IndusInd Bank Share Price (INDUSINDBK)

IndusInd Bank Limited, incorporated in April 1994, is a Mumbai-based Indian banking and financial services company. As a new-generation private sector bank, it has established a significant presence across India. As of March 31, 2025, IndusInd Bank served approximately 41 million customers. The bank's operational scale is demonstrated by its total deposits, which stood at ₹4,10,862 crores, and total advances (loans) amounting to ₹3,45,019 crores for the fiscal year ended March 31, 2025. The bank maintained a Capital Adequacy Ratio (CAR) of 16.24% and a Liquidity Coverage Ratio (LCR) of 118% (average for Q4 FY25), indicating its capital health and liquidity position as of March 31, 2025. The bank's distribution network included 3,081 branches and banking outlets, along with 3,027 ATMs across India as of March 31, 2025, with services reaching approximately 1,62,000 villages, partly through its microfinance subsidiary.

What does Indusind Bank Ltd do?

IndusInd Bank Ltd operates as a universal bank offering a wide array of banking products and services to a diverse customer base, including individuals, large corporations, MSMEs, and government entities. Its core operational activities are broadly divided into Consumer Banking and Corporate & Commercial Banking. As of March 31, 2025, Consumer Banking constituted 58% of the bank's total loan portfolio, while Corporate Banking accounted for the remaining 42%. The bank's primary revenue generation model involves earning interest income on advances and fee income from various financial services. Key segments within Consumer Banking include vehicle finance, non-vehicle retail loans (such as personal loans, credit cards, and business banking loans), and microfinance loans extended through its subsidiary, Bharat Financial Inclusion Ltd. (BFIL). Corporate Banking caters to large, mid-sized, and small corporations with products like term loans, working capital finance, trade finance, and treasury solutions.

Products/Services of Indusind Bank Ltd

Vehicle Finance
This segment is a major part of IndusInd Bank's portfolio, accounting for 28% of its total loan book as of March 31, 2025. The bank provides financing for a wide range of vehicles, including commercial vehicles, passenger vehicles, tractors, construction equipment, and two-wheelers. The vehicle finance loan book stood at ₹95,595 crores as of March 31, 2025.

Microfinance Loans
Offered through its wholly-owned subsidiary, Bharat Financial Inclusion Ltd. (BFIL), these loans target financial inclusion for underserved populations, primarily in rural and semi-urban areas. This segment constituted 9% of the bank's total loan book, with advances of ₹30,909 crores as of March 31, 2025, serving 12 million BFIL customers.

Corporate Banking Solutions
Catering to large, mid-sized, and small corporate clients, this division provides a suite of financial products including project finance, working capital loans, trade and foreign exchange services, and treasury solutions. Corporate banking advances formed 42% of the bank's total loan portfolio as of March 31, 2025, amounting to ₹1,43,463 crores.

Retail Loans and Cards
This category includes a variety of loan products for individuals and small businesses, such as personal loans (₹10,209 crores outstanding as of March 31, 2025), loans against property (₹12,387 crores), and credit cards (₹11,085 crores in receivables). The bank also offers home loans and business banking loans under this umbrella, which collectively formed a significant part of the 21% non-vehicle retail loan segment as of March 31, 2025.

Digital Banking Services
IndusInd Bank has a strong focus on digital offerings, including its INDIE mobile banking app, which had 1.6 million active clients as of March 2025. The 'Easy Credit' platform processes approximately 1.2 million loan applications monthly, with 100% of personal loans and credit cards originated digitally. The bank digitally acquired over 75,000 new clients each month as of Q4 FY25.

Deposit Products
The bank offers a range of deposit products, including current accounts, savings accounts (CASA), and term deposits. Total deposits reached ₹4,10,862 crores as of March 31, 2025, with CASA deposits comprising 32.8% of this total (₹1,34,789 crores).

Wealth Management
Through its PIONEER banking services, IndusInd Bank provides specialized wealth management and banking solutions to high-net-worth individuals (HNIs) and ultra-HNIs, with a growing network of dedicated branches.

Future Outlook and Expansion Plans of Indusind Bank Ltd

IndusInd Bank is focused on its 'Digital 2.0' strategy, aiming to further enhance customer experience and operational efficiency through digital channels. This includes scaling its INDIE mobile banking app for both individual and business customers and expanding its 'Easy Credit' digital lending platform. The bank plans to continue acquiring over 75,000 new clients monthly through digital means and disburse over ₹200 crores in loans digitally each month, based on its Q4 FY25 run-rate. In terms of physical presence and targeted segments, the bank plans to expand its branch network strategically. A key area of focus is affluent banking, with plans to grow its PIONEER branch network (currently 15 branches after 5 recent additions) and an aim to double its Assets Under Management (AUM) in this segment. The bank also intends to leverage its BFIL subsidiary to deepen its reach among rural customers and is working on building its merchant acquiring business. Furthermore, IndusInd Bank plans to ramp up other business lines, including home loans and NRI banking services, while maintaining a strong commitment to Environmental, Social, and Governance (ESG) principles, having received 'Strong' ESG ratings from CRISIL and SES ESG as of March 2025.