IndusInd Bank on Wednesday reported a significant setback for the quarter ended March 31, 2025, posting a net loss of ₹2,328 crore, compared to a net profit of ₹2,349 crore in the same quarter, last year. The bank also saw a notable decline in net interest income (NII), which stood at ₹3,048 crore in Q4 FY25, down from ₹5,376 crore in Q4 FY24.
Key Highlights:
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Gross NPA: Increased to 3.13% from 2.25% in Q3 FY25
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Net Profit: Loss of ₹2,328 crore vs profit of ₹2,349 crore (YoY)
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Net Interest Income (NII): ₹3,048 crore vs ₹5,376 crore (YoY)
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Provision Coverage Ratio: Maintained at 70%
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Capital Adequacy Ratio: 16.24%
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Liquidity Coverage Ratio (LCR): 118% for Q4 FY25, 139% for early Q1 FY26
The bank attributed the poor results to multiple material developments and irregularities uncovered since March 2025, which were fully accounted for in this quarter’s financials. Chairman Sunil Mehta personally addressed analysts — an unusual move for a part-time non-executive chairman — stating the leadership’s commitment to rectifying the lapses and restoring confidence in the institution.
Despite the quarterly loss, the bank remained profitable on a full-year basis, reporting an annual PAT of ₹2,575 crore. The leadership transition process is underway, with the RBI advising the bank to submit a proposal for a new CEO by June 30.
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