INDUSINDBK / Q3-FY25 / risks

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IndusInd Bank · Material risks, their source context, and severity in the latest available quarter.

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WatchQ3-FY25 · 2025-01-31Back to quarter ↗

Risk intelligence

Material risks this quarter

MFI asset quality spillover into Q1 FY26

Analyst raised concern that MFI stress may persist beyond Q4; management acknowledged elevated 30-90 dpd but expects improvement from Q1.

high

Karnataka MFI regulations impact

New state-level regulations in Karnataka could further pressure collections; management noted 1% drop in collection efficiency there.

medium

Tractor and SCV slippage elevation

Management guided that tractor slippages may remain elevated for 3-4 months due to legacy underwriting, though compensated by higher yields.

medium