ALFA Finder| 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
- ₹931.35
- Market cap
- ₹72,566 Cr
- Revenue (annual)
- ₹46,251 Cr
- Net profit (annual)
- ₹889.3 Cr
- P/E (TTM)
- 24.2×Sector 20.8×
- Promoter holding
- 15.82%+0.00% QoQ
- FII holding
- 30.47%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IndusInd Bank Ltd
All →IndusInd Bank Capital Structure Change
ICICI Prudential Mutual Fund net sold 1,55,98,130 IndusInd Bank shares, cutting its stake to 3.01%. The sale was in the open market, reducing the holding from 5.01%.
IndusInd Bank Debt & Borrowing: ₹1,614 Cr
IndusInd Bank will pay Rs.1,614 Crore of principal and interest on infrastructure bonds on 9 December 2026. The record date is 24 November 2026.
- Value
- ₹1,614 Cr
IndusInd Bank Debt & Borrowing: ₹227.1 Cr
IndusInd Bank certified payment of Rs.227.08 crore interest on its Tier 2 Bonds (ISIN INE095A08090) on the due date of 29 October 2026. This is a Regulation 57 debt servicing confirmation.
- Value
- ₹227.1 Cr
IndusInd Bank Results Update
IndusInd Bank's Q2 FY27 press release reports net profit of ₹1,242 crore versus a prior-year loss. Gross NPA improved to 2.73% from 3.60%.
IndusInd Bank Investor Presentation: Key Takeaways
Q2FY27 PAT ₹1,242cr (+20% QoQ) and operating profit ₹2,874cr (+40% YoY), driven by loan growth and better asset quality. NIM fell to 3.23% from 3.57% QoQ. GNPA 2.73%, CRAR 16.59%.
IndusInd Bank Management Change
IndusInd Bank appointed Ms. Priyanka Sinha as Non-Executive Independent Director for four years from 23 Oct 2026, subject to shareholder approval. The filing is a Regulation 30 disclosure with her profile attached.