INDUSINDBK - IndusInd Bank Ltd. Share Price

Banks

₹861.35+22.90(+2.73%)

Market Open as of May 2, 2025, 09:28 IST

What does IndusInd Bank Ltd. do?

Private Sector Bank•Financial Services•Mid Cap

IndusInd Bank is a prominent Private Sector Bank based in Mumbai, India. The company operates under the stock ticker INDUSINDBK and boasts a substantial market capitalization of Rs. 72,977.7 Crores.

IndusInd Bank engages in providing a wide array of banking products and services catering to individuals, NRIs, business owners, corporates, as well as government and financial institutions. Its operations are categorized into four main segments:

Treasury
Corporate/Wholesale Banking
Retail Banking
Other Banking Operations

The company offers a diverse range of products including:

Accounts: Current, savings, defense, and corporate salary accounts; various deposit schemes; and recurring deposits.
Loans: Home, personal, gold, and vehicle loans along with agricultural and medical equipment financing, as well as loans against properties and securities.
Transaction Services: Services such as letters of credit, cash management, remittance services, and safe deposit lockers.
Investment Products: These include demat accounts, mutual funds, and other equity trading services, along with various advisory services and insurance products.

IndusInd Bank has demonstrated strong financial performance with a trailing 12 months revenue of Rs. 59,722.1 Crores, and it has profits amounting to Rs. 7,253.4 Crores in the past year. The bank also distributes dividends to its investors, currently yielding 1.75% per year, and returned Rs. 16.5 per share in dividends over the last 12 months.

In the past three years, the bank has experienced a notable revenue growth of 58.6%, although it has also seen a dilution of shareholdings by 0.6% during this period. Established in 1994, IndusInd Bank continues to thrive as a profitable entity in the Indian banking landscape.

Industry Group:Banks

Employees:45,637

Website:www.indusind.com

Pros

Size: It is among the top 200 market size companies of india.

Balance Sheet: Strong Balance Sheet.

Profitability: Recent profitability of 12% is a good sign.

Technicals: Bullish SharesGuru indicator.

Momentum: Stock price has a strong positive momentum. Stock is up 25.5% in last 30 days.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Growth: Good revenue growth. With 58.6% growth over past three years, the company is going strong.

Cons

Smart Money: Smart money looks to be reducing their stake in the stock.

Insider Trading: Significant insider selling noticed recently.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: INDUSINDBK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

INDUSINDBK metrics compared to Banks

Category	INDUSINDBK	Banks
PE	9.01	17.72
PS	1.09	2.79
Growth	13.5 %	15 %

Performance Comparison

INDUSINDBK vs Banks (2021 - 2025)

Key Insights

1. INDUSINDBK is among the Top 10 Private Sector Bank companies but not in Top 5.
2. The company holds a market share of 4.5% in Private Sector Bank.
3. The company is growing at an average growth rate of other Private Sector Bank companies.

Cash Flow for IndusInd Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	21.1%	11,942	9,860	6,174
Depreciation	14%	425	373	321
Share-based payments	115.4%	57	27	12
Total adjustments to profit/loss	-14.8%	4,577	5,373	7,375
Change in inventories	-87.6%	-24,253.79	-12,929.57	-2,018.33
Change in trade receivables	-2.8%	-56,623.88	-55,057.58	-32,754.67
Change in trade payables	13.1%	48,355	42,757	37,476
Total adj. for working capital	-13.7%	-30,189.89	-26,554.4	5,238
Net Cashflows From Operations	-20.8%	-13,670.97	-11,321.5	18,787
Income taxes paid (refund)	184.4%	3,172	1,116	2,187
Net Cashflows From Operating Activities	-35.4%	-16,843.41	-12,437.61	16,600
Proceeds from sales of tangible assets	168.9%	17	6.95	7.02
Purchase of tangible assets	23.4%	650	527	369
Net Cashflows From Investing Activities	-21.6%	-632.76	-520.22	-361.57
Proceeds from issuing shares	187.1%	245	86	84
Proceeds from issuing debt etc	-	0	0	2,800
Proceeds from borrowings	-	90	0	0
Repayments of borrowings	188.2%	1,490	-1,688.01	6,800
Dividends paid	64.9%	1,086	659	387
Net Cashflows From Financing Activities	-301.3%	-2,241.55	1,115	-4,302.15
Net change in cash and cash eq.	-67.5%	-19,709.54	-11,763.34	11,947

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	20.6%	11,979	9,932	6,433
Depreciation	13.8%	463	407	352
Share-based payments	114.8%	59	28	12
Total adjustments to profit/loss	-13%	4,704	5,408	7,407
Change in inventories	-87.6%	-24,254.1	-12,929.93	-2,018.73
Change in trade receivables	-3%	-56,710	-55,057.58	-32,754.67
Change in trade payables	13.3%	48,465	42,771	37,479
Total adj. for working capital	-14.5%	-30,437.21	-26,586.95	5,020
Net Cashflows From Operations	-22.3%	-13,753.63	-11,246.58	18,860
Income taxes paid (refund)	165.3%	3,171	1,196	2,188
Net Cashflows From Operating Activities	-36%	-16,924.71	-12,442.29	16,672
Proceeds from sales of tangible assets	80%	19	11	8.14
Purchase of tangible assets	27.9%	730	571	414
Net Cashflows From Investing Activities	-26.9%	-711.27	-560.16	-406.16
Proceeds from issuing shares	187.1%	245	86	84
Proceeds from issuing debt etc	-	0	0	2,800
Proceeds from borrowings	-	90	0	0
Repayments of borrowings	188.2%	1,490	-1,688.01	6,800
Dividends paid	64.9%	1,086	659	387
Net Cashflows From Financing Activities	-301.3%	-2,241.55	1,115	-4,302.15
Net change in cash and cash eq.	-68.3%	-19,869.35	-11,807.96	11,975

Share Holdings

Understand IndusInd Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
Indusind International Holdings Ltd	12.06%
Icici Prudential India Opportunities Fund	5.26%
Sbi Nifty 50 Etf	3.89%
Indusind Limited	3.77%
Uti Nifty 50 Etf	3.16%
Nippon Life India Trustee Ltd-A/C Nippon India Etf Nifty Bank Bees	2.99%
Government Pension Fund Global	2.14%
Route One Offshore Master Fund, L.P.	1.73%
Mirae Asset Large Cap Fund	1.52%
Bridge India Fund	1.49%
Bandhan Sterling Value Fund	1.32%
Overseas Corporate Bodies	0.1%
Director or Director's Relatives	0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Investor Care
Dividend Yield	1.75%
Dividend/Share (TTM)	16.5
Shares Dilution (1Y)	0.17%
Diluted EPS (TTM)	93.07

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Valuation
Market Cap	65.32 kCr
Price/Earnings (Trailing)	9.01
Price/Sales (Trailing)	1.09
EV/EBITDA	1.69
Price/Free Cashflow	-4.77
MarketCap/EBT	6.75

Fundamentals
Revenue (TTM)	59.72 kCr
Rev. Growth (Yr)	8.5%
Rev. Growth (Qtr)	1.91%
Earnings (TTM)	7.25 kCr
Earnings Growth (Yr)	-39.07%
Earnings Growth (Qtr)	5.34%

Profitability
Operating Margin	25.51%
EBT Margin	16.19%
Return on Equity	1.33%
Return on Assets	0.01%
Free Cashflow Yield	-20.96%

Revenue Breakdown

Analysis of IndusInd Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Revenue

Last Updated: Dec 31, 2024

Description	Share	Value
Retail Banking	65.6%	11.3 kCr
Corporate / Wholesale Banking	19.4%	3.3 kCr
Treasury Operations	15.1%	2.6 kCr
Total		17.2 kCr

Income Statement for IndusInd Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	0.8%	10,493	10,406	10,352	10,209	9,694	9,379
Revenue on investments	8%	2,006	1,857	1,802	1,653	1,589	1,560
Interest on balances with RBI and others	-33.4%	248	372	344	288	236	254
Other interest	2%	53	52	48	48	53	55
Total interest earned	0.9%	12,801	12,686	12,547	12,199	11,572	11,248
Other income	7.6%	2,350	2,184	2,441	2,500	2,396	2,282
Total income	1.9%	15,151	14,870	14,988	14,699	13,968	13,530
Total expenditure	2.4%	11,552	11,278	11,061	10,672	9,966	9,649
Interest expended	3.2%	7,573	7,339	7,139	6,822	6,277	6,171
Employees cost	-2.1%	1,070	1,093	1,040	1,049	1,027	957
Other operating expenses	2.2%	2,910	2,847	2,883	2,801	2,663	2,521
Operating expenses	1%	3,979	3,939	3,922	3,850	3,689	3,478
Operating profit	0.2%	3,599	3,592	3,927	4,027	4,002	3,881
Provisions other than tax and contingencies	-4.2%	1,744	1,820	1,050	899	934	974
Profit before tax	4.7%	1,855	1,772	2,877	3,128	3,068	2,907
Tax expense	1.8%	454	446	725	781	770	726
Profit after tax	5.7%	1,401	1,325	2,152	2,347	2,298	2,181
Net profit (loss) for the period	5.7%	1,401	1,325	2,152	2,347	2,298	2,181
Reserve excluding revaluation reserves	-	-	-	-	61,723	-	-
CET 1 ratio	0%	0.1518	0.1521	0.1615	0.1582	0.1607	0.1633
Additional tier 1 ratio	-	0	0	0	0	04	043
Gross non performing assets	9.6%	8,375	7,639	7,127	6,693	6,377	6,164
Non performing assets	9.4%	2,496	2,282	2,095	1,969	1,875	1,814
Return on assets	-	0	0	0.0168	0.019	0.0193	0.0188

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	27.3%	38,119	29,945	25,143	24,085	24,008	18,257
Revenue on investments	32.2%	6,202	4,692	4,053	3,846	4,282	3,677
Interest on balances with RBI and others	-19.8%	1,157	1,442	1,288	677	192	102
Other interest	-6.6%	270	289	338	391	300	225
Total interest earned	25.8%	45,748	36,368	30,822	29,000	28,783	22,261
Other income	15%	9,388	8,166	7,397	6,559	6,951	5,647
Total income	23.8%	55,136	44,534	38,219	35,558	35,734	27,908
Total expenditure	30.5%	39,396	30,188	25,381	23,832	24,961	19,820
Interest expended	33.9%	25,132	18,776	15,822	15,472	16,724	13,415
Employees cost	28.5%	3,895	3,031	2,488	2,214	2,208	1,854
Other operating expenses	23.7%	10,368	8,381	7,071	6,146	6,029	4,551
Operating expenses	25%	14,263	11,412	9,559	8,360	8,237	6,405
Operating profit	9.7%	15,740	14,346	12,839	11,727	10,773	8,088
Provisions other than tax and contingencies	-15.3%	3,799	4,487	6,665	7,943	4,652	3,108
Profit before tax	21.1%	11,942	9,860	6,174	3,784	6,121	4,981
Tax expense	21.1%	2,992	2,470	1,563	948	1,703	1,679
Profit after tax	21.1%	8,950	7,390	4,611	2,836	4,418	3,301
Net profit (loss) for the period	21.1%	8,950	7,390	4,611	2,836	4,418	3,301
CET 1 ratio	-0.1%	0.1582	0.1593	0.1596	0.1555	0.1322	0.1207
Additional tier 1 ratio	-0.4%	0	044	084	0.0128	0.0135	0.0163
Gross non performing assets	14.9%	6,693	5,826	5,517	5,795	5,147	3,947
Non performing assets	14.8%	1,969	1,715	1,530	1,477	1,887	2,248
Return on assets	0.1%	0.019	0.0181	0.0128	09	0.0154	056

Consolidated figures (in Rs. Crores) / View Standalone Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	0.8%	10,493	10,406	10,352	10,209	9,694	9,379
Revenue on investments	8%	2,006	1,857	1,802	1,653	1,589	1,560
Interest on balances with RBI and others	-33.4%	248	372	344	288	236	254
Other interest	2%	53	52	48	48	53	55
Total interest earned	0.9%	12,801	12,686	12,547	12,199	11,572	11,248
Other income	7.8%	2,355	2,185	2,442	2,508	2,396	2,282
Total income	1.9%	15,156	14,871	14,988	14,707	13,968	13,530
Total expenditure	2.5%	11,555	11,271	11,037	10,625	9,926	9,621
Interest expended	3.2%	7,573	7,339	7,139	6,822	6,277	6,171
Employees cost	-1.5%	1,483	1,505	1,438	1,410	1,391	1,338
Other operating expenses	3%	2,500	2,427	2,459	2,393	2,258	2,112
Operating expenses	1.3%	3,982	3,932	3,897	3,803	3,649	3,450
Operating profit	0%	3,601	3,600	3,952	4,082	4,042	3,909
Provisions other than tax and contingencies	-4.2%	1,744	1,820	1,050	950	969	974
Profit before tax	4.3%	1,857	1,780	2,902	3,131	3,073	2,935
Tax expense	1.6%	455	448	731	782	772	733
Profit after tax	5.3%	1,402	1,331	2,171	2,349	2,301	2,202
Net profit (loss) for the period	5.3%	1,402	1,331	2,171	2,349	2,301	2,202
Reserve excluding revaluation reserves	-	-	-	-	62,134	-	-
CET 1 ratio	0%	0.1518	0.1521	0.1615	0.1582	0.1607	0.1633
Additional tier 1 ratio	-	0	0	0	0	04	043
Gross non performing assets	9.6%	8,375	7,639	7,127	6,693	6,377	6,164
Non performing assets	9.4%	2,496	2,282	2,095	1,969	1,875	1,814
Return on assets	-	0	0	0.017	0.019	0.0193	0.019

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	27.3%	38,119	29,945	25,143	24,085	24,008	-
Revenue on investments	32.2%	6,202	4,692	4,053	3,846	4,282	-
Interest on balances with RBI and others	-19.8%	1,157	1,442	1,288	677	192	-
Other interest	-6.6%	270	289	338	391	300	-
Total interest earned	25.8%	45,748	36,368	30,822	29,000	28,783	-
Other income	15%	9,396	8,173	7,408	6,501	6,953	-
Total income	23.8%	55,144	44,541	38,230	35,501	35,736	-
Total expenditure	30.4%	39,280	30,122	25,132	23,629	24,907	-
Interest expended	33.9%	25,132	18,776	15,822	15,472	16,724	-
Employees cost	28.6%	5,374	4,179	3,474	3,039	2,820	-
Other operating expenses	22.4%	8,774	7,167	5,837	5,118	5,363	-
Operating expenses	24.7%	14,148	11,346	9,311	8,157	8,183	-
Operating profit	10%	15,864	14,419	13,098	11,872	10,829	-
Provisions other than tax and contingencies	-13.4%	3,885	4,487	6,665	7,943	4,652	-
Profit before tax	20.6%	11,979	9,932	6,433	3,929	6,177	-
Tax expense	20.6%	3,002	2,489	1,628	1,000	1,719	-
Profit after tax	20.6%	8,977	7,443	4,805	2,930	4,458	-
Net profit (loss) for the period	20.6%	8,977	7,443	4,805	2,930	4,458	-
CET 1 ratio	-0.1%	0.1582	0.1593	0.1596	0.1555	0.1322	-
Additional tier 1 ratio	-0.4%	0	044	084	0.0128	0.0135	-
Gross non performing assets	14.9%	6,693	5,826	5,517	5,795	5,147	-
Non performing assets	14.8%	1,969	1,715	1,530	1,477	1,887	-
Return on assets	0.1%	0.0191	0.0182	0.0133	093	0.0156	-

Balance Sheet for IndusInd Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1055060000%	5,432,863,900,000	514,935	477,757	457,804	426,488	401,975
Cash balances with RBI	58%	29,327	18,557	30,093	42,961	47,848	15,641
Investments	4.5%	111,355	106,527	94,468	83,116	76,034	70,971
Advances	4%	357,159	343,298	315,454	289,924	260,129	239,052
Fixed assets	3.3%	2,270	2,198	2,080	1,993	1,870	1,849
Other assets	2.2%	26,686	26,111	25,469	26,260	29,511	21,829
Capital	0.1%	779	778	777	820	775	775
Reserves and surplus	4%	64,488	62,019	57,212	53,801	49,733	46,923
Deposits	7.2%	412,679	384,793	359,786	336,438	315,921	293,681
Borrowings	-6.1%	44,716	47,611	40,530	49,011	40,673	47,323
Other liabilities and provisions	4.5%	20,624	19,734	19,451	17,733	19,386	13,273
Total capital and liabilities	5.5%	543,286	514,935	477,757	457,804	426,488	401,975

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1054970000%	5,434,065,300,000	515,094	477,922	457,837	426,575	401,967
Cash balances with RBI	58.5%	29,420	18,561	30,095	42,975	47,922	15,698
Investments	4.5%	111,315	106,486	94,427	83,076	75,994	70,930
Advances	4%	357,159	343,298	315,454	289,924	260,129	239,052
Fixed assets	4%	2,416	2,324	2,173	2,079	1,960	1,929
Other assets	1.6%	26,500	26,078	25,492	25,982	29,268	21,472
Capital	-11.7%	779	882	777	820	775	775
Reserves and surplus	4.2%	64,923	62,326	57,617	54,184	50,109	47,252
Deposits	7.2%	412,397	384,586	359,548	336,120	315,532	293,349
Borrowings	-6.1%	44,716	47,611	40,530	49,011	40,673	47,323
Other liabilities and provisions	4.6%	20,592	19,689	19,450	17,701	19,486	13,268
Total capital and liabilities	5.5%	543,407	515,094	477,922	457,837	426,575	401,967

Is IndusInd Bank Better than it's peers?

Detailed comparison of IndusInd Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
HDFCBANK	HDFC BankPrivate Sector Bank	14.71 LCr	4.75 LCr	+5.79%	+26.55%	20.73	3.1	+39.40%	+18.16%
ICICIBANK	ICICI BankPrivate Sector Bank	10.04 LCr	2.82 LCr	+5.14%	+23.66%	19.29	3.56	+26.59%	+21.03%
KOTAKBANK	Kotak Mahindra BankPrivate Sector Bank	4.39 LCr	1.04 LCr	+2.71%	+35.97%	19.7	4.23	+19.19%	+29.05%
AXISBANK	AXIS BankPrivate Sector Bank	3.67 LCr	1.54 LCr	+6.39%	+1.64%	13	2.39	+18.05%	+110.10%
FEDERALBNK	Federal BankPrivate Sector Bank	48.26 kCr	31.02 kCr	+2.17%	+20.91%	11.87	1.56	+22.08%	+4.39%
IDFCFIRSTB	IDFC FIRST BANKPrivate Sector Bank	47.51 kCr	42.03 kCr	+15.93%	-21.01%	31.88	1.09	+19.92%	-49.35%

Latest News and Updates from IndusInd Bank

Updated May 1, 2025

IndusInd Bank's shares saw a nearly 3% rise after news of a potential increase in stake by IIHL's Chairman, Ashok P Hinduja. This move comes after IIHL received approval from the RBI to raise its stake from 15% to 26%. However, concerns have emerged regarding discrepancies in the bank's derivatives portfolio, which could negatively affect its net worth.

The Bad News

Moneycontrol

The bank disclosed discrepancies in its derivatives portfolio, which may impact its net worth negatively.

Moneycontrol

Concerns about the bank's derivatives portfolio could overshadow the positive news regarding stake acquisition.

Moneycontrol

The fluctuations in the stock may raise questions about the bank's financial stability amidst the recent announcements.

The Good News

Moneycontrol

IndusInd Bank shares rose nearly 3% following news that Ashok P Hinduja plans to increase his stake in the bank.

Moneycontrol

IIHL has received in-principal approval from the RBI to raise its stake in IndusInd Bank from 15% to 26%.

Moneycontrol

Hinduja expressed confidence in the timing of this decision following the acquisition of Reliance Capital.

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

Price to Sales Ratio

Latest reported: ₹1

Revenue (Last 12 mths)

Latest reported: ₹6 kCr

Net Income (Last 12 mths)

Latest reported: ₹7 kCr

INDUSINDBK - IndusInd Bank Ltd. Share Price

What does IndusInd Bank Ltd. do?

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Investor Care

Financial Health

Valuation

Fundamentals

Profitability

The Bad News

The Good News

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Updates from IndusInd Bank