IndusInd Bank – Q1 FY 26 Financial Overview
| Metric | Q1 FY 26 | Q1 FY 25 | YoY Change (%) |
| Net Profit (PAT) | 604.1 | 2,170.70 | ▼ 72% |
| Net Interest Income (NII) | 4,640 | 5,408 | ▼ 14% |
| Other / Fee Income | 2,157 | 2,442 | ▼ 12% |
| Total Income | 14,421 | 14,988 | ▼ 4% |
| Operating Expenses | 4,229 | 3,897 | ▲ 9% |
| Provisions & Contingencies | 1,760 | ~1,050¹ | N/A |
| Pre‑Provision Operating Profit (PPOP) | 2,568 | 3,952 | ▼ 35% |
| Balance Sheet Size | 539,552 | 530,165 | ▲ 2% |
| Advances (Loans) | 333,694 | 347,898 | ▼ 4% |
| Deposits | 397,144 | 398,513 | ▼ 0.3% |
| CASA as % of Deposits | 31.50% | — | — |
| Gross NPA Ratio | 3.64% | 2.02% | — |
| Net NPA Ratio | 1.12% | 0.60% | — |
| Provision Coverage Ratio (PCR) | 70% | — | — |
| Capital Adequacy Ratio (CRAR)² | 16.63% | 17.04% | — |
The profit made by the indusind bank after tax dropped by 72% compared to last year. This sharp decline is due to lower income from loans and higher provisioning (money set aside for bad loans).Net Interest Income (NII) represents the profit a bank generates from its lending activities after accounting for the interest paid to depositors.. It fell by 14%, showing the bank earned less from its lending activities.
This is the income from services like ATM fees, commissions, etc. It dropped by 12%, possibly due to reduced customer transactions. The indusind bank’s overall income from all sources dropped slightly by 4%. This is primarily due to reduced interest and fee income.
The indusind bank’s running costs (staff salaries, rent, tech expenses, etc.) rose by 9%, which added pressure on profits.This is the amount the bank set aside for future risks like bad loans. It went up sharply, meaning the bank is preparing for more loan defaults.
the profit prior to accounting for potential bad loans. It dropped by 35%, showing the bank’s core operations earned less.
The total size of the bank’s assets and liabilities grew by 2%, indicating slow growth.
The bank gave out fewer loans than last year, falling by 4%. This impacts how much interest income they earn.Deposits from customers slightly decreased. This could indicate a slowdown in customer trust or competition from other banks.
CASA stands for Current and Savings Accounts. 31.5% of deposits came from these low-cost sources, which is a decent ratio for healthy margins.This shows the total value of bad loans. A higher number (3.64%) means more customers are not repaying their loans.This shows bad loans after accounting for provisions. An increase here also means loan recovery is weaker than before.
This means the indusind bank has covered 70% of its bad loans with provisions. A higher PCR is good as it protects the bank from losses.This is the bank’s financial strength. Though slightly lower than last year, 16.63% is still well above the minimum requirement, meaning the bank is safe to lend.
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