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IndusInd Bank Sees Loan Book Shrink

6 Jan

Summary

Loan book decreased by 13% year-on-year.
Deposits fell from last year but rose sequentially.
CASA ratio dropped to 30.3% from 34.9%.

IndusInd Bank's business update for the December quarter revealed a contraction in its advances, with a year-on-year decline of 13%. Net advances fell to ₹3.18 lakh crore as of December 2025, marking a 2.2% sequential decrease as well. This indicates a challenging period for the Mumbai-based lender.

Concurrently, deposits also experienced a year-on-year drop, settling at ₹3.94 lakh crore. However, this figure represented a marginal improvement from the ₹3.89 lakh crore recorded in the September quarter. The Current Account, Savings Account (CASA) ratio stood at 30.3%, a decrease from both last year's 34.9% and the previous quarter's 30.7%.

The bank's stock performance has shown resilience, recovering nearly 50% from its 52-week low of ₹606, despite ending Monday at ₹897. This recovery signifies investor confidence returning after past challenges.

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