Q1-FY25 · Q4 FY24
Loan growth guidance of 18-22% for FY25
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
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INDUSINDBK / Q2-FY25 / promises
Measure what management said.
IndusInd Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY25 · Q4 FY24
Vehicle finance growth of 18-20% in FY25
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
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Q1-FY25 · Q4 FY24
NIM guidance of 4.2-4.3%
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
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Q1-FY25 · Q4 FY24
ROA guidance of 1.8-2.2%
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
met
heuristic_v1
Q1-FY26 · Q4 FY25
Microfinance normalcy expected in H2 FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q1-FY26 · Q4 FY25
Corporate book growth to resume
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q1-FY26 · Q4 FY25
CEO appointment by June 30, 2025
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
NIM to remain in 4.2%-4.3% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
NIM to remain in 4.2-4.3% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY26 · Q1 FY26
Single-digit OpEx growth in foreseeable future
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY26 · Q1 FY26
Consistent quarterly improvement in financial metrics
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
Credit cost guidance of 110-130 bps for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
NIM to remain in 4.2%-4.3% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
Credit cost guidance maintained at 110-130 bps for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
Microfinance disbursements expected to improve in H2
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
Vehicle finance disbursements to reach INR 12,000 crore in Q3
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
Microfinance disbursements to pick up
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY24 · Q3 FY24
Vehicle finance disbursements of INR 14,000 crore in Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Credit cost of 110-130 bps for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
NIM to remain in 4.2-4.3% range
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY25 · Q3 FY25
LCR ratio target of 48-52% and LDR of 88-90%
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q4-FY25 · Q3 FY25
Vehicle finance disbursements expected ~₹13,500 crore in Q4
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q4-FY26 · Q3 FY26
MFI book to start growing from Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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