informist, Tuesday, Jul. 21, 2026

 

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--IndusInd Bank Apr-Jun net profit INR 10.03 bln 
--Analysts saw IndusInd Bank Apr-Jun net profit at INR 6.90 bln 
--IndusInd Bank Apr-Jun total income INR 130.95 bln 
--IndusInd Bank Apr-Jun net profit INR 10.03 bln vs INR 6.84 bln yr ago 
--IndusInd Bank Apr-Jun total income INR 130.95 bln vs INR 144.20 bln yr ago 
--IndusInd Bank Apr-Jun provisions INR 13.40 bln vs INR 17.38 bln year ago 
--IndusInd Bank gross NPA ratio 3.25% on Jun 30 vs 3.43% qtr ago 
--IndusInd Bank net NPA ratio 0.95% on Jun 30 vs 1.00% qtr ago 
--IndusInd Bank Basel III capital adequacy ratio 17.15% on Jun 30
--IndusInd Bank Apr-Jun consol net interest margin 3.57% vs 3.39% qtr ago 
--IndusInd Bank Apr-Jun consol NII INR 46.85 bln vs INR 46.40 bln year ago 
--IndusInd Bank consol deposits INR 4.15 tln on Jun 30 vs INR 3.97 tln yr ago 
--IndusInd Bank consol provision coverage ratio 71% on Jun 30 
--IndusInd Bank consol average liquidity coverage ratio 127% on Jun 30 
--IndusInd Bank Apr-Jun consol cost of funds 5.05% vs 5.69% year ago 
--IndusInd Bank Apr-Jun consol yield on advances 10.96% vs 11.15% qtr ago
--IndusInd Bank Apr-Jun consol cost of deposit 5.95% vs 6.07% qtr ago
--IndusInd Bank overall loan book INR 3.26 tln on Jun 30, down 2% on year 
--IndusInd Bank CASA ratio 29.43% on Jun 30 

 

By Kabir Sharma

 

MUMBAI – IndusInd Bank Ltd. reported a surge in net profit for the June quarter on the bank of a fall in provisions and operating expenses. Supported by lower provisions, the net profit rose despite a sharp fall in the bank's total income. 

 

The private sector lender reported a net profit of INR 10.03 billion for the June quarter, up 46.5% on year and sharply higher than analysts' estimate of INR 6.90 billion. Sequentially, the bottom line almost doubled from INR 5.33 billion in the March quarter. This was the highest increase in net profit in 11 quarters for the bank. 

 

Provisions of the lender fell 23% on year to INR 13.40 billion in the reporting quarter. The fall in expenses outpaced the fall in total income which supported the rise in the bottom line. Total expenses, excluding provisions, fell 11.5% on year to INR 104.12 billion in the June quarter. Total income, dragged down by lower other income, fell 9% on year to INR 130.95 billion. 

 

Other income which fell over 17% on year to INR 17.85 billion, was dented by a sharp fall in treasury income. Income from treasury operations almost halved to INR 5.37 billion from INR 10.72 billion a year ago.    

 

The bank only released consolidated numbers for other major parameters. The consolidated results include results of IndusInd Bank's wholly owned subsidiary, Bharat Financial Inclusion Ltd., a business correspondent of the bank involved in originating small ticket loans, and IndusInd Marketing and Financial Services Pvt. Ltd., an associate of the bank.

 

Consolidated net interest income for the June quarter was at INR 46.85 billion, largely unchanged from INR 46.40 billion a year ago. Fee and other income for the quarter fell to INR 17.87 billion from INR 21.57 billion a year ago.

 

Yield on assets moderated to 8.62% for the quarter ended June against 9.15% for the corresponding quarter of previous year. Cost of funds also fell to 5.05% as against 5.69% for the previous year. 

 

Gross non performing assets were at 3.25% of gross advances as of Jun. 30, down from 3.43% as on Mar. 31. Net non performing assets were 0.95% of net advances at the end of June, compared with 1.00% at March end. The provision coverage ratio was at 71.42% at the end of June.

 

Deposits as on Jun. 30 were INR 4.15 trillion up from INR 3.97 trillion a year ago. IndusInd Bank's total capital adequacy ratio as per Basel III guidelines stands at 17.15% as of Jun. 30. Wednesday, shares of the bank closed 0.6% higher at INR 1,069.30 on the National Stock Exchange.  End

 

Edited by Akul Nishant Akhoury

 

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