IndusInd Bank Q1 FY26: Loans Down 3.9%, Deposits Fall 3.3%

On Monday, July 7, IndusInd Bank, a private lender based in Mumbai, traded with mixed movement after the bank announced its business update for the first quarter of FY26.

Net Advances

• As of June 30, 2025, IndusInd Bank’s net advances stood at ₹3,34,477 crore.
• This is a 3.9% decline compared to last year (₹3,47,898 crore as on June 30, 2024).
• There was also a 3.1% drop compared to the previous quarter (₹3,45,019 crore as on March 31, 2025).
• Within advances:
  • Corporate Banking loans fell sharply, down 14.4% year-on-year and 6.2% quarter-on-quarter.
  • Consumer loans grew 4.8% YoY but still declined 0.9% compared to March 2025.

Deposits

• Total deposits as of June 30, 2025, were ₹3,97,233 crore, showing:
  • A slight 0.3% decline compared to last year (₹3,98,513 crore).
  • A 3.3% decline compared to the previous quarter (₹4,10,862 crore).
• Retail deposits and deposits from small businesses were ₹1,84,709 crore, nearly flat against ₹1,85,133 crore as of March 31, 2025.

CASA Ratio

• The Current Account Savings Account (CASA) ratio fell to 31.49% on June 30, 2025.
• This was lower compared to 32.81% in March 2025 and 36.67% in June 2024.

Liquidity Coverage Ratio (LCR)

• The daily average Liquidity Coverage Ratio for the first quarter of FY26 was 141.27%.
• As of June 30, 2025, the LCR stood at 145.26%, showing strong liquidity buffers.

IndusInd Bank Share Price Movement

On July 7, 2025, at 11:49 AM IST, IndusInd Bank share price was trading at ₹861.90, up ₹5.65 or 0.66% for the day. The stock opened at ₹847.00, touched a high of ₹866.95, and a low of ₹845.20 during the session. The company has a market capitalisation of ₹67,150 crore and a price-to-earnings (P/E) ratio of 26.08. It does not currently offer a dividend yield. Over the past year, the share price has ranged between a low of ₹606.00 and a high of ₹1,498.00.

Also Read: Why Is Brightcom Group Suspended?

Conclusion

While IndusInd Bank reported lower advances and deposits this quarter, its liquidity remains robust. Investors may watch for clarity on growth plans and management changes to gauge the bank’s long-term prospects.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.