IndusInd Bank Q1 results declared that the consolidated net profit decreased by 72% YoY to ₹604 crores in the first quarter of the financial year 2025-26. On the results date, 28th July 2025, IndusInd Bank share price closed with a fall of 2.63% at ₹802.05
In this blog, we’ll get into the details of IndusInd Bank quarterly results, including its net interest income, asset quality, and management commentary.
IndusInd Bank Q1 Results FY26: Net Interest Income and Profits
IndusInd Bank’ consolidated net interest income decreased by 14% YoY to ₹4,640 crores in Q1 FY26 from ₹5,408 crores in Q1 FY25.
The profit after tax also dropped by a whopping 72% to ₹604 crores in Q1 FY26 from ₹2,171 crores in the same quarter of the previous financial year. However, it has returned to profit from the loss of ₹2,329 crores in Q4 FY25.
The operating profit of the private lender fell by 35% to ₹2,568 crores, while provisions & contingencies increased by 68% YoY to ₹1,760 crores in Q1 FY26.
Highlighting its long-term performance, IndusInd Bank share price has generated over 52% returns in the last 5 years.
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IndusInd Bank Q1 Results FY26: Loans and Deposits
In the IndusInd Bank Q1 results FY26, the loans dropped by 4% YoY to ₹3,33,694 crores, while deposits remained flat at ₹3,97,144 crores.
In deposits, the CASA fell by 14% YoY to ₹1,25,006 crores, while the term deposits increased by 8% YoY to ₹2,72,138 crores in the first quarter of FY26.
The total assets of the bank increased 2% YoY to ₹5,39,552 crores in the June quarter 2025.
IndusInd Bank Q1 Results: Key Ratios
As of June 30, 2025, Gross NPAs were 3.64% of total loans, up from 3.13% on March 31, 2025. Net NPAs also rose to 1.12% from 0.95% during the same period. The Provision Coverage Ratio remained steady at 70%. Overall, total loan provisions stood at ₹10,472 crores, which is 3.14% of the total loan book.
The net interest margin grew by 79 basis points (bps) YoY to 3.46%, but the return on assets (ROA) dropped by 125 bps to 0.45% in the IndusInd Bank Q1 results.
IndusInd Bank Q1 Results: Management Commentary
Commenting on the Q1 performance, Mr. Sunil Mehta, the Chairman of the Board of Directors, IndusInd Bank, said, “The Bank has delivered clean and profitable Q1 results, marking a robust recovery from the challenges of the previous quarter. Leadership transition is progressing well, with our final recommendations being submitted to the regulator. The Board remains confident of moving forward as per planned timelines.
The Committee of Executives has ensured seamless continuity and effective execution during this phase. The Bank has taken decisive action on legacy issues, strengthened governance, and enhanced operational controls. The Bank is also actively working to integrate its diverse business lines under the ‘One IndusInd’ approach, unlocking synergies and delivering a unified banking experience to our customers.
The Bank remains focused on profitability, cost discipline, and stakeholder engagement, while building a sustainable franchise across our core businesses. These results reflect our commitment to transparency, resilience, and long-term value creation for all our stakeholders.”
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