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IndusInd Bank Limited INDUSINDBK NIFTY50NIFTY_MIDNSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.indusind.bank.in
Company Profile ↓
₹1,008.50
+29.00% 1Y
Mkt Cap₹78,572.85 Cr
P/E88.39
P/B1.21
Div. Yield0.15%
52W High₹1,069.30
52W Low₹711.60
Book Value₹843.78
EPS (TTM)₹11.41

Company Overview

IndusInd Bank Limited provides various banking products and financial services to individuals, corporations, government entities, and public sector undertakings in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, salary, current, and uniformed personnel accounts; fixed, recurring, auto sweep, senior citizen fixed, and term deposits; vehicle, used and new car, two wheeler, home, gold, agri, personal, medical equipment, term, business, and MSME loans; loans against property and securities; loans on credit card; and working capital, supply chain, and trade finance. It also provides debit, credit, prepaid, forex, duo, corporate, and business cards; life, health, and general insurance; foreign exchange services, including inward and outward remittances, and online forex portals; digital and WhatsApp banking; and national pension system, sovereign gold bonds, and government securities. In addition, the company offers mutual funds; bill payment; money transfer; NRI services; merchant solutions comprising POS terminal, payment gateway, digital rupee, and soundbox; transaction banking services, including trade finance, cash management, and tax payment; supply chain finance solutions, including supplier/vendor finance, channel finance, and receivable finance/factoring solutions; investment banking services consisting of debt syndication, debt and private equity fund-raising advisory, and M&A advisory; and inclusive banking. IndusInd Bank Limited was incorporated in 1994 and is headquartered in Mumbai, India.

Why Investors Should Care

Healthy Margins

Operating margin of 27.3% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹25,128.20 Cr (-5.2% YoY); net profit ₹889.34 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -5.2%, earnings -65.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR -0.4%, profit CAGR -50.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-0.45%
1 Year:-5.17%

Compounded Profit Growth

5 Years:-50.75%
1 Year:-65.47%

Stock Price Performance

1 Year:+29.00%
6 Months:+10.05%
3 Months:+9.46%
1 Month:-0.76%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Banking / AI in Vehicle & Microfinance
Core Focus

IndusInd Bank uses AI in vehicle finance underwriting, microfinance (Bharat Financial) credit scoring and digital banking 'Indus Easy Credit'.

Key Initiatives
  • AI in lending & risk IndusInd Bank applies ML to underwriting, fraud and collections across its retail, vehicle-finance and microfinance books.
  • Digital banking AI AI-driven personalisation and digital onboarding support customer acquisition and cross-sell.
  • Operations automation AI/RPA reduces cost-to-serve across service and back-office processes.
Why Investors Should Care
  • AI underwriting matters most here given recent asset-quality and accounting stress.
  • Turnaround/repair situation — profit has declined (negative five-year CAGR), ROE ~1.4%.
  • Cheap on book but elevated P/E ~80 reflects depressed earnings.
  • Rebuilding credibility and credit costs is the core thesis, not AI.
AI InvestmentDigital transformation under 'Indus 2.0'; AI-led credit + collections platform.
AI RevenueNII ~₹22,000 Cr; vehicle + MFI segments AI-augmented.
ROI (Now)ROE ~14-15%. Asset quality stress in MFI under management.
ROI (Expected)AI in collections + MFI expected to improve credit cost trajectory.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 88.4.
  • Revenue declined at -0.4% CAGR over 5 years.
  • Earnings shrank at -50.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
88.39
Industry PE
19.62
Forward P/E
12.83
PEG Ratio
0.72
Book Value
₹843.78
Price to Book
1.21
P/S
4.60
EV/EBITDA
-
Dividend Yield
0.15%

Growth (CAGR)

Revenue 5Y
-0.45%
Profit 5Y
-50.75%
Revenue (YoY)
-5.17%
Earnings (YoY)
-65.47%

Profitability & Returns

ROCE
-
ROE
1.35%
ROA
0.16%
Profit Margin
3.54%
Op Margin
27.31%
Gross Margin
0.00%
EPS (Latest Qtr)
₹13.31
EPS (TTM)
₹11.41

Balance Sheet & Liquidity

Debt/Equity
0.65
Quick Ratio
-
Current Ratio
-
Debt
₹42,789.19 Cr
Total Assets
₹5.43 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
16.34%
Chg in Prom Hold
-0.24%
FII / Inst Holding
54.06%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹78,572.85 Cr
Total Revenue (TTM)
₹25,128.20 Cr
EBITDA
-
Free Cash Flow
₹300.98 Cr
Operating Cash Flow
₹992.89 Cr
Shares Outstanding
₹77.91 Cr
Gross Margin
0.00%
Payout Ratio
8.84%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 INDUSINDBK IndusInd Bank Limited NIFTY50NIFTY_MIDNSEAIFINANCIAL 1,008.50 88.39 ₹78,572.85 Cr 0.15% - 1.35% -0.45% -50.75%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 10,021.00 Cr10,730.00 Cr11,248.00 Cr11,572.00 Cr12,199.00 Cr12,547.00 Cr12,686.00 Cr7,583.12 Cr3,757.16 Cr6,796.74 Cr11,609.00 Cr6,268.85 Cr6,085.14 Cr6,471.25 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 4,096.00 Cr4,237.00 Cr4,424.00 Cr4,618.00 Cr4,753.00 Cr4,947.00 Cr5,752.00 Cr3,982.47 Cr4,248.04 Cr4,229.42 Cr6,644.00 Cr3,999.23 Cr3,789.88 Cr3,697.80 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 5,351.00 Cr5,863.00 Cr6,171.00 Cr6,277.00 Cr6,822.00 Cr7,139.00 Cr7,339.00 Cr7,572.68 Cr7,585.51 Cr7,624.06 Cr7,199.00 Cr6,811.23 Cr6,633.94 Cr6,625.22 Cr
Pretax Income 2,727.00 Cr2,840.00 Cr2,935.00 Cr3,073.00 Cr3,131.00 Cr2,902.00 Cr1,780.00 Cr1,857.02 Cr-3,012.96 Cr807.33 Cr-584.00 Cr173.85 Cr813.13 Cr1,389.15 Cr
Tax Provision 681.75 Cr710.00 Cr733.75 Cr768.25 Cr782.75 Cr725.50 Cr445.00 Cr454.67 Cr-684.04 Cr203.28 Cr146.00 Cr45.91 Cr218.99 Cr352.13 Cr
Net Income 2,043.00 Cr2,124.00 Cr2,202.00 Cr2,301.00 Cr2,349.00 Cr2,171.00 Cr1,331.00 Cr1,402.33 Cr-2,328.87 Cr604.07 Cr-437.00 Cr127.98 Cr594.17 Cr1,037.05 Cr
Diluted EPS 26.3427.3828.3429.5930.1827.8817.0918.00-29.907.75-5.611.597.6213.31

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 11,872.00 Cr14,406.00 Cr17,281.00 Cr22,261.00 Cr28,783.00 Cr29,000.00 Cr-25,467.68 Cr29,465.38 Cr26,496.85 Cr25,128.20 Cr
Cost of Revenue -----------
Gross Profit -----------
Operating Expenses 4,188.00 Cr5,684.00 Cr6,555.00 Cr9,284.00 Cr12,544.00 Cr15,772.00 Cr-11,647.16 Cr14,399.27 Cr15,824.81 Cr16,082.43 Cr
Operating Income -----------
EBITDA -----------
Interest Expense 7,355.00 Cr8,343.00 Cr9,783.00 Cr13,415.00 Cr16,724.00 Cr15,472.00 Cr-18,775.80 Cr25,132.29 Cr29,636.35 Cr28,268.49 Cr
Pretax Income 3,469.00 Cr4,360.00 Cr5,481.00 Cr4,980.00 Cr6,177.00 Cr3,929.00 Cr-9,932.19 Cr11,979.20 Cr3,525.75 Cr1,210.45 Cr
Tax Provision 1,179.46 Cr1,482.40 Cr1,863.54 Cr1,693.20 Cr1,729.56 Cr982.25 Cr-2,489.06 Cr3,002.21 Cr950.34 Cr321.27 Cr
Net Income 2,287.00 Cr2,868.00 Cr3,606.00 Cr3,301.00 Cr4,458.00 Cr2,930.00 Cr-7,443.50 Cr8,977.30 Cr2,575.54 Cr889.34 Cr
Diluted EPS 38.4347.9560.0854.7764.2837.89-95.89115.3333.0511.41

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1.43 L Cr1.79 L Cr2.22 L Cr2.78 L Cr3.07 L Cr3.63 L Cr-4.58 L Cr5.15 L Cr5.54 L Cr5.43 L Cr
Current Assets -----------
Cash & Equivalents -------56,776.76 Cr42,391.59 Cr64,980.16 Cr63,909.13 Cr
Inventory -----------
Receivables -------13,605.95 Cr20,166.82 Cr16,758.08 Cr10,109.61 Cr
Total Liabilities -------4.03 L Cr4.52 L Cr4.89 L Cr4.78 L Cr
Current Liabilities -----------
Long Term Debt -----------
Total Debt -------49,011.23 Cr47,611.41 Cr53,703.55 Cr42,789.19 Cr
Total Equity 17,697.00 Cr20,647.00 Cr23,843.00 Cr26,688.00 Cr34,748.00 Cr43,500.00 Cr-55,004.61 Cr63,207.56 Cr64,835.69 Cr65,739.63 Cr
Shares Outstanding -------77.59 Cr77.83 Cr77.91 Cr77.91 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,927.00 Cr11,569.00 Cr-20,700.00 Cr-6,389.00 Cr-12,907.00 Cr44,976.00 Cr--12,442.27 Cr-16,924.73 Cr18,277.79 Cr992.89 Cr
Investing Cash Flow -258.00 Cr-285.00 Cr-217.00 Cr-633.00 Cr1,445.00 Cr-324.00 Cr--560.16 Cr-711.27 Cr-708.58 Cr-633.73 Cr
Financing Cash Flow 2,517.00 Cr-2,768.00 Cr15,505.00 Cr8,590.00 Cr12,733.00 Cr-4,096.00 Cr-1,114.83 Cr-2,241.54 Cr4,875.50 Cr-10,911.77 Cr
Capital Expenditure -257.00 Cr-273.00 Cr-220.00 Cr-638.00 Cr-417.00 Cr-331.00 Cr--571.09 Cr-730.01 Cr-730.99 Cr-691.91 Cr
Free Cash Flow -3,184.00 Cr11,296.00 Cr-20,920.00 Cr-7,027.00 Cr-13,324.00 Cr44,645.00 Cr--13,013.37 Cr-17,654.74 Cr17,546.80 Cr300.98 Cr
Net Change in Cash -667.00 Cr8,516.00 Cr-5,412.00 Cr1,568.00 Cr1,271.00 Cr40,556.00 Cr--11,887.60 Cr-19,877.54 Cr22,444.71 Cr-10,552.61 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----------
Operating Margin % -----------
Net Margin % 19.3%19.9%20.9%14.8%15.5%10.1%-29.2%30.5%9.7%3.5%
ROE % 12.9%13.9%15.1%12.4%12.8%6.7%-13.5%14.2%4.0%1.4%
ROCE % -----------

Shareholding Pattern

Insiders
16.34%
Institutions
54.06%
Public Float
64.61%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for INDUSINDBK

Google News Fri, 26 Jun 2026

IndusInd Bank Ltd. Actuals & Estimates (NSE:INDUSINDBK) - TradingView

<a href="https://news.google.com/rss/articles/CBMiigFBVV95cUxQRjU2c3ZxZ3p0Unp0RzRxalB1VURTOS13LURBNjRTV3cwck1qV0lzV01lN2RWVUs1Z2ZGVWpkdmpuLXg3bFBfSndUdlZyOE1JUGx1MTBFb09oWEl2Q1U2Z2FpTkw0VlB4bU9XQ3RRTGFFMWpvX0JzaWJDRGpxOHFTWUlNRlItUGl0TlE?oc…

Google News Mon, 08 Jun 2026

IndusInd Bank (INDUSINDBK) Hovers Near Support as Weakness Persists; Key Levels in Focus - Breakout Stock Alerts - vinanet.vn

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Google News Fri, 28 Aug 2026

INDUSINDBK Outlook for the Week - equitypandit.com

<a href="https://news.google.com/rss/articles/CBMibkFVX3lxTE9GNVRTN25QRGZhZTlCeEZZdmt1RGNoSmVaOFhVQjFMUHBDN1RicV9OX0NlMlEteFNseU1fQVJRR182MVU2Mk80VkpWQWtET1Q5Q09NMktVRy1ST056RjhSV0EtdU9uRkgwWTB6elRB?oc=5" target="_blank">INDUSINDBK Outlook …

Google News Fri, 04 Sep 2026

INDUSINDBK Q2 2026 Earnings: Revenue Contracts 5.17% to ₹25,128.20 Crore, EPS Steady at ₹11.41 - Peak Earnings Alert - siam.in

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Google News hu, 08 Jan 2026

Investors in IndusInd Bank (NSE:INDUSINDBK) from three years ago are still down 24%, even after 3.9% gain this past week - simplywall.st

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Google News Mon, 06 Jul 2026

Nifty outlook: Buy the dips, says Angel One; likes IndusInd Bk, Zydus Life - Business Standard

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INDUSINDBK — Frequently Asked Questions

What is the current share price of IndusInd Bank Limited (INDUSINDBK)?

As of 2026-09-08 04:53 IST, IndusInd Bank Limited (INDUSINDBK) trades at ₹1,008.50 on NSE. Its 52-week range is ₹711.60 to ₹1,069.30.

What is the market capitalisation of INDUSINDBK?

IndusInd Bank Limited (INDUSINDBK) has a market capitalisation of ₹78,572.85 Cr on NSE.

What is the P/E ratio of INDUSINDBK?

INDUSINDBK trades at a trailing price-to-earnings (P/E) ratio of 88.39. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 1.21.

Does INDUSINDBK pay a dividend?

IndusInd Bank Limited (INDUSINDBK) currently offers a dividend yield of 0.15%.

What is the return on equity (ROE) of INDUSINDBK?

INDUSINDBK has a return on equity (ROE) of 1.35%.

Is INDUSINDBK a good stock to buy?

This page provides a data-driven analysis of IndusInd Bank Limited (INDUSINDBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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