Q3 Result
IndusInd Bank profit crashes 90% in Q3 FY26 despite rise in margins
Mumbai/IBNS: IndusInd Bank on Friday reported a 90% year-on-year decline in net profit in the third quarter of the ongoing financial year 2025-2026, media reports said.
The net profit has slumped to Rs. 127.98 crore while the total income settled at Rs. 13,080 which is 13.7% lower than the previous year.
The net interest has decreased 13% on a year-on-year basis to Rs. 4,562 crore while the net interest margin climbed 3.52% from 3.32% in the previous quarter.
Q3 FY 2025-26 Key Highlights Consolidated financial results
o Net Interest Income (NII) in Q3 FY26 is at ₹4,562 crores as compared to ₹4,409 crores in Q2 FY26
o NIM at 3.52% for Q3 FY26 as compared to 3.32% for Q2 FY26
o Net profit at ₹128 crores as compared to Net loss of ₹437 crores for Q2 FY26
o Net worth at ₹62,077 crores in Q3 FY26 as compared to ₹62,524 crores in Q2 FY26
o Deposits at ₹3,93,815 crores in Q3 FY26 from ₹3,89,600 crores in Q2 FY26
o Gross NPA and Net NPA ratios at 3.56% and 1.04% compared to 3.60% and 1.04% in Q2 2026
o PCR at 71.50% as of December 31, 2025, from 71.81% in Q2 2026
o CRAR as on December 31, 2025, at 16.94% as compared to 17.10% September 30,2026
o The Bank has healthy liquidity position with LCR of 122% average for Q3 FY26
Commenting on the performance, Rajiv Anand, the MD and CEO, IndusInd Bank said: “During Q3FY26, the Bank continued focus on optimisation of its balance sheet by letting go unprofitable loans and deposits along with being cautious on microfinance disbursements. The operating performance was steady with Pre-Provision Operating Profit at Rs.2,270 crores growing 11% QoQ.
"Our asset quality trends have been stable in all core businesses except in microfinance wherein industry is now showing early signs of recovery. Overall, the Bank has returned to profitability with a Profit After Tax of Rs. 128 crores. The Balance sheet remains robust with a healthy capital adequacy, excess liquidity and reducing stressed asset pool. We are optimistic about resilient domestic economy and aim to participate in the growth recovery in a calibrated manner.”
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