Indusind Bank

IndusInd Bank Ltd.

NSE: INDUSINDBK BSE: 532187 SECTOR: Bank - Private  194k   1k   336

1167.80
-12.80 (-1.08%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 1183.7

Today's Low

₹ 1163

52 Week High

₹ 1275.8

52 Week Low

₹ 763.2

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 90547.78 Cr.

CASA %

42.79

No. of Shares

77.54 Cr.

P/E

15.31

P/B

1.8

Face Value

₹ 10

Div. Yield

0.73 %

Book Value (TTM)

₹  647.12

Net Interest Income

₹ 15000.84 Cr.

Cost To Income %

42.68

Promoter Holding

15.16 %

EPS (TTM)

₹  76.26

CAR %

18.42

ROE

10.2 %

ROCE

10.08%

Profit Growth

62.57 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 35 Indices.

BANKNIFTY

Nifty Bank
43231
  177.550000000003 (0.412394360962942%)

NIFTYSERVICE

Nifty Services Sector
25693.45
  178.950000000001 (0.701365889984129%)

NIFTYPTBNK

Nifty Private Bank
22018.6
  121.25 (0.553719970681388%)

NIFTY100WEIGHT

Nifty100 Equal Weight
21396.5
  216.25 (1.0209983357137%)

NIFTYEQWGT

NIFTY50 Equal Weight
21266.05
  205.450000000001 (0.975518266336195%)

NIFTY100

Nifty 100
18919.55
  161.200000000001 (0.859350635850165%)

NIFTY

Nifty 50
18758.35
  140.299999999999 (0.753569788457975%)

NIFTY500

Nifty 500
15946.15
  133.699999999999 (0.845536270470415%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10415.9
  91.8999999999996 (0.890158853157685%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10330.2
  80.8000000000011 (0.788338829590041%)

NIFTY200

Nifty 200
9876.55
  87.5499999999993 (0.894371233016633%)

NIFTYTOTALMCAP

Nifty Total Market index
8877
  74.5 (0.846350468616874%)

LIQ15

Nifty100 Liquid 15
4806.95
  18.0999999999995 (0.37796130595027%)

NIFTY100ESG

NIFTY100 ESG
3579.15
  36.1500000000001 (1.02032176121931%)

NIFTY500VAL50

NIFTY500 Value 50
6954.91
  49.8099999999995 (0.721350885577321%)

NIFTYHIGHBETA

Nifty High Beta 50
2283.77
  19.5300000000002 (0.86254107338446%)

NIFTYHOUSING

Nifty Housing Index
8420.19
  110.290000000001 (1.32721212048281%)

SENSEX

S&P Bse Sensex
63099.65
  417.810000000005 (0.666556693294273%)

BANKEX

S&P Bse Bankex
49348.18
  230.790000000001 (0.46987431539014%)

BSE500

S&P Bse 500
25406.76
  215.489999999998 (0.855415387949865%)

SNSX50

S&P Bse Sensex50
19740.64
  150.290000000001 (0.767163424849482%)

BSE100

S&P Bse 100
19081.7
  156.100000000002 (0.824808724690373%)

BSEPVTBANK

S&P Bse Private Bank
16097.04
  102.130000000001 (0.638515627784098%)

BSE200

S&P Bse 200
8117.4
  71.8299999999999 (0.892789448106224%)

LMI250

S&P Bse 250 LargeMidCap
7666.93
  66.5799999999999 (0.876012288907746%)

ALLCAP

S&P Bse Allcap
7293.89
  61.8600000000006 (0.855361496011509%)

LRGCAP

S&P Bse LargeCap
7252.33
  62.1899999999996 (0.864934479718049%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6897.13
  58.8599999999997 (0.860744018589488%)

CARBONEX

S&P Bse Carbonex
3102.96
  25.6300000000001 (0.832864853623105%)

SPBSQIP

S&P Bse Quality
1223.88
  9.93000000000006 (0.81799085629557%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1070.42
  7.98000000000002 (0.751101238658181%)

S&PDIVSTABLE

S&P Bse Dividend Stability
623.04
  5.92999999999995 (0.960930790296688%)

ESG100

S&P Bse 100 ESG Index
315.18
  2.81999999999999 (0.902804456396455%)

FIN

S&P Bse Finance
9047.3
  51.2899999999991 (0.570141651687783%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7624.13
  67.5799999999999 (0.894323467720048%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year10.2%
3 Year10.77%
5 Year12.41%

ROA%

1 Year1.21%
3 Year1.19%
5 Year1.34%

Net NPA%

1 Year0.64%
3 Year0.75%
5 Year0.79%

 NIM

1 Year3.97%
3 Year4.07%
5 Year3.84%

CAR %

18.42

Cost of Liabilities %

4.63970254470362

PEG Ratio

0.25

Advances Growth %

12.4443544132328

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 15.16 45.48
Jun 2022 16.51 45.48
Mar 2022 16.52 45.48
Dec 2021 16.53 45.48
Sep 2021 16.54 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 4.07498594632777% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.746666666666667%.
  • CASA stands at 42.7894082867274% of total deposits.
  • Other Income is 23.9988954411961% of total income.
  • Good Capital Adequacy Ratio of 18.42%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 7650.36 7737.49 7859.89 8181.77 8708.03
Other Income 1840.79 1876.78 1902 1928.7 2010.82
Interest Expended 3991.96 3943.92 3874.73 4056.51 4405.98
Operating Expenses 2321.14 2465.28 2558.65 2660.29 2793.21
Total Provisions 1706.95 1654.05 1463.52 1250.99 1141.06
Profit Before Tax 1471.1 1551.02 1864.99 2142.68 2378.6
Tax 357.57 389.75 503.62 539.39 591.88
Net Profit 1113.53 1161.27 1361.37 1603.29 1786.72
Net NPA % 0.8 0.71 0.64 0.67 0.61
Gross NPA % 2.77 2.48 2.27 2.35 2.11
Return on Assets % 1.26 1.26 1.47 1.7 1.78
NPM % 14.56 15.01 17.32 19.6 20.52

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 17280.75 22261.15 28782.83 28999.8 30822.44
Other Income 4750.1 5646.72 6951.31 6558.61 7397.05
Interest Expended 9783.3 13414.97 16724.09 15471.9 15821.6
Operating Expenses 5591.44 6404.68 8237.35 8359.83 9559.29
Total Provisions 1175.43 3107.65 4652.1 7942.53 6664.95
Profit Before Tax 5480.68 4980.57 6120.61 3784.14 6173.65
Taxes 1874.69 1679.47 1702.7 947.75 1562.53
Net Profit 3605.99 3301.1 4417.91 2836.39 4611.12
Adjusted EPS (Rs.) 60.08 54.77 63.7 36.68 59.52

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 600.22 602.69 693.54 773.37 774.66
Total Reserves 23226.85 26072.1 33329.66 42586.63 46906.49
Deposits 151639.17 194867.91 202039.81 256204.96 293681.35
Borrowings 38289.08 47321.12 60753.55 51322.81 47323.22
Other Liabilities 7856.27 8944.42 9557.7 12079.57 13272.79
Total Liabilities 221626.16 277819.42 307057.55 362972.75 401974.58
Assets
Balance with RBI 10962.41 9961.17 13675.25 17870.68 15641.16
Balance with Banks 2253.47 4822.23 2328.4 38456.51 52633.33
Investments 50076.72 59266.16 59979.94 69694.71 70970.78
Advances 144953.66 186393.5 206783.17 212595.41 239051.53
Net Block 1313.31 1688.06 1742.11 1734.14 1754.17
Other Assets 12041.16 15666.35 22470.68 22546.07 21829.09
Total Assets 221626.16 277819.42 307057.55 362972.75 401974.58
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 16.54 16.53 16.52 16.51 15.16
indusind internati... 10.88 10.60 10.59 10.57 -
indusind limited 3.78 3.79 3.79 3.78 -
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 83.46 83.47 83.48 83.49 84.84
life insurance cor... 1.15 - - 1.15 -
bofa securities eu... - - - - 4.62
route one offshore... 3.24 - - - 4.38
sfspvi ltd. 2.78 - 1.83 2.05 3.67
bnp paribas arbitr... 4.16 - - 3.46 1.48
europacific growth... - 3.21 4.04 - -
bridge india fund 3.04 3.05 3.05 3.04 2.69
ubs principal capi... 3.02 - - 1.39 -
dragsa india equit... 3.37 - - 2.15 3.17
sbi-etf nifty 50 2.63 2.02 2.22 2.54 2.53
route one offshore... - 1.54 1.65 3.24 -
route one fund i, ... 2.17 - 1.10 2.17 2.93
dvi fund mauritius... - 1.33 1.30 2.78 -
morgan stanley inv... - - - - 2.34
nps trust- a/c uti... 1.43 1.22 1.23 1.38 1.33
bnp paribas arbitr... - 1.91 1.80 - -
icici prudential l... - 1.80 1.34 - -
goldman sachs (sin... 1.65 - - - 1.16
tybourne equity ma... 1.65 1.97 1.76 1.44 -
government pension... - - - - 2.23
government of sing... - 1.94 2.03 2.09 -
tybourne long oppo... 1.61 1.58 1.58 1.45 -
kotak banking etf - 1.82 1.49 1.42 -
uti - equity fund 1.46 1.81 1.70 1.57 -
df international p... 1.40 - - - 1.74
aditya birla sun l... 1.60 1.79 - - -
afrin dia 1.44 1.45 1.45 1.44 1.28
ishana capital mas... 1.54 - - - 1.52
composite capital ... 1.55 - - 1.10 -
aditya birla sun l... - - - - -
reliance capital t... 1.52 - - 1.52 -
lone cascade, l.p. - 1.28 1.41 - -
reliance capital t... - 1.37 - - -
uti - nifty exchan... - - - - 1.11
aasia corporation ... - - - - -
new leaina investm... 1.11 1.14 1.14 1.11 -
hinduja ventures l... - - - - -
dragsa india long ... 1.30 - - - 1.23
steadview capital... - - - - -
charles-lim asiagl... - - - - -
mirae asset large ... - - - 1.13 -
aia company limited - - - - 1.10
iepf 0.19 0.18 0.20 0.19 0.22

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

IndusInd Bank joins hand with Tata Motors30 Nov 2022, 11:07AM IndusInd Bank informs about loss of share certificate24 Nov 2022, 5:09PM Indusind Bank informs about analyst meet17 Nov 2022, 5:25PM IndusInd Bank inks pact with Department of Panchayati Raj-Government of Uttarakhand16 Nov 2022, 3:52PM IndusInd Bank informs about loss of share certificate10 Nov 2022, 4:40PM Indusind Bank informs about analyst meet8 Nov 2022, 11:22AM Indusind Bank informs about loss of share certificates1 Nov 2022, 4:12PM IndusInd Bank inks pact with Kinetic Green27 Oct 2022, 11:06AM IndusInd Bank to raise $150 million loan from DFC21 Oct 2022, 3:10PM IndusInd Bank launches 4G Soundbox for merchants20 Oct 2022, 4:52PM IndusInd Bank reports 57% rise in Q2 consolidated net profit20 Oct 2022, 10:35AM Indusind Bank - Quaterly Results19 Oct 2022, 4:44PM Indusind Bank - Quaterly Results19 Oct 2022, 4:44PM Indusind Bank - Quaterly Results19 Oct 2022, 4:44PM IndusInd Bank launches ‘BankOnHappiness’ festive campaign17 Oct 2022, 12:05PM IndusInd Bank bags ‘Governance Now’ Award for ‘SME Connect’ category14 Oct 2022, 11:28AM Route One Fund I LP divests stake in IndusInd Bank 12 Oct 2022, 12:39PM Indusind Bank informs about details of loss of certificate 10 Oct 2022, 5:05PM SEBI imposes penalty of Rs 1 crore on IndusInd Bank6 Oct 2022, 11:52AM Indusind Bank informs about analyst meet21 Sep 2022, 5:21PM Indusind Bank informs about updates19 Sep 2022, 4:47PM IndusInd Bank, ADB join hands to support supply chain financing2 Sep 2022, 2:45PM Indusind Bank informs about loss of share certificate29 Aug 2022, 12:29PM IndusInd Bank launches two digital banking units23 Aug 2022, 2:16PM IndusInd Bank sells shares of Birla Tyres 17 Aug 2022, 9:25AM IndusInd Bank collaborates with M2P Fintech 4 Aug 2022, 12:12PM IndusInd Bank partners with Rupyy to offer paperless loans for used-cars1 Aug 2022, 4:13PM IndusInd Bank adjudged as ‘India's Best Bank for ESG 2022’27 Jul 2022, 1:00PM IndusInd Bank enters into partnership with EazyDiner 21 Jul 2022, 12:42PM IndusInd Bank reports 61% rise in Q1 consolidated net profit21 Jul 2022, 10:43AM Induslnd Bank informs about outcome of board meeting20 Jul 2022, 5:05PM Indusind Bank - Quaterly Results20 Jul 2022, 4:13PM Indusind Bank - Quaterly Results20 Jul 2022, 4:13PM Indusind Bank - Quaterly Results20 Jul 2022, 4:13PM IndusInd Bank gets nod to raise funds upto Rs 20,000 crore19 Jul 2022, 9:44AM IndusInd Bank planning to raise funds on private placement basis12 Jul 2022, 12:12PM Indusind Bank informs about press release6 Jul 2022, 4:07PM IndusInd Bank enters into strategic partnership with MoEngage6 Jul 2022, 12:38PM RBI imposes penalty of Rs 1 crore on IndusInd Bank5 Jul 2022, 10:10AM IndusInd Bank’s deposits up 13% in Q1FY234 Jul 2022, 12:16PM Induslnd Bank informs about credit ratings 25 Jun 2022, 11:39AM Induslnd Bank informs about analyst meet22 Jun 2022, 12:35PM Indusind Bank informs about allotment under ESOP13 Jun 2022, 4:45PM IndusInd Bank joins hand with Mahagram24 May 2022, 9:30AM Induslnd Bank informs about clarification 6 May 2022, 9:40AM Indusind Bank reports 51% rise in Q4 consolidated net profit30 Apr 2022, 10:41AM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM IndusInd Bank gets global ‘Celent Model Bank’ award18 Apr 2022, 11:28AM

Indusind Bank Stock Price Analysis and Quick Research Report. Is Indusind Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Indusind Bank is performing and if it is the right time to buy the stock of Indusind Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Indusind Bank has earned Rs 30822.4423 Cr. revenue in the latest financial year. It has posted decent revenue growth of 11.4566562182616 % in last 3 Years.

  • In terms of advances, the bank reported 12.4443544132328 % YOY,  rise . If you see 3 years advance growth, it stands at 8.64762981075186 %.

  • Currently the company has a CASA ratio of 42.7894082867274 %. It’s overall cost of liability stands at 4.63970254470362 %. Also, the total deposits from these accounts stood at Rs 293681.3488 Cr.

  • The Bank has a healthy ROA track record. The ROA of Indusind Bank is at 1.20560543328795 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.27 % and 0.64 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -16.0853627083506 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Indusind Bank surged and is currently at Rs 7397.0457 Cr.

  • The company has a Good Capital Adequacy Ratio of 18.42 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Indusind Bank is trading at a P/B of 1.8024 . The historical average PB was 2.52698405432295.

Brief about Indusind Bank

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