Indusind Bank

IndusInd Bank Ltd.

NSE: INDUSINDBK BSE: 532187 SECTOR: Bank - Private  210k   1k   342

1056.95
+20.95 (2.02%)
NSE: 29 Mar 4:00 PM

Price Summary

Today's High

₹ 1063.95

Today's Low

₹ 1023.05

52 Week High

₹ 1275.25

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

₹ 82008.24 Cr.

CASA %

42.79

No. of Shares

77.59 Cr.

P/E

12.22

P/B

1.57

Face Value

₹ 10

Div. Yield

0.81 %

Book Value (TTM)

₹  671.94

Net Interest Income

₹ 15000.84 Cr.

Cost To Income %

42.68

Promoter Holding

16.51 %

EPS (TTM)

₹  86.49

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 36 Indices.

BANKNIFTY

Nifty Bank
39910.15
  342.25 (0.864968825740053%)

LIQ15

Nifty100 Liquid 15
4251.5
  44.6999999999998 (1.06256537035276%)

NIFTY

Nifty 50
17080.7
  129 (0.760985623860733%)

NIFTY100

Nifty 100
16918.05
  122.700000000001 (0.730559351249016%)

NIFTY100ESG

NIFTY100 ESG
3159.25
  26 (0.829809303438922%)

NIFTY100WEIGHT

Nifty100 Equal Weight
19018.9
  179.950000000001 (0.955201855729748%)

NIFTY200

Nifty 200
8875.6
  73.5500000000011 (0.835600797541503%)

NIFTY500

Nifty 500
14345.6
  133.800000000001 (0.941471171843133%)

NIFTY500VAL50

NIFTY500 Value 50
6847.87
  113.36 (1.68327020080155%)

NIFTYHIGHBETA

Nifty High Beta 50
2030.91
  44.53 (2.2417664293841%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9500.9
  113.4 (1.20798934753661%)

NIFTYEQWGT

NIFTY50 Equal Weight
19408.35
  232.049999999999 (1.21008745169819%)

NIFTYHOUSING

Nifty Housing Index
7373.69
  62.6899999999996 (0.857475037614552%)

NIFTYPTBNK

Nifty Private Bank
20229.25
  164.200000000001 (0.81833835450198%)

NIFTYSERVICE

Nifty Services Sector
22672.4
  152.450000000001 (0.67695532183687%)

NIFTYTOTALMCAP

Nifty Total Market index
7984.8
  76.6999999999998 (0.969891630100772%)

NT100ALP30

NIFTY100 Alpha 30
10063.04
  115.17 (1.15773527398328%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9335.95
  111.550000000001 (1.20929274532762%)

SENSEX

S&P Bse Sensex
57960.09
  346.369999999995 (0.601193604578909%)

BSE100

S&P Bse 100
17320.33
  140.790000000001 (0.81952136087462%)

BSE200

S&P Bse 200
7279.41
  63.0299999999997 (0.873429614294152%)

BSE500

S&P Bse 500
22822.89
  214.5 (0.948762826543592%)

BANKEX

S&P Bse Bankex
45252.62
  387.910000000003 (0.864621659206088%)

CARBONEX

S&P Bse Carbonex
2825.38
  23.8900000000003 (0.852760495307869%)

FIN

S&P Bse Finance
8303.84
  77.25 (0.939028200019698%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6841.84
  60.3800000000001 (0.890368740654668%)

LRGCAP

S&P Bse LargeCap
6480.35
  47.6400000000003 (0.740589891352172%)

ALLCAP

S&P Bse Allcap
6549.12
  64.6599999999999 (0.997153193943667%)

SPBSQIP

S&P Bse Quality
1131.25
  10.1900000000001 (0.908961161757627%)

SNSX50

S&P Bse Sensex50
17957.44
  135.66 (0.761203426369317%)

ESG100

S&P Bse 100 ESG Index
284.47
  1.80000000000001 (0.636784943573776%)

S&PDIVSTABLE

S&P Bse Dividend Stability
598.49
  5.99000000000001 (1.01097046413503%)

LMI250

S&P Bse 250 LargeMidCap
6882.97
  61.0100000000002 (0.8943177620508%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6153.54
  44.8999999999996 (0.735024489902814%)

BSEPVTBANK

S&P Bse Private Bank
14910.05
  131.309999999999 (0.888506056673299%)

DFRGRI

S&P Bse Diversified Finl. Rev.
970.65
  12.7099999999999 (1.32680543666617%)

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

0.2

Advances Growth %

12.4443544132328

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 16.51 45.48
Sep 2022 15.16 45.48
Jun 2022 16.51 45.48
Mar 2022 16.52 45.48
Dec 2021 16.53 45.48
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 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Interest Earned 7737.49 7859.89 8181.77 8708.03 9457.4
Other Income 1876.93 1902 1928.7 2010.82 2076.34
Interest Expended 3943.92 3874.73 4056.51 4405.98 4962.06
Operating Expenses 2465.28 2558.65 2660.29 2793.21 2891.3
Total Provisions 1654.2 1463.52 1250.99 1141.06 1064.73
Profit Before Tax 1551.02 1864.99 2142.68 2378.6 2615.65
Tax 389.75 503.62 539.39 591.88 656.45
Net Profit 1161.27 1361.37 1603.29 1786.72 1959.2
Net NPA % 0.71 0.64 0.67 0.61 0.62
Gross NPA % 2.48 2.27 2.35 2.11 2.06
Return on Assets % 1.26 1.47 1.7 1.78 1.86
NPM % 15.01 17.32 19.6 20.52 20.72

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 Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 16.53 16.52 16.51 15.16 16.51
indusind internati... 11.24 10.88 10.60 10.59 10.57
indusind limited 3.43 3.78 3.79 3.79 3.78
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 83.47 83.48 83.49 84.84 83.49
life insurance cor... 3.68 1.15 - - 1.15
bofa securities eu... 2.61 - - - -
route one offshore... 4.49 3.24 - - -
sfspvi ltd. 3.70 2.78 - 1.83 2.05
bnp paribas arbitr... 3.45 4.16 - - 3.46
europacific growth... - - 3.21 4.04 -
bridge india fund 2.77 3.04 3.05 3.05 3.04
ubs principal capi... 2.57 3.02 - - 1.39
dragsa india equit... 3.12 3.37 - - 2.15
sbi-etf nifty 50 2.14 2.63 2.02 2.22 2.54
route one offshore... - - 1.54 1.65 3.24
route one fund i, ... 3.01 2.17 - 1.10 2.17
dvi fund mauritius... - - 1.33 1.30 2.78
morgan stanley inv... 2.13 - - - -
nps trust- a/c uti... 1.29 1.43 1.22 1.23 1.38
bnp paribas arbitr... - - 1.91 1.80 -
icici prudential l... 2.34 - 1.80 1.34 -
goldman sachs (sin... 1.96 1.65 - - -
tybourne equity ma... - 1.65 1.97 1.76 1.44
government pension... 1.34 - - - -
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... 1.79 1.40 - - -
aditya birla sun l... - 1.60 1.79 - -
afrin dia 1.31 1.44 1.45 1.45 1.44
ishana capital mas... 1.66 1.54 - - -
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 - -
aasia corporation ... - - - - -
new leaina investm... - 1.11 1.14 1.14 1.11
hinduja ventures l... - - - - -
dragsa india long ... 1.10 1.30 - - -
kotak select focus... - - - - -
steadview capital... - - - - -
charles-lim asiagl... 1.15 - - - -
mirae asset large ... - - - - 1.13
aia company limited 1.13 - - - -
iepf 0.21 0.19 0.18 0.20 0.19

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

IndusInd Bank goes live on tax payment platform ‘TIN2.0’24 Mar 2023, 11:28AM IndusInd Bank informs about allotment of shares ESOS23 Mar 2023, 12:22PM Indusind Bank informs about disclosure28 Feb 2023, 12:30PM Indusind Bank informs about loss of share certificate24 Feb 2023, 4:30PM Indusind Bank informs about interest payment20 Feb 2023, 5:12PM Indusind Bank informs about details of loss of certificate1 Feb 2023, 4:55PM Indusind Bank informs about analyst meet outcome1 Feb 2023, 4:52PM Indusind Bank informs about analyst meet 25 Jan 2023, 2:50PM IndusInd Bank reports 58% rise in Q3 consolidated net profit18 Jan 2023, 4:44PM Indusind Bank - Quaterly Results18 Jan 2023, 3:44PM Indusind Bank - Quaterly Results18 Jan 2023, 3:44PM Indusind Bank - Quaterly Results18 Jan 2023, 3:44PM Indusind Bank informs about analyst meet17 Jan 2023, 5:13PM IndusInd Bank informs about loss of share certificate5 Jan 2023, 5:11PM IndusInd Bank partners with Qatar Airways, British Airways to introduce credit card 5 Jan 2023, 12:21PM IndusInd Bank’s net advances surge 19% in Q3FY234 Jan 2023, 10:29AM IndusInd Bank inaugurates branch in Srinagar22 Dec 2022, 12:52PM IndusInd Bank ties-up with SV Credit Line9 Dec 2022, 9:18AM Indusind Bank informs about press release2 Dec 2022, 12:36PM 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 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 1.5715 . The historical average PB was 2.52698405432295.

Brief about Indusind Bank

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