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IndusInd Bank Q4 profit jumps but pressure on FY26 continues

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HDFC Bank receives RBI nod to buy up to 9.5% stake in IndusInd Bank
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Athira Sethu

Kochi, 25 April 2026

IndusInd Bank reported its FY26 results with a mixed performance, showing a sharp recovery in the final quarter but continued pressure on full-year profitability. The bank’s Board approved the results on April 24, 2026, and announced a final dividend of ₹1.50 per share. While Q4FY26 saw a strong jump in profits, the overall annual numbers reflect challenges in income, margins, and loan growth, even as asset quality and capital position showed improvement.

Financial Performance Overview

MetricQ4FY26Q3FY26QoQ ChangeFY26FY25YoY Change
Net Profit₹594 cr₹128 cr+364%₹889 cr₹2,576 cr-65%
Total Income₹6,085 cr₹6,269 cr-3%₹25,211 cr₹26,722 cr-6%
Operating Profit₹2,295 cr₹2,270 cr+1%₹9,180 cr₹10,661 cr-14%
Net Interest Income₹4,371 cr₹4,562 cr-4%₹17,982 cr₹19,031 cr-6%

Asset Quality Trends

MetricQ4FY26Q3FY26QoQ ChangeQ4FY25YoY Change
GNPA Ratio3.43%3.56%-13 bps3.13%+30 bps
NNPA Ratio1.00%1.04%-4 bps0.95%+5 bps
Provision Coverage71%72%-1%——
Net Interest Margin3.39%3.35%+4 bps3.46%-7 bps

Balance Sheet Performance

ItemQ4FY26Q3FY26QoQ ChangeQ4FY25YoY Change
Total Deposits₹3,99,931 cr₹3,93,815 cr+2%₹4,10,862 cr-3%
Advances₹3,15,871 cr₹3,17,536 cr-1%₹3,45,019 cr-8%
CRAR17.48%16.94%+54 bps16.24%+124 bps
Total Assets₹5,43,394 cr₹5,25,595 cr+3%₹5,54,107 cr-2%

Business & Digital Highlights

SegmentDetails
INDIE App4.6 rating, 6.6M+ monthly transactions
Vehicle Finance₹99,876 cr, 32% of loan book, +4% YoY
Retail Deposits Share47.9% (vs 47.5% in Q3FY26)

Board Decisions

ItemDetails
Dividend₹1.50 per share (15%)
Record DateJune 26, 2026
Audit OpinionUnmodified
ComplianceAs per SEBI regulations

Stock Performance Snapshot

PeriodReturn
1 Day-1.44%
5 Days+0.01%
1 Month+8.94%
6 Months+11.63%
1 Year+6.77%
5 Years-0.24%

(This information is for educational purposes only. Please consult your financial advisor before investing in stocks.)

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