Indusind Bank
Large Private · NSE INDUSINDBK · Market cap ₹77,824
Latest FY FY2026
Loan growth
-8.4%
Deposit growth
-2.7%
NIM
3.6%
32th pctile
ROA
0.2%
ROE
1.3%
Gross NPA
3.3%
93th pctile
P/B
0.90x
20th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | -8.4% | 17.7% | -26.2pp | — |
| Deposit growth | -2.7% | 13.4% | -16.0pp | — |
| CASA | 29.4% | 32.7% | -3.3pp | 27th |
| NIM | 3.6% | 3.6% | 0.0pp | 32th |
| ROA | 0.2% | 1.1% | -0.9pp | — |
| ROE | 1.3% | 12.4% | -11.1pp | — |
| Gross NPA | 3.3% | 1.9% | +1.4pp | 93th |
| Credit cost | 2.5% | 1.3% | +1.2pp | — |
| Cost/income | 78.9% | 55.1% | +23.8pp | — |
| CRAR | 17.1% | 18.9% | -1.8pp | — |
| P/B | 0.90x | 1.07x | -0.2pp | 20th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼Cost To Income Ratio at 78.93 — 95th percentile of its own history (multi-year high) · hist_percentile>=90
- ▼Cost To Income Ratio +26.9% YoY to 78.93 · abs(yoy)>=15%
- ▲Fresh Slippages - Quarterly -35.3% YoY to 1660.00 · abs(yoy)>=15%
- ▼Gross NPA at 3.25 — 93th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▼Deposits growing -12.6pp vs listed-bank aggregate (share 1.58%, -0.20pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▼Advances growing -22.5pp vs listed-bank aggregate (share 1.47%, -0.36pp 1Y) · |bank growth - system proxy growth| >= 5pp