Amid recent concerns surrounding IndusInd Bank, depositors are concerned about the safety of their funds. However, the Reserve Bank of India (RBI) has clarified that IndusInd Bank remains financially strong and well-capitalized.
According to the RBI, the bank has a Capital Adequacy Ratio (CAR) of 16.46%, well above regulatory requirements, and a Provision Coverage Ratio (PCR) of 70.20%. Additionally, its Liquidity Coverage Ratio (LCR) stands at 113%, exceeding the mandatory 100% threshold. These indicators confirm that the bank has sufficient capital and liquidity to manage its operations effectively.
The statement reads, “As per auditor-reviewed financial results of the bank for the quarter ended December 31, 2024, the bank has maintained a comfortable Capital Adequacy Ratio of 16.46 per cent and Provision Coverage Ratio of 70.20 per cent. The Liquidity Coverage Ratio (LCR) of the bank was at 113 per cent as on March 9, 2025, as against regulatory requirement of 100 per cent.”
The bank has proactively engaged an external audit team to review its systems and address concerns. The RBI has directed the bank’s board and management to complete remedial actions within Q4 FY25 while ensuring transparency in disclosures.
The RBI has reassured depositors that there is no need for panic. The bank’s financial health remains stable, and regulatory authorities are closely monitoring the situation. With strong capital reserves and liquidity, IndusInd Bank deposits remain safe.
