On January 6, 2025, IndusInd Bank shares are in focus, trading ~1% down to ₹893.70 at ~9:40 AM, after opening at ₹894.30 on BSE. The drop in IndusInd Bank shares follows the release of provisional business performance for the December quarter, reflecting a slowdown in key balance-sheet indicators.
As of December 31, 2025, net advances declined to ₹3.18 lakh crore, registering a sharp year-on-year contraction of 13.1% and a sequential drop of 2.2%. Net deposits stood at ₹3.94 lakh crore, easing 3.8% compared to the same period last year, while posting a modest quarter-on-quarter growth of 1.1%.
The bank’s CASA ratio weakened to 30.3% during the quarter, down from 34.9% a year ago and 30.7% at the end of September, highlighting continued stress in attracting low-cost deposits.
For the half year ended September 30, 2025, the bank reported a decline in profitability, reflecting pressure on core earnings. Net Interest Income (NII) fell by 16% year-on-year to ₹9,049 crore, compared with ₹10,755 crore in the corresponding period of the previous year. Fee income also moderated, coming in at ₹3,808 crore versus ₹4,627 crore earlier, indicating softer non-interest revenue performance.
Total income, comprising interest and fee income, stood at ₹27,681 crore for the period under review, down from ₹29,860 crore in the same half of the previous year. Meanwhile, operating expenses increased to ₹8,243 crore, compared with ₹7,830 crore a year ago, adding pressure on operating margins.
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As a result, Pre-Provision Operating Profit (PPOP) declined sharply to ₹4,615 crore for the half year ended September 30, 2025, from ₹7,552 crore in the corresponding previous period. Net profit saw a significant contraction, falling to ₹167 crore from ₹3,502 crore a year earlier, reflecting the combined impact of lower income and higher costs.
On the balance sheet front, total assets as of September 30, 2025, stood at ₹5,27,490 crore, compared with ₹5,43,407 crore as of September 30, 2024. Deposits declined to ₹3,89,600 crore from ₹4,12,397 crore over the same period last year.
CASA deposits amounted to ₹1,19,771 crore, comprising current account deposits of ₹31,916 crore and savings account deposits of ₹87,854 crore. CASA deposits accounted for 31% of total deposits as of September 30, 2025, underscoring the bank’s continued focus on stable, low-cost funding.
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Published on: Jan 6, 2026, 9:51 AM IST
Sachin Gupta
Sachin Gupta is a Content Writer with 6+ years of experience in the stock market, including global markets like the US, Canada, and Australia. At Angel One, Sachin specialises in creating financial content that simplifies complex market trends. Sachin holds a Master's in Commerce, specialising in Economics.
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