Image Source: Moneycontrol
IndusInd Bank reported a decline in both net advances and deposits for the quarter ended December 31, 2025, with its CASA ratio continuing to slide. Despite marginal growth in retail and small business deposits quarter-on-quarter, the overall lending momentum remained subdued.
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IndusInd Bank Ltd has released provisional business updates for the December 2025 quarter, indicating muted growth trends amid cautious credit demand. The bank’s net advances dropped both sequentially and annually, while deposits showed modest improvement compared to the previous quarter.
Key Highlights
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Net advances stood at Rs 3,18,844 crore as of December 31, 2025, down 13.1% year-on-year and 2.2% quarter-on-quarter.
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Total deposits were recorded at Rs 3,94,022 crore, marking a 3.8% year-on-year decline but a 1.1% sequential rise.
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CASA ratio eased further to 30.3% from 30.7% in the September 2025 quarter and 34.9% a year earlier, reflecting a shift toward term deposits.
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Retail and small business customer deposits amounted to Rs 1,84,550 crore, up slightly from Rs 1,84,144 crore in September 2025, though lower than Rs 1,88,731 crore in December 2024.
The data indicates pressure on the bank’s low-cost deposit base and advances growth, suggesting near-term challenges in balance sheet expansion.
Source: Exchange Filing, IndusInd Bank Ltd
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