IndusInd Bank Q4 results reported a massive loss of ₹2,329 crores, reversing its trend of ₹2,349 crores of profit made in the Q4 FY24. On a full-year basis, IndusInd Bank’s net profit fell by 71% YoY to ₹2,575 crores in FY25 from ₹8,977 crores in the previous year.
On the IndusInd Bank results date, i.e., on May 21, the IndusInd Bank share price closed at ₹769.95. On the next trading day, it opened with a fall at ₹750. In the last 5 years, the IndusInd Bank share price has delivered more than 125% returns.
IndusInd Bank Q4 Results FY25: Income and Ratios
- In Q4 IndusInd Bank quarterly results, consolidated net interest income decreased 43% to ₹3,048 crores in Q4 FY25 from ₹5,376 crores recorded in the same period a year ago.
- It also made an operating loss of ₹491 crores in the fourth quarter of FY25.
- The Gross NPA rose to 3.13% as of March 31, 2025, as compared to 1.92% as of March 31, 2024.
- The Net NPA rose to 0.95% as of March 31, 2025, as compared to 0.57% as of March 31, 2024.
- In FY25, Return on Assets (ROA) dropped to 0.49% from 1.91% in the previous year.
- In FY25, the total capital adequacy ratio stands at 16.24%, as compared to 17.23% as on FY24.
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| Particulars (in ₹ Cr) | Q4 FY25 | Q4 FY24 | YoY Change |
|---|---|---|---|
| Net Profit/ Loss | -2,329 | 2,349 | -199% |
| Net Interest Income | 3,048 | 5,376 | -43% |
| Operating Profit/ Loss | -491 | 4,081 | -112% |
IndusInd Bank Q4 Results: Full-Year Metrics
- As per the IndusInd Bank Q4 results, its consolidated net interest income reduced by 8% YoY to ₹19,031 crores in FY25.
- The Pre Provision Operating Profit (PPOP) at ₹10,661 crores for the year FY25, down 33% as against ₹15,864 crores for the corresponding year FY24.
- Deposits increased by 6.83% YoY to ₹4,10,862 crores in FY25, from ₹3,84,586 crores in FY24.
- Advances rose by 1% from ₹3,43,298 crores in FY24 to ₹3,45,019 crores in FY25.
IndusInd Bank Q4 Results: Management Commentary
Commenting on the quarterly performance, Mr. Sunil Mehta, the Chairman of the Board of Directors, IndusInd Bank said, “The Board and the Management acknowledge that the lapses happened have been unfortunate for an institution like our Bank. However, the Board along with the management have shown a strong resolve to address all the identified issues in timely and comprehensive manner.
The Bank has a robust Networth and balance sheet even after absorbing impact from all the past anomalies. The learnings from these incidents will be imbibed to reinforce the governance and compliance culture of the organisation.
The Bank at its core has profitable business model and it will pivot towards sustainable growth as we put this episode behind us. The Bank would like to express its gratitude to the regulators and particularly the RBI for its support and guidance in helping navigating these challenging times.”
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