One of the private bank stocks of Hinduja Group engaged in providing personal loans, vehicle financing, and credit cards. The stock has plunged by 18.76% after reporting a weak quarter of September in the financial year 2025. The company is also planning to operate an asset management company (AMC) within 6 to 9 months. Lets begin!
Stock Movement
After announcing its quarterly results, IndusInd Bank Limited’s share has plunged by 18.76% from the previous close of Rs 1,278.90. The stock opened at Rs. 1,199.95 and is currently trading at Rs. 1,040.25, with a high of Rs. 1,199.25 and a low of Rs. 1025.30. The market capitalization now stands at approximately ₹81,050.34 crore.
Q2 FY25 Result Walkthrough
IndusInd Bank Limited’s interest income has increased by 18.93% from Rs. 6,171 crore in Q2 FY24 to Rs. 7,339 crore in Q2 FY25. As compared to the previous quarter, the company’s interest income has grown by 2.80% from Rs. 7,139 crore in Q1 FY25.
In Q2 FY25, IndusInd Bank Limited’s net profit dropped by 39.25%, reaching Rs. 1,325 crore compared to Rs. 2,181 crore during the same period last year. Further, net profit decreased by 38.43% as compared to the June quarter of 2025.
The company’s total revenue has increased by 12.78% from Rs. 11,248 crore in Q2 FY24 to Rs. 12,686 crore in Q2 FY25. As compared to the previous quarter, the company’s total revenue has grown by 1.11% from Rs. 12,547 crore in Q1 FY25.
In terms of ratio, IndusInd Bank Limited’s capital adequacy ratio has decreased from 18.21% in Q2 FY24 to 16.51% in Q2 FY25. The company’s earnings per share have decreased massively by 39.74% from Rs 28.36 in Q2 FY24 to Rs. 17.09 in Q2 FY25.
The company’s gross non-performance asset ratio has increased to 2.11% as compared to last year’s same quarter, which was 1.93%. The company’s net non-performance asset ratio also decreased from 0.57% in Q2 FY24 to 0.64% in Q2 FY25. Rising NPAs indicate borrower’s inability to repay loans, signaling potential financial distress for banks and leading to stricter lending practices.
The return on assets of IndusInd Bank Limited has decreased from 1.90% to 1% in the September quarter of 2024. The debt-to-equity ratio of Induslnd Bank has slightly improved from 0.52x in Q2 FY24 to 0.53x in Q2 FY25.
Also read…
IndusInd Bank Set to Launch AMC
IndusInd Bank plans to operationalize its asset management company (AMC) within 6 to 9 months, aiming for a launch by the end of FY25 or early FY26. CEO Sumant Kathpalia confirmed that the bank has received regulatory approval from RBI and is strategically expanding into the AMC sector to enhance its financial services offerings.
About the company
IndusInd Bank Limited was established in 1994 and delivers comprehensive financial services across retail, corporate, and wholesale banking segments. The bank is outstanding in providing personal loans, vehicle financing, credit cards, and specialized SME lending solutions. Through its extensive branch network, IndusInd Bank serves customers with diverse deposit products, wealth management services, and insurance solutions. The bank operates multiple segments, including Treasury, Corporate Banking, and Retail Banking.
The bank has expanded its global presence with representative offices in Dubai, Abu Dhabi, and London. IndusInd Bank’s Treasury segment manages investments, foreign exchange transactions, and money market operations actively. The bank strengthens its digital banking initiatives while maintaining traditional retail services. Through structured credit, project finance, and advisory services, IndusInd Bank supports both individual and corporate customers’ financial needs.
Written By- Nikhil Naik
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