IndusInd Bank Ltd.
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, RFC, and uniformed personnel accounts; current accounts comprising smart, everyday, premium, trade, startup, and specialized accounts; fixed, recurring, sweep in/out, senior citizen fixed, NRE and NRO fixed, FCNR, and term deposits; vehicle, used and new car, two wheeler, home, gold, agri, personal, doctor professional, medical equipment, term, quick business, SME, and MSME loans; loans against property and securities; loans on credit card; and microfinance, working capital, and trade and export finance. It also provides debit, credit, prepaid, commercial, forex, duo, corporate, and business cards; life, health, and general insurance; safe deposit lockers; payment and financial inclusion products; foreign exchange services, including inward and outward remittances, and online forex portals; digital banking; and online vehicle auction services. In addition, the company offers mutual funds; bill payment; money transfer; NRI services; merchant solutions comprising POS terminal, payment gateway, digital rupee, and QR; 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; foreign exchange advisory; derivatives, such as currency, interest rate, and exchange-traded derivatives; debt capital markets, bullions, research, and online platforms; and correspondent and inclusive banking. IndusInd Bank Limited was incorporated in 1994 and is headquartered in Mumbai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 15.2%
Concerns1
- Low return on equity of 4.1%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (₹ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (₹ Crores, last 1 year)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | ₹48.67 K Cr | — | ₹2.64 K Cr | — | — | — | 6.4% | -70.5% |
Showing the latest year only. Sign up free for the full history.
Financial Statements
Income statement, balance sheet, and cash flow (₹ Crores, as reported)
Showing the latest year only. Sign up free for the full history.
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 47,307 |
| Finance Costs | 29,982 |
| Total Expenses | 24,903 |
| Financing Profit | -7,577 |
| Financing Margin % | -16% |
| Other Income | 6,863 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | -714 |
| Tax % | - |
| Net Profit / PAT | -595 |
| EPS (₹) | -7.64 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| IndusInd Bank Ltd.this co. | ₹70.92 K Cr | ₹48.67 K Cr | — | 1.10 | — | 6.4% |
| HDFC Bank Ltd. | ₹14.43 L Cr | ₹3.01 L Cr | 20.30 | 2.78 | — | 16.3% |
| ICICI Bank Ltd. | ₹10.28 L Cr | ₹1.63 L Cr | 20.70 | 3.32 | — | 14.3% |
| State Bank Of India | ₹9.49 L Cr | ₹4.62 L Cr | 13.30 | 1.83 | — | 11.4% |
| Bajaj Finance Limited | ₹5.91 L Cr | ₹61.95 K Cr | 36.80 | 6.33 | — | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | ₹5.26 L Cr | ₹8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | ₹4.24 L Cr | ₹52.92 K Cr | 31.70 | 3.39 | — | 15.5% |
| Industry Average | — | ₹30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |