Indusind Bank Ltd
INDUSINDBK
Banks
₹ 740.50
Price
₹ 57,706
Market Cap
Large Cap
49.11
P/E Ratio
📊 Score Snapshot
8.09 / 25
Performance
23.0 / 25
Valuation
1.6 / 20
Growth
7.0 / 30
Profitability
39.68 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 207.73 | -272.93 | -247.02 | 126.31 | 465.62 | -246.30 | -155.58 | -369.11 |
| Adj Cash PAT | 16,186 | -21,242 | -19,166 | 9,785 | 36,002 | -17,084 | -9,377 | -22,154 |
| Adj Cash PAT To PAT | 6.12 | -2.37 | -2.59 | 2.12 | 12.69 | -3.87 | -2.84 | -6.13 |
| Adj Cash PE | 3.29 | - | - | 7.67 | 2.13 | - | - | - |
| Adj EPS | 33.92 | 114.97 | 95.22 | 59.51 | 36.69 | 63.60 | 54.76 | 60.17 |
| Adj Number Of Shares | 77.92 | 77.83 | 77.59 | 77.47 | 77.32 | 69.36 | 60.27 | 60.02 |
| Adj PE | 20.13 | 13.50 | 11.21 | 16.27 | 27.07 | 4.92 | 32.28 | 30.36 |
| Adj Peg | - | 0.65 | 0.19 | 0.26 | - | 0.30 | - | 1.19 |
| Bvps | 825.85 | 806.85 | 703.98 | 615.70 | 560.85 | 500.39 | 442.77 | 397.22 |
| Cash Revenue | 48,668 | 91,496 | 72,736 | 61,644 | 58,000 | 57,566 | 44,522 | 34,562 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | - | 1.04 | 1.34 | 0.86 | 0.52 | - | 0.43 | 0.40 |
| Fcfe | 21,631 | -22,850 | -17,625 | 2,944 | 26,582 | -4,580 | -752.66 | -22,162 |
| Fcfe Margin | 44.45 | -24.97 | -24.23 | 4.78 | 45.83 | -7.96 | -1.69 | -64.12 |
| Fcfe To Adj PAT | 8.18 | -2.55 | -2.39 | 0.64 | 9.37 | -1.04 | -0.23 | -6.14 |
| Market Cap | 53,196 | 120,823 | 82,862 | 75,037 | 76,802 | 21,724 | 106,554 | 109,485 |
| PB | 0.83 | 1.92 | 1.52 | 1.57 | 1.77 | 0.63 | 3.99 | 4.59 |
| PE | 20.13 | 13.50 | 11.21 | 16.27 | 27.08 | 4.92 | 32.28 | 30.36 |
| Peg | - | 0.65 | 0.19 | 0.26 | - | 0.30 | - | 1.20 |
| PS | 1.09 | 1.32 | 1.14 | 1.22 | 1.32 | 0.38 | 2.39 | 3.17 |
| ROE | 4.16 | 15.24 | 14.44 | 10.13 | 7.27 | 14.37 | 13.06 | 16.24 |
| Share Price | 682.70 | 1,552 | 1,068 | 968.60 | 993.30 | 313.20 | 1,768 | 1,824 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 11,609 | 12,264 | 10,634 | 25,602 | 25,372 | 25,094 | 24,398 | 23,144 | 22,496 | 21,460 | 20,042 | 18,914 | 17,416 | 16,364 |
| Interest | 7,199 | 7,624 | 7,586 | 7,573 | 7,339 | 7,139 | 6,822 | 6,277 | 6,171 | 5,863 | 5,351 | 4,962 | 4,406 | 4,057 |
| Expenses - | 6,644 | 5,882 | 6,646 | 5,723 | 5,759 | 4,972 | 4,749 | 4,623 | 4,451 | 4,238 | 4,097 | 3,956 | 3,934 | 3,911 |
| Financing Profit | -2,235 | -1,242 | -3,598 | -495.00 | -412.00 | 436.00 | 628.00 | 672.00 | 625.00 | 629.00 | 572.00 | 539.00 | 368.00 | 214.00 |
| Financing Margin % | -19.25 | -10.13 | -33.83 | -1.93 | -1.62 | 1.74 | 2.57 | 2.90 | 2.78 | 2.93 | 2.85 | 2.85 | 2.11 | 1.31 |
| Other Income - | 1,651 | 2,156 | 709.00 | 2,350 | 2,184 | 2,441 | 2,500 | 2,396 | 2,282 | 2,210 | 2,151 | 2,076 | 2,011 | 1,929 |
| Profit Before Tax | -584.00 | 914.00 | -2,889 | 1,855 | 1,772 | 2,877 | 3,128 | 3,068 | 2,907 | 2,838 | 2,723 | 2,616 | 2,379 | 2,143 |
| Tax % | 25.17 | 25.16 | 22.60 | 24.47 | 25.23 | 25.20 | 24.97 | 25.10 | 24.97 | 25.16 | 25.05 | 25.11 | 24.88 | 25.20 |
| Net Profit - | -437.00 | 684.00 | -2,236 | 1,401 | 1,325 | 2,152 | 2,347 | 2,298 | 2,181 | 2,124 | 2,041 | 1,959 | 1,787 | 1,603 |
| Profit Excl Exceptional | -437.00 | 684.00 | -2,236 | 1,401 | 1,325 | 2,152 | 2,347 | 2,298 | 2,181 | 2,124 | 2,041 | 1,959 | 1,787 | 1,603 |
| Profit For PE | -437.00 | 684.00 | -2,236 | 1,401 | 1,325 | 2,152 | 2,347 | 2,298 | 2,181 | 2,124 | 2,041 | 1,959 | 1,787 | 1,603 |
| Profit For EPS | -437.00 | 684.00 | -2,236 | 1,401 | 1,325 | 2,152 | 2,347 | 2,298 | 2,181 | 2,124 | 2,041 | 1,959 | 1,787 | 1,603 |
| EPS In Rs | -5.61 | 8.78 | -28.70 | 17.99 | 17.01 | 27.64 | 30.15 | 29.55 | 28.07 | 27.37 | 26.30 | 25.27 | 23.05 | 20.68 |
| PAT Margin % | -3.76 | 5.58 | -21.03 | 5.47 | 5.22 | 8.58 | 9.62 | 9.93 | 9.70 | 9.90 | 10.18 | 10.36 | 10.26 | 9.80 |
| PBT Margin | -5.03 | 7.45 | -27.17 | 7.25 | 6.98 | 11.46 | 12.82 | 13.26 | 12.92 | 13.22 | 13.59 | 13.83 | 13.66 | 13.10 |
| Tax | -147.00 | 230.00 | -653.00 | 454.00 | 447.00 | 725.00 | 781.00 | 770.00 | 726.00 | 714.00 | 682.00 | 657.00 | 592.00 | 540.00 |
| Yoy Profit Growth % | -133.00 | -68.00 | -195.00 | -39.00 | -39.00 | 1.00 | 15.00 | 17.00 | 22.00 | 32.00 | 50.00 | 69.00 | 60.00 | 64.00 |
| Adj PAT | -437.00 | 684.00 | -2,236 | 1,401 | 1,325 | 2,152 | 2,347 | 2,298 | 2,181 | 2,124 | 2,041 | 1,959 | 1,787 | 1,603 |
| Adj PAT Margin | -3.76 | 5.58 | -21.03 | 5.47 | 5.22 | 8.58 | 9.62 | 9.93 | 9.70 | 9.90 | 10.18 | 10.36 | 10.26 | 9.80 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 48,668 | 91,496 | 72,736 | 61,644 | 58,000 | 57,566 | 44,522 | 34,562 | 28,812 | 23,744 | 19,384 | 16,508 |
| Interest | 29,636 | 25,132 | 18,776 | 15,822 | 15,472 | 16,724 | 13,415 | 9,783 | 8,343 | 7,355 | 6,272 | 5,363 |
| Expenses - | 23,101 | 17,638 | 15,525 | 15,840 | 15,997 | 12,611 | 9,283 | 6,555 | 5,684 | 4,188 | 3,133 | 2,555 |
| Financing Profit | -4,069 | 2,978 | 2,067 | -839.00 | -2,469 | -553.00 | -437.00 | 942.00 | 379.00 | 329.00 | 288.00 | 335.00 |
| Financing Margin % | -8.36 | 3.25 | 2.84 | -1.36 | -4.26 | -0.96 | -0.98 | 2.73 | 1.32 | 1.39 | 1.49 | 2.03 |
| Other Income - | 7,684 | 9,391 | 8,169 | 7,335 | 6,557 | 6,960 | 5,648 | 4,742 | 4,168 | 3,290 | 2,550 | 1,890 |
| Exceptional Items | - | -3.00 | -3.00 | -1.00 | 1.00 | -9.00 | -1.00 | 8.00 | 3.00 | 7.00 | -2.00 | - |
| Depreciation | - | 425.00 | 373.00 | 321.00 | 305.00 | 278.00 | 229.00 | 212.00 | 191.00 | 157.00 | 127.00 | 98.00 |
| Profit Before Tax | 3,615 | 11,942 | 9,860 | 6,174 | 3,784 | 6,121 | 4,981 | 5,481 | 4,360 | 3,469 | 2,709 | 2,128 |
| Tax % | 26.89 | 25.05 | 25.05 | 25.32 | 25.05 | 27.82 | 33.73 | 34.21 | 34.22 | 34.10 | 33.78 | 33.83 |
| Net Profit - | 2,643 | 8,950 | 7,390 | 4,611 | 2,836 | 4,418 | 3,301 | 3,606 | 2,868 | 2,286 | 1,794 | 1,408 |
| Exceptional Items At | - | -2.00 | -2.00 | -1.00 | 1.00 | -6.00 | -1.00 | 5.00 | 2.00 | 4.00 | -1.00 | - |
| Profit Excl Exceptional | 2,643 | 8,952 | 7,392 | 4,612 | 2,836 | 4,424 | 3,302 | 3,601 | 2,866 | 2,282 | 1,795 | 1,408 |
| Profit For PE | 2,643 | 8,952 | 7,392 | 4,612 | 2,836 | 4,424 | 3,302 | 3,601 | 2,866 | 2,282 | 1,795 | 1,408 |
| Profit For EPS | 2,643 | 8,950 | 7,390 | 4,611 | 2,836 | 4,418 | 3,301 | 3,606 | 2,868 | 2,286 | 1,794 | 1,408 |
| EPS In Rs | 33.92 | 114.99 | 95.24 | 59.52 | 36.68 | 63.70 | 54.77 | 60.08 | 47.95 | 38.43 | 33.88 | 26.80 |
| Dividend Payout % | - | 14.00 | 15.00 | 14.00 | 14.00 | - | 14.00 | 12.00 | 13.00 | 12.00 | 12.00 | 13.00 |
| PAT Margin % | 5.43 | 9.78 | 10.16 | 7.48 | 4.89 | 7.67 | 7.41 | 10.43 | 9.95 | 9.63 | 9.26 | 8.53 |
| PBT Margin | 7.43 | 13.05 | 13.56 | 10.02 | 6.52 | 10.63 | 11.19 | 15.86 | 15.13 | 14.61 | 13.98 | 12.89 |
| Tax | 972.00 | 2,992 | 2,470 | 1,563 | 948.00 | 1,703 | 1,680 | 1,875 | 1,492 | 1,183 | 915.00 | 720.00 |
| Adj PAT | 2,643 | 8,948 | 7,388 | 4,610 | 2,837 | 4,412 | 3,300 | 3,611 | 2,870 | 2,291 | 1,793 | 1,408 |
| Adj PAT Margin | 5.43 | 9.78 | 10.16 | 7.48 | 4.89 | 7.66 | 7.41 | 10.45 | 9.96 | 9.65 | 9.25 | 8.53 |
🏦 Balance Sheet
| Metric | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 2,708 | - | 2,417 | 2,199 | 1,870 | 1,746 | 1,408 | 1,207 | 1,015 |
| Average Total Assets | 534,476 | 486,370 | - | 429,890 | 382,474 | 335,016 | 292,438 | 249,722 | 200,137 | 160,772 |
| Average Total Equity | 63,574 | 58,710 | - | 51,160 | 45,532 | 39,036 | 30,696 | 25,264 | 22,244 | 19,171 |
| Borrowing | 53,704 | 47,611 | - | 49,011 | 47,323 | 51,323 | 60,754 | 47,321 | 38,289 | 21,454 |
| Cwip | - | 197.00 | - | 135.00 | 95.00 | 75.00 | 78.00 | 22.00 | 25.00 | 28.00 |
| Cash Equivalents | 50,889 | 17,334 | - | 41,736 | 58,871 | 16,522 | 12,274 | 8,997 | 9,893 | 6,613 |
| Deposits | 411,078 | 384,793 | - | 336,438 | 293,681 | 256,205 | 202,040 | 194,868 | 151,639 | 127,572 |
| Fixed Assets | 2,356 | 2,001 | - | 1,857 | 1,754 | 1,734 | 1,742 | 1,688 | 1,313 | 1,307 |
| Gross Block | - | 4,708 | - | 4,274 | 3,953 | 3,604 | 3,488 | 3,096 | 2,521 | 2,322 |
| Investments | 114,497 | 106,527 | - | 83,116 | 70,971 | 69,695 | 59,980 | 59,266 | 50,077 | 36,702 |
| Loans N Advances | 345,019 | 745.00 | - | 97.00 | 1,213 | 756.00 | 1,511 | 1,241 | 819.00 | 687.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 47,321 | 38,289 | 22,454 |
| Net Debt | -165,386 | 308,543 | - | 260,597 | 211,163 | 221,311 | 190,539 | 173,926 | 129,958 | 105,711 |
| Other Asset Items | 41,258 | 388,132 | - | 330,863 | 269,071 | 274,190 | 231,473 | 206,606 | 159,498 | 133,311 |
| Other Borrowings | - | 432,404 | - | 385,449 | 341,005 | 307,528 | 262,793 | 194,868 | 151,639 | 126,572 |
| Other Liability Items | 24,887 | 18,339 | - | 16,588 | 12,429 | 11,418 | 9,081 | 8,371 | 7,189 | 8,376 |
| Reserves | 63,571 | 62,019 | - | 53,846 | 46,923 | 42,592 | 34,013 | 26,083 | 23,241 | 20,048 |
| Share Capital | 779.00 | 778.00 | 777.00 | 776.00 | 775.00 | 773.00 | 694.00 | 603.00 | 600.00 | 598.00 |
| Total Assets | 554,018 | 514,935 | - | 457,804 | 401,975 | 362,973 | 307,058 | 277,819 | 221,626 | 178,648 |
| Total Borrowings | - | 432,404 | - | 385,449 | 341,005 | 307,528 | 262,793 | 242,189 | 189,928 | 149,026 |
| Total Equity | 64,350 | 62,797 | 777.00 | 54,622 | 47,698 | 43,365 | 34,707 | 26,686 | 23,841 | 20,646 |
| Total Equity And Liabilities | 554,018 | 514,935 | - | 457,804 | 401,975 | 362,973 | 307,058 | 277,819 | 221,626 | 178,648 |
| Total Liabilities | 489,668 | 452,138 | -777.00 | 403,182 | 354,277 | 319,608 | 272,351 | 251,133 | 197,785 | 158,002 |
| Trade Payables | - | 1,394 | - | 1,145 | 844.00 | 662.00 | 477.00 | 574.00 | 668.00 | 600.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 4,876 | -2,242 | 1,115 | -4,302 | -4,096 | 12,733 | 8,590 | 15,505 |
| Cash From Investing Activity | -647.00 | -625.00 | -441.00 | -351.00 | -226.00 | 526.00 | -633.00 | -217.00 |
| Cash From Operating Activity | 18,113 | -16,843 | -12,438 | 16,600 | 44,646 | -12,039 | -6,389 | -20,700 |
| Cash Paid For Loan Advances | -4,753 | -56,624 | -55,058 | -32,755 | -13,146 | -20,944 | -44,374 | -32,928 |
| Cash Paid For Purchase Of Fixed Assets | -662.00 | -650.00 | -527.00 | -369.00 | -303.00 | -404.00 | -643.00 | -236.00 |
| Cash Paid For Redemption Of Debentures | - | -1,490 | -1,000 | -1,500 | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | - | -5,300 | -9,431 | - | - | - |
| Cash Receipts From Deposits | 411,078 | 384,793 | 336,438 | 293,681 | 256,205 | 202,040 | 194,868 | 151,639 |
| Cash Received From Borrowings | 6,092 | 90.00 | 2,688 | - | - | 12,625 | 9,032 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | - | - |
| Cash Received From Issue Of Shares | 68.00 | 245.00 | 86.00 | 2,884 | 5,335 | 61.00 | 101.00 | 102.00 |
| Cash Received From Sale Of Fixed Assets | 15.00 | 17.00 | 7.00 | 7.00 | 9.00 | 4.00 | 6.00 | 16.00 |
| Change In Other Working Capital Items | -7,990 | -21,921 | -14,254 | 454.00 | -7,854 | -7,877 | -11,532 | -17,905 |
| Change In Working Capital | 13,543 | -30,190 | -26,554 | 5,175 | 33,165 | -21,495 | -12,677 | -25,765 |
| Direct Taxes Paid | -2,941 | -3,172 | -1,116 | -2,187 | -730.00 | -2,061 | -2,324 | -1,975 |
| Dividends Paid | -1,285 | -1,086 | -659.00 | -387.00 | - | -627.00 | -543.00 | -432.00 |
| Dividends Received | - | - | - | - | 60.00 | - | - | - |
| Interest Paid | - | - | - | - | - | - | - | - |
| Net Cash Flow | 22,341 | -19,710 | -11,763 | 11,947 | 40,324 | 1,220 | 1,568 | -5,412 |
| Operating Deposits | 26,285 | 48,355 | 42,757 | 37,476 | 54,165 | 7,325 | 43,229 | 25,067 |
| Other Cash Financing Items Paid | - | - | - | - | - | 674.00 | - | 15,835 |
| Other Cash Investing Items Paid | - | 8.00 | 80.00 | 11.00 | 7.00 | 926.00 | 5.00 | 2.00 |
| Profit From Operations | 7,511 | 16,519 | 15,233 | 13,612 | 12,210 | 11,517 | 8,613 | 7,040 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Indusindbk | 2025-09-30 | - | 34.32 | 31.57 | 17.91 | 0.00 |
| Indusindbk | 2025-06-30 | - | 33.68 | 33.18 | 16.92 | 0.00 |
| Indusindbk | 2025-03-31 | - | 29.53 | 36.32 | 17.94 | 0.00 |
| Indusindbk | 2024-12-31 | - | 24.74 | 42.43 | 16.16 | 0.00 |
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