What was Indusind Bank's revenue in Q4 FY26?

Indusind Bank reported revenue of — in Q4 FY26, a — change year-over-year.

Did Indusind Bank management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

Indusind Bank Q4 FY26 Research Workspace: Revenue — (—)

Q: What guidance did Indusind Bank management give?

Loan growth in line with system (~13-14%) in FY27: Management expects to grow broadly in line with the market, subject to macro stability, with foundations in place for a return to growth.

Revenue —

EBITDA —

PAT ₹595 Cr

EBITDA Margin —

Duration 58 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

IndusInd Bank's Q4 FY26 results reflect a continued focus on balance sheet resilience and asset quality repair. PAT surged to ₹595 crore from ₹128 crore QoQ, driven by a 29% QoQ decline in provisions to ₹1,482 crore as net slippages improved 37% QoQ. The vehicle finance book grew 2% QoQ to ₹99,876 crore with annualized net slippages at a multi-quarter low of 1%. Microloans saw gross slippage halve to ₹504 crore, and disbursements rose 52% QoQ to ₹5,400 crore, signaling a pivot from contraction to calibrated growth in FY27. Retail deposits added ₹6,800 crore, lifting the LCR share to 47.9%. Management guides for system-level loan growth (~13-14%) in FY27, with ROA improvement to 1% targeted over the medium term, split equally between lower credit costs and higher operating profit. Key risk: prolonged West Asia conflict could impact vehicle finance and wholesale portfolios in 2-3 quarters.

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Risk Intelligence

West Asia conflict impact on asset quality

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Quarter Snapshot

Annualized Net Slippage Ratio 1.71%

-94bps QoQ

Improved from 2.65% in Q3, driven by lower slippages across retail segments.

Vehicle Finance Net Slippage Ratio 1.0%

-84bps YoY

Lowest in several quarters; annualized net slippage improved from 1.84% YoY.

Microloan Disbursements ₹5,400 crore

+52% QoQ

Scaling up gradually as asset quality stabilizes; book contraction moderated to 5% QoQ.

Retail Deposit Addition ₹6,800 crore

+₹6,800 crore QoQ

All incremental deposits were retail; share of average retail deposits improved to 47.9%.

Fast read

Guidance and risk preview

Top guidance Loan growth in line with system (~13-14%) in FY27

Management expects to grow broadly in line with the market, subject to macro stability, with foundations in place for a return to growth.

Top risk West Asia conflict impact on asset quality

Prolonged conflict could affect vehicle finance and wholesale portfolios in 2-3 quarters, though current assessment shows no material impact.