The financial institution’s web curiosity margin (NIM) was additionally reported at 3.32% for Q2 FY26, as in comparison with 4.08% for Q2 FY25.
As per the financial institution’s press launch, the charge and different revenue for the quarter stood at Rs 1,651 crore, in comparison with Rs 2,185 crore in Q2FY25. The financial institution’s yield on belongings stood at 8.75% for the quarter, decrease than 9.58% recorded within the year-ago interval, whereas the price of funds was 5.43% as towards 5.54% within the corresponding quarter final 12 months.
Working bills for Q2FY26 had been reported at Rs 4,013 crore, barely larger than Rs 3,932 crore in Q2FY25. Whole expenditure, together with curiosity and working bills, stood at Rs 11,212 crore in comparison with Rs 11,271 crore within the corresponding interval of the earlier 12 months. The financial institution’s pre-provision working revenue (PPOP) declined to Rs 2,047 crore in Q2FY26 from Rs 3,600 crore in Q2FY25.
IndusInd Financial institution’s steadiness sheet stood at Rs 5,27,490 crore as of September 30, 2025, in comparison with Rs 5,43,407 crore a 12 months earlier. Deposits had been Rs 3,89,600 crore, down from Rs 4,12,397 crore within the earlier 12 months.
CASA deposits amounted to Rs 1,19,771 crore, with present account deposits at Rs 31,916 crore and financial savings account deposits at Rs 87,854 crore, forming 31% of whole deposits.Advances as of the tip of Q2FY26 had been Rs 3,25,881 crore, decrease than Rs 3,57,159 crore within the year-ago interval.Asset high quality
The gross NPA ratio stood at 3.60% of gross advances as of September 30, 2025, barely decrease than 3.64% as of June 30, 2025, whereas the web NPA was at 1.04%, enhancing from 1.12% within the earlier quarter.
The Provision Protection Ratio improved to 72%. Provisions and contingencies rose to Rs 2,631 crore in Q2FY26 from Rs 1,820 crore in Q2FY25.
Capital adequacy
The financial institution’s Whole Capital Adequacy Ratio, below Basel III norms and excluding half-yearly income, stood at 17.10% as of September 30, 2025, up from 16.51% a 12 months earlier. Tier 1 CRAR was 15.88%, in comparison with 15.21% within the year-ago interval. Danger-weighted belongings stood at Rs 3,98,256 crore, down from Rs 4,20,519 crore final 12 months.
“Throughout Q2FY26, the Financial institution consolidated its steadiness sheet by letting go wholesale deposits and being cautious on microfinance disbursements. Nonetheless, our core pre-provision working revenue at Rs. 1,940 crores remained steady QoQ. Our asset high quality developments have been steady in all core companies besides in microfinance whereby trade is dealing with cyclical pressures. The Financial institution accelerated write-offs in addition to elevated provisions on microfinance as a prudent measure. Whereas this has resulted within the Financial institution displaying a loss in Q2, we consider this strengthens the steadiness sheet and fast-tracks normalisation of underlying profitability,” stated Rajiv Anand, the MD and CEO of IndusInd Financial institution, whereas commenting on the financial institution’s Q2 outcomes.
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