| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 12.3K | 15.3% |
| Total Income | 14.4K | 27.1% |
| Expenditure | 11.9K | 0.2% |
| PBT | 807.33 | 126.8% |
| Net Profit | 604.05 | 125.9% |
| OPM | 20.93% | 25.55pp |
| NPM | 4.19% | 24.72pp |
| EPS | 7.75 | 74.1% |
Indusind Bank Reports Q1 FY 2025-26 Financial Results with 3.46% NIM and 1.12% Net NPA
28 Jul 2025 · 28 Jul 2025, 05:31 pm
Summary
Indusind Bank has reported its Q1 FY 2025-26 financial results. The net interest income (NID) for Q1 FY26 is at $4,640 crores, a decrease from $5,408 crores in Q1 FY25. The net profit for Q1 FY26 is at 7604 crores, a significant increase from $2,171 crores in Q1 FY25. The gross NPA and net NPA ratios are at 3.64% and 1.12% respectively. The Bank has a healthy liquidity position with LCR of 141%.
Key Highlights
- 1
Net Interest Income (NID) in Q1 FY26 is at $4,640 crores as compared to $5,408 crores in QI FY25
- 2
NIM at 3.46% for Q1 FY26 as compared to 4.25% for Q1 FY25
- 3
Quarterly Net Profit in Q1 FY26 is at 7604 crores as compared to 2,171 crores for Q1 FY25
- 4
Net worth at 762,961 crores in QIFY26 as compared to 62,532 crores in Ql FY25
- 5
Deposits at 3,97,144 crores in Q1 FY26 from 3,98,513 crores in Ql FY25
- 6
Gross NPA and Net NPA ratios at 3.64% and 1.12% compared to 3.13% and 0.95% QoQ respectively
- 7
CRAR as on June 30, 2025, at 16.63% as compared to 17.04% on June 30, 2024 (excluding Q1 profits)
- 8
The Bank has healthy liquidity position with LCR of 141% average for QIFY26
Management Comments
Mr. Sunil Mehta
The Bank has delivered clean and profitable Q1 results, marking a robust recovery from the challenges of the previous quarter. The Board remains confident of moving forward as per planned timelines. The Bank has taken decisive action on legacy issues, strengthened governance, and enhanced operational controls. The Bank is also actively working to integrate its diverse business lines under the ‘One IndusInd’ approach, unlocking synergies and delivering a unified banking experience to our customers. The Bank remains focused on profitability, cost discipline, and stakeholder engagement, while building a sustainable franchise across our core businesses.
Mr. Soumitra Sen and Mr Anil Rao
The Bank’s Q1 performance reflects the resilience of our core businesses and financial transparency. We returned to profitability with a net profit of Rs.604 crores, supported by steady recovery in core businesses and calibrated actions on cost optimization. Our capital adequacy remains strong with CRAR at 16.63% (excluding Q1 profits), reflecting a solid balance sheet and foundation.
Informational and educational content only. Not investment advice.