IndusInd Bank Q2 FY27: Net profit ₹1,242 crs, loans up 11% YoY, net NPA falls to 0.83%
Q2 FY27 net profit ₹1,242 crs (up 20% QoQ), operating profit up 40% YoY, loans up 11% to ₹3,63,104 crs, net NPA 0.83%.
By ScoutQuest · · 1 min read
- Net Profit
- ₹1,242 crs (up 20% QoQ)
- Operating Profit
- up 40% YoY to ₹2,874 crs
- Net NPA
- 0.83%
- Period
- Q2 FY27
- Positioning
- IndusInd Bank presents itself as a diversified lender with a 58% retail / 42% wholesale loan book, 35+ years of vintage in vehicle finance and market leadership in most vehicle products.
📉 Q2 FY27 net profit was ₹1,242 crs, up 20% QoQ against a loss of ₹437 crs in Q2 FY26; operating profit rose 40% YoY to ₹2,874 crs, helped by other income up 36% to ₹2,248 crs, while net interest income grew only 4% to ₹4,569 crs. ROA was 0.87% and ROE 7.37%.
📉 Asset quality improved: gross NPA fell to 2.73% from 3.60% a year earlier, net NPA to 0.83%, and provisions dropped 54% YoY to ₹1,223 crs (credit cost 1.40%). Provision coverage slipped to 70% and CRAR to 16.59%.
📉 Loans grew 11% YoY and 11% QoQ to ₹3,63,104 crs, but the presentation notes Consumer Banking includes ₹16,564 Cr of FCNR(B) deposit-related advances, which drove Other Retail up 418% YoY; credit cards and personal loans shrank.
📉 The company says it is building a granular, cost-efficient liabilities franchise: retail and SBC deposits rose 12% YoY to ₹2,01,780 crs (49.0% of total), CD share fell to 3.3% and cost of deposits eased to 5.96%. It lists a 2032 target for carbon neutrality in own operations.
Also from Indusind Bank
Updated senior management list; 14 executives included as SMP from October 23, 2026
23 Oct 2026
Audio recording of earnings call on Q2 and H1 results now on the bank's website
23 Oct 2026
Indusind Bank Ltd press release, Q2 FY27
23 Oct 2026
More numbers
- Net Profit, Q2 FY27₹ 1,242crs
- Operating Profit, Q2 FY27₹ 2,874crs
- Net Interest Income, Q2 FY27₹ 4,569crs
- Total Other Income, Q2 FY27₹ 2,248crs
- Loans, Q2 FY27₹ 3,63,104crs
- Deposits, Q2 FY27₹ 4,28,832crs
- Net NPA, Q2 FY270.83%
- Gross NPA %, Q2 FY272.73%
- CRAR, Q2 FY2716.59%
- Return on Equity, Q2 FY277.37%
- Provisions & Contingencies, Q2 FY27₹ 1,223crs
- Retail + SBC deposits average, Q2 FY272,01,780 (₹ crs)
- FCNR(B) deposits related advances, Q2 FY2716,564 Cr
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