The bank has also approved a final dividend of Rs 1.5 per share for the year ended March 2026. The record date for determining the eligibility of members entitled to receive the said dividend will be June 26.
The bank delivered a strong operating performance, with pre-provision operating coming at Rs 2,215 crore as against a loss of Rs 472 crore a year ago. Sequentially, the operating profit fell marginally from Rs 2,306 crore in Q3
“At IndusInd Bank, we are seeing improved growth momentum across businesses, supported by focused execution and strengthening fundamentals. In our microfinance portfolio, lower slippages during the quarter have contributed to better asset quality,” said Rajiv Anand, the MD and CEO.
The net interest income, which is the difference between interest earned and expended, rose 43% YoY to Rs 4,371 crore. The same stood at Rs 3,049 crore in the last year period.
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Asset quality worsened marginally, where Gross NPAs (non-performing assets) rose to 3.43% of gross advances as on March 2026, as against 3.13% as on March 2025. Net NPAs too increased to 1%, as compared to 0.95% as at the previous fiscal period.
The provision coverage ratio stood at 71.45% at the end of the March quarter. Provisions and contingencies (other
than tax) for the quarter ended March 2026 increased to Rs 7,969 crore from Rs 7,136 crore for the
corresponding quarter of the previous year.
The Bank’s total capital adequacy ratio as per Basel III guidelines stands at 17.48% as of March 2026, as compared to 16.24% previous year. Tier 1 CRAR was at 16.2% as against 15.1% a year earlier. Risk-weighted assets, meanwhile, declined to Rs 3.93 lakh crore from Rs 4.19 lakh crore a year ago.
As of March 2026, the Bank’s distribution network included 3,136 branches and 2,870 onsite and offsite ATMs. The client base stood at 4.2 crore.
Deposits at the end of the March quarter declined to Rs 3.99 lakh crore as against Rs 4.1 lakh crore the previous year. CASA deposits stood at Rs 1.24 lakh crore, with current account deposits at Rs 35,034 crore and savings account deposits of Rs 89,899 crore.
Advances, meanwhile, too fell to Rs 3.15 lakh crore at the end of FY26 as against Rs 3.45 lakh crore, as of March 2025.
“The balance sheet remains well supported, with capital adequacy of 17.48% and strong liquidity. While geopolitical uncertainties persist, India’s growth outlook remains stable, and we remain focused on participating in this growth in a prudent and sustainable manner,” said Rajiv Anand.
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