ScoreWhy is IndusInd Bank Ltd. ?
1
High Profitability with a Net Interest Margin of 4.64%
2
The Bank has a high Capital Adequacy Ratio of 16.06% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -19.93%
4
Flat results in Mar 26
- PAT(9M) At Rs 249.08 cr has Grown at -49.24%
- CREDIT DEPOSIT RATIO(HY) Lowest at 78.93%
- NON-OPERATING INCOME(Q) is 233.44 % of Profit Before Tax (PBT)
5
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 11-Jun-26 and has generated 5.22% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST and OBV
6
With ROA of 0.2, it has a Expensive valuation with a 1.1 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 10.24%, its profits have fallen by -64.7%
7
42.78% of Promoter Shares are Pledged
- In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IndusInd Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IndusInd Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
IndusInd Bank
10.2%
0.35
28.86%
Sensex
-5.14%
-0.39
13.26%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
4.64%
Net Profit Growth (5y)
-19.93%
Advance to Deposit
83.93%
Capital Adequacy Ratio (Tier 1)
16.06%
Gross NPA (latest)
3.43%
Gross NPA (avg)
2.55%
Coverage Ratio (avg)
71.02%
Cost to Income (avg)
51.66%
Net Interest Margin (avg)
4.25%
Operating Profit to Assets (avg)
7.72%
ROA (avg)
1.23%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
82
Price to Book Value
1.11
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
1.43%
ROA (Latest)
0.17%
Net NPA to Book Value
4.85
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
PAT(Q)
At Rs 532.71 cr has Grown at 123.8%
PBT LESS OI(Q)
Highest at Rs -975.40 cr.
-8What is not working for the Company
PAT(9M)
At Rs 249.08 cr has Grown at -49.24%
CREDIT DEPOSIT RATIO(HY)
Lowest at 78.93%
NON-OPERATING INCOME(Q)
is 233.44 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IndusInd Bank
Profit After Tax (PAT) - Quarterly
At Rs 532.71 cr has Grown at 123.8%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -975.40 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
CAR - Quarterly
Highest at 17.48%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for IndusInd Bank
Credit Deposit Ratio - Half Yearly
Lowest at 78.93% and Fallen
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income - Quarterly
is 233.44 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
