| EBITDA Margin: guided vs achieved | 4.29% achieved Guided 4.15%–4.25%, 0.9% above the top of the range; confirmed by management |
|---|---|
| Revenue guidance | 18.0% → 25.0% Raised by 7.0 percentage points |
| Management target | Net Profit 25.0% FY27 |
| Revenue growth | Guided 23-25% CAGR, significantly outpacing previous 15-18% targets. |
|---|---|
| Margins | NIMs stable at 4.15-4.25%; targeting 4.25-4.35% range. |
| Demand visibility | Strong credit demand in vehicle finance, micro-banking, and corporate verticals. |
| Management confidence | Extremely high; emphasized 'predictable sustainable compounding' over historical volatility. |
Growth
Loan growth expected at 23-25% CAGR (PC6), with retail mix reaching 60%. Core domains like vehicle and microfinance maintain 30-40% better asset quality than industry benchmarks.
Outlook
Targets 50 million customers, 3,000+ branches, and 5.5% PPOP-to-loans ratio in Planning Cycle 6. Aiming for 45% Casa ratio.
Risks
High-touch segments (MFI, Vehicle) remain prone to cyclical shocks. Tightening system liquidity could challenge the bank's goal of reducing the cost of deposits while maintaining aggressive growth.
Earnings Call Transcript filed with NSE, NSE: INDUSINDBK. Summary written with AI assistance from the document.
IndusInd Bank Ltd: key numbers
- Share price
- ₹912.20
- Market cap
- ₹71,074 Cr
- Revenue (annual)
- ₹46,251 Cr
- Net profit (annual)
- ₹889.3 Cr
- P/E (TTM)
- 53.8×Sector 22.0×
- Promoter holding
- 15.82%+0.00% QoQ
- FII holding
- 29.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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