CreditBrief

What IndusInd Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.63 lakh crore (+15% since March).

IndusInd BankPrivate banks

₹3.16lakh croretotal loan book on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers13thof 33 banks on CreditBrief, March 2026
Biggest segment27.7%Vehicle Finance, latest split (30 Sep 2026)
Share of the combined book1.5%of all banks on CreditBrief

Chapter 01 · The loan book

₹3.16 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in IndusInd Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from vehicle finance down, and you get ₹3.16 lakh crore. By 30 Sep 2026 it was ₹3.63 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

58%People and households₹2.10 lakh croreVehicle FinanceRural BankingConsumer Banking
42%Businesses₹1.53 lakh croreLarge CorporatesInstitutional & Government BankingCommercial Banking, Mid Market and Others

Drilling down: what it lends against · 30 Sep 2026

  • Vehicle Finance₹1.01 lakh crore27.7%
  • Consumer Banking₹76,341 crore21%
  • Large Corporates₹58,631 crore16.1%
  • Commercial Banking, Mid Market and Others₹56,947 crore15.7%
  • Institutional & Government Banking₹37,197 crore10.2%
  • Rural Banking₹33,338 crore9.2%

Rural Banking is mostly microloans (₹17,571 crore), plus merchant, Kisan credit card and affordable housing loans. Consumer Banking includes ₹16,564 crore of loans against FCNR(B) deposits.

Sources: IndusInd Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 14 ↗ for March 2026; IndusInd Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 14 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 7.2% a year since March 2022.

From ₹2.39 lakh crore on 31 March 2022 to ₹3.16 lakh crore on 31 March 2026, and ₹3.63 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights33 figures from 17 filings · each checked against its pageHow it works
IndusInd Bank · loan book · 31 March 2026₹3.16lakh crore-8.4% in FY2025-26₹3.63 lakh crore by 30 Sep 2026
  1. 017.2%a year since 2022Grew 7.2% a year from March 2022 to March 2026, faster than 0 of the 29 other banks with like-for-like figures for those years.
  2. 028.4%in FY2025-26Growth slowed to -8.4% in FY2025-26, from 0.5% the year before.
  3. 0312thamong peersSlipped from 12th to 13th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹4.00 lakh crore-2.7% · in FY2025-26
Loans to deposits79.0%-5.0 pts · in FY2025-26
CASA ratio31.2%-1.6 pts · in FY2025-26
Branches3,136+1.8% · in FY2025-26
Mobile app users4.8 million+200% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · total loan book2,39,0522,89,9243,43,2983,45,0193,15,8713,63,104
Corporate and wholesale loans₹ crore1,09,4631,34,1501,52,0531,43,4631,08,5251,52,774
Deposits₹ crore2,93,3493,36,1203,84,5864,10,8623,99,9314,28,832
CASA ratio%42.7040.1038.0032.8031.2427.93
BranchesNumber2,2652,6062,9843,0813,1363,139
Mobile app usersMillion1.64.85.4

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at IndusInd Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

IndusInd Bank, Q2 FY2026-27: loan book ₹3.63 lakh crore, +15% since March

  • ₹3.63 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Vehicle Finance, 28% of the book
  • Every figure links to page 14 of its filing

Chapter 03 · Among its peers

13th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.5% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 13IndusInd Bank₹3.16 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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