Sustained MFI stress and high credit costs
Microfinance slippages remain elevated; credit cost at 2.6% in Q3, well above historical levels, pressuring profitability.
INDUSINDBK / Q3-FY26 / risks
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IndusInd Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Deposit franchise rebuilding challenge
Management highlighted difficulty in improving deposit quality and quantity amid industry-wide scramble for deposits.
ECL implementation impact
Expected credit loss norms from April 2026 could impact net worth by 1.5-1.7% of loan book pre-tax, as disclosed by CFO.
RBI supervisory action on agri PSL
Analyst asked about RBI annual supervisory outcome on agri PSL; management declined to comment, citing confidentiality.