Key Metrics of IndusInd Bank
About IndusInd Bank
Outlets operated by IndusInd Bank.
Sectors
Company details
- Website
- indusind.bank.in
- Founded
- 1994
- Registered office
- 2401, Gen. Thimmayya Road, Cantonment, Pune, In-mh, 411001
- Listed
- NSE: INDUSINDBK · ₹844.50
Operational Areas of IndusInd Bank
Company summary
Entity details
Compliance
Industry classification
Financials, ratios and risk analysis
Revenue, EBITDA, net profit, net worth, debt and assets for every filing year, 15+ ratios, the financial health score, shareholding, charges and peer comparison are part of the premium plan.
Sign in to continue See plans & pricingFiling compliance
Due dates follow the Companies Act: AGM within six months of the year end, AOC-4 within 30 days and MGT-7 within 60 days of the AGM. A filing made but not yet uploaded here shows as pending.
Vendor checks & payment capacity
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Credit ratings
Rating history
Rating actions
| Date | Agency | Action | Long term | Short term | Outlook | Rated amount | Rationale |
|---|---|---|---|---|---|---|---|
| 08 Apr 2026 | CARE | Reaffirmed | — | A1+ | — | ₹10,000 Cr | View |
| 30 May 2025 | CARE | Other | — | — | — | — | View |
| 15 May 2025 | CARE | Other | — | — | — | — | View |
| 18 Mar 2025 | CARE | Other | — | — | — | — | View |
| 16 May 2024 | CARE | Other | — | — | — | — | View |
| 17 May 2023 | CARE | Assigned | — | A1+ | — | ₹10,000 Cr | View |
| 25 May 2016 | CARE | Assigned | — | — | — | ₹10,711 Cr | View |
| 09 Oct 2014 | CARE | Revised (from AA) | AA+ | — | — | ₹1,779 Cr | View |
| 23 Jan 2014 | CARE | Reaffirmed | AA | — | — | ₹4,973 Cr | View |
| 28 Jun 2011 | CARE | Other | — | — | — | ₹380 Cr | View |
| 15 Apr 2011 | CARE | Other | — | — | — | — | View |
Credit strengths (CARE, Apr 2026)
+ Comfortable capitalisation
The bank continues to demonstrate comfortable capitalisation levels, maintaining a healthy buffer over minimum regulatory requirements, supported by steady internal accruals and periodic equity infusions. As on December 31, 202 5, the bank reported a capital adequacy ratio (CAR) of 16 .94% and a Common Equity Tier-1 (CET1) ratio of 15.74%, (CAR of 16.24% and CET-I ratio 15.10%,as on March 31, 2025) compared to CAR of 17.23% and CET I ratio of 15.82% as on March 31, 2024, which is above
Credit challenges
− Deterioration in asset quality led to moderation in profitability
IBL’s retail portfolio features a relatively higher share of cyclical and unsecured segmentscompared to its larger private sector peers, where borrowers are typically more vulnerable in economic downturns. The bank’s asset quality witnessed deterioration with gross non-performing assets (GNPA) rising to 3.56% as on December 31, 2025, from 3.13% as on March 31, 2025, primarily due to persistent industry-wide stress in the microfinance portfolio and rising delinquencies in the credit card segment.
− Moderate resource profile
IBL’s liability profile continues to reflect a moderate share of retail deposits alongside a relatively high reliance on bulk deposits, resulting in an elevated cost of funds. In line with its strategic focus, the bank has been gradually increasing the proportion of retail deposits, as defined under the liquidity coverage ratio (LCR) framework, to reduce dependence on bulk funding including certificate of deposits. The bank’s total deposits de-grew to ₹393,815 crore as on December 31, 2025, from
Could lead to an upgrade
Factors that could individually or collectively lead to positive rating action/upgrade: • Not applicable
Could lead to a downgrade
Factors that could individually or collectively lead to negative rating action/downgrade: • Moderating asset quality parameters with net non -performing assets to net worth (NNPA/NW) ratio of above 10% on a sustained basis. • Worsening deposit profile with increasing proportion of bulk deposits. • Deteriorating capitalisation levels with cushion over the minimum regulatory requirement remaining less than 2.5% on a sustained basis.
Agency-reported financials (CARE, 08 Apr 2026)
| Metric | March 31, 2024 | March 31, 2025 | 9MFY26 |
|---|---|---|---|
| Total income | ₹55,136 Cr | ₹56,352 Cr | ₹40,756 Cr |
| Profit after tax (PAT) | ₹8,950 Cr | ₹2,643 Cr | ₹401 Cr |
| Total assets | ₹5,14,639 Cr | ₹5,53,729 Cr | ₹5,25,479 Cr |
| Net interest margin (NIM) (%) | 4.3% | 3.6% | 3.4% |
| Return on total assets (ROTA) (%) | 1.8% | 0.5% | 0.1% |
| Gross non-performing asset (GNPA) (%) | 1.9% | 3.1% | 3.6% |
| Net NPA (%) | 0.6% | 1.0% | 1.0% |
| Capital adequacy ratio (CAR) (%) | 17.2% | 16.2% | 16.9% |
| Revenue growth (YoY) | — | 2.2% | — |
| PAT margin | 16.2% | 4.7% | 1.0% |
Borrowings & rated debt
Rated limits over time
Facility mix
Rated facilities
| Facility | Type | Previous | Current | Change | Rating | Action | Agency |
|---|---|---|---|---|---|---|---|
| Certificate of deposit | Fixed deposits | — | ₹10,000 Cr | — | A1+ | Reaffirmed | CARE |
CARE ratings on record (checked 23 Oct 2026)
| Instrument | Amount | Rating |
|---|---|---|
| Certificate Of Deposit | ₹10,000 Cr | CARE A1+ |
Credit assessment · Banks
Rating Methodology – Banks (Mar 2025) · Standalone accounts · FY 2025-26
Ratios, pillar scores and the indicative rating are part of Premium.
Instrument ratings
| Instrument | Type | Rated | Per criteria | Basis |
|---|---|---|---|---|
| Certificate of deposit | Fixed deposits | — CARE | A | Tier II + 1 |
| Proposed Up to one year + | Fixed deposits | A CARE | A | Tier II + 1 |
| Upto days + | Fixed deposits | A CARE | A | Tier II + 1 |
Rating status
| Default | No default on record |
| Issuer cooperation | Cooperating |
| Credit enhancement | None – standalone rating |
| Next action stable or better (model) | 53% |
| Information on file | 67% · missing: Debt obligations and repayment schedule, Capex / investment plans, Auditor details |
Indicative assessment from public data using the published methodology factors; not a credit rating.
Borrowing & funding lifecycle
- Credit outlook model: 53% chance the next rating action is stable or better
Rated limits by facility
Timeline
From the report
The bank maintained a liquidity coverage ratio (LCR) of 113% as on March 9, 2025, and held unencumbered cash of ~₹30,000 crore as on March 11, 2025.
From the report
The bank had raised equity in FY20 and FY21 and raised Tier-II bonds aggregating ₹2,800 crore in FY22.
From the report
It had raised equity of ₹2,021 crore in February 2021 by conversion of warrants issued to promoters and ₹3,288 crore in September 2020 through preferential allotment to Qualified Institutional Buyers (QIB) and promoters.
From the report
The bank also raised Tier II bonds aggregating ₹2,800 crore in October 2021 and redeemed AT1 bonds aggregating ₹1,000 crore in March 2022.
Lender names, bank charges and audited borrowings are part of Premium.
Built from MCA charges, ICRA/CARE rating reports and audited accounts. The borrowing view is an estimate, not a lender's credit decision.
Registered office and contact
Directors and key people
Directors are read from the MGT-7 annual return and AOC-4 signatories.
Competitors of IndusInd Bank
Top competitors by location
| Company | Description | Domain | Founded | Location |
|---|---|---|---|---|
 HDFC Bank |
Outlets operated by HDFC Bank. | hdfc.bank.in | 1994 | India |
 ICICI Bank |
Outlets operated by ICICI Bank. | icici.bank.in | — | India |
 State Bank of India |
Outlets operated by State Bank of India. | sbi.bank.in | 1955 | India |
| Outlets operated by Bank of Baroda. | bankofbaroda.bank.in | 1908 | India | |
 Axis Bank |
Outlets operated by Axis Bank. | axis.bank.in | 1990 | Ahmedabad, India |
 Punjab National Bank |
Outlets operated by punjab national bank. | pnb.bank.in | 1894 | India |
 Canara Bank |
Outlets operated by Canara Bank. | canarabank.com | 1906 | Mumbai, India |
 Union Bank of India |
Outlets operated by Union Bank of India. | unionbankofindia.bank.in | 1919 | India |
| Outlets operated by Bank of India. | bankofindia.bank.in | 1906 | Mumbai, India | |
| Outlets operated by Kotak Mahindra Bank. | kotak.bank.in | 1985 | Mumbai, India |
Similar companies
Charges (secured borrowings)
0 registered charges. Lenders, amounts and dates are part of the premium plan.
Statutory auditors
Auditors are read from the AOC-4 auditor's report section.
Business activities and related parties
financial sector
Filings
No filings on record yet.