- Net profit, consolidated · Q2 FY271,242 ₹ crore Net loss of ₹437 crore in Q2 FY26
- Net interest income, consolidated · Q2 FY274,569 ₹ crore ₹4,409 crore in Q2 FY26
- Net interest margin · Q2 FY273.23 % 3.32% in Q2 FY26
- Gross NPA ratio · 30 September 20262.73 % 3.60% at 30 September 2025
- Deposits, consolidated · 30 September 20264,28,832 ₹ crore ₹3,89,600 crore a year earlier
| Period | Standalone | Consolidated |
|---|---|---|
| Q2 FY27 (quarter to 30 September 2026) | 1,17,606 | 1,24,179 |
| Q1 FY27 (quarter to 30 June 2026) | 1,00,250 | 1,03,705 |
| Q2 FY26 (quarter to 30 September 2025) | (44,479) | (43,688) |
| H1 FY27 (half year to 30 September 2026) | 2,17,856 | 2,27,884 |
| H1 FY26 (half year to 30 September 2025) | 23,946 | 16,719 |
Source: IndusInd Bank unaudited financial results filing, 23 October 2026, Quarter and half year ended 30 September 2026. Unaudited figures as filed, in Rs. lakh; brackets show a loss. Consolidated net profit includes the share of profit of the associate.
IndusInd Bank reported consolidated net profit of ₹1,242 crore for the second quarter of fiscal 2027, ended 30 September 2026, against a net loss of ₹437 crore in the same quarter a year earlier, its press release shows. The consolidated figures include its wholly owned subsidiary Bharat Financial Inclusion Limited, which originates small loans for the bank as a business correspondent, and its associate IndusInd Marketing and Financial Services Private Limited. Consolidated net profit for the half year was ₹2,279 crore, against ₹167 crore a year earlier.
- Net interest margin3.2%−0.1 pp
- Yield on assets8.4%−0.4 pp
- Cost of funds5.1%−0.3 pp
Q2 FY27Q2 FY26
Source: IndusInd Bank press release, 23 October 2026, Quarter ended 30 September 2026.
On a consolidated basis, net interest income rose to ₹4,569 crore from ₹4,409 crore in Q2 FY26, and fee and other income to ₹2,248 crore from ₹1,651 crore, lifting net revenue to ₹6,817 crore from ₹6,060 crore. Operating expenses fell to ₹3,943 crore from ₹4,013 crore, and pre-provision operating profit rose to ₹2,874 crore from ₹2,047 crore. Provisions and contingencies other than tax were ₹1,223 crore, against ₹2,631 crore a year earlier.
- Gross NPA ratio2.73%3.60% at 30 September 2025
- Net NPA ratio0.83%1.04% at 30 September 2025
- Provision coverage ratio70.19%71.81% in Q2 FY26
- Total capital adequacy ratio, Basel III16.59%17.10% at 30 September 2025
Source: IndusInd Bank press release, 23 October 2026, 30 September 2026.
Gross NPAs were 2.73% of gross advances at 30 September 2026, against 3.25% at 30 June 2026 and 3.60% a year earlier. Net NPAs were 0.83% of net advances, against 0.95% and 1.04%. The liquidity coverage ratio averaged 127% in the quarter, against 132% in Q2 FY26; the filing notes that the bank's Pillar 3 disclosures, which include that ratio, are not subject to the auditors' limited review.
Consolidated deposits stood at ₹4,28,832 crore at 30 September 2026, against ₹3,89,600 crore a year earlier, and advances at ₹3,63,104 crore, against ₹3,25,881 crore. CASA deposits of ₹1,19,766 crore made up 27.93% of total deposits. Retail deposits as defined for the liquidity coverage ratio were ₹2,01,780 crore, against ₹1,80,475 crore at 30 September 2025. Consolidated net worth was ₹65,985 crore, against ₹62,524 crore a year earlier.
The results are unaudited. The board approved the consolidated and standalone results on 23 October 2026, and the joint statutory auditors, M/s. Chokshi & Chokshi LLP and M/s. Borkar & Muzumdar, issued a Limited Review Report on them. The release gives no financial guidance.
- IndusInd Bank Ltd, 'IndusInd Bank Limited announces financial results for the quarter and half year ended September 30, 2026' (press release filed with NSE), 23 Oct 2026, 12:54 CEST
- IndusInd Bank Ltd, Outcome of Board Meeting: unaudited consolidated and standalone financial results with limited review reports (NSE filing), 23 Oct 2026, 12:28 CEST