IndusInd Bank has formally notified stock exchanges about its upcoming board meeting scheduled to approve the third quarter financial results for fiscal year 2026. The announcement, made on January 6, 2026, provides important details for investors and market participants.

Board Meeting Details

The bank's Board of Directors will convene on Friday, January 23, 2026, to consider and approve the unaudited consolidated and standalone financial results for the quarter and nine months ended December 31, 2025. This meeting is being held in accordance with Regulations 29(1) and 50(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Investor Engagement Plans

Following the declaration of financial results, IndusInd Bank will hold an earnings call with analysts and investors. The bank's top management will participate in these discussions to provide insights into the quarterly performance. The transcript and audio recording of the earnings call will be made available on the bank's official website at www.indusind.bank.in , ensuring transparency and accessibility for all stakeholders.

Trading Window Restrictions

In compliance with the bank's Code of Conduct to Regulate, Monitor and Report Trading by Designated Persons, specific trading restrictions are in effect. The trading window for IndusInd Bank securities has been closed since Friday, December 26, 2025, and will remain closed until Sunday, January 25, 2026.

This trading window closure is a standard regulatory requirement designed to prevent insider trading during the period when material financial information is being finalized and disclosed. The window will reopen two days after the financial results are declared, allowing normal trading activities to resume.

Regulatory Compliance

The notification has been submitted to the National Stock Exchange of India Limited, BSE Limited, and Luxembourg Stock Exchange, demonstrating the bank's commitment to maintaining transparency across all listing jurisdictions. The announcement is also being uploaded on the bank's website to ensure wide accessibility to all stakeholders and market participants.

Indusind Bank shares will be in focus on Tuesday following the release of its Q3 FY26 operational update, which revealed a challenging operating performance for the December quarter. The Mumbai-based private lender reported a significant 13% year-on-year contraction in its loan book and continued pressure on deposits, with both key metrics showing declines. The bank, which is the fifth largest private bank in India by revenue, witnessed notable declines across key financial metrics during the third quarter.

Key Financial Performance Metrics

The bank's financial performance for the quarter presents a challenging picture across different parameters:

Advances Portfolio Decline

Net advances stood at ₹3.18 lakh crore, marking a sharp 13.00% decline year-on-year from ₹3.67 lakh crore in the previous year. The loan book also contracted 2.20% sequentially from the September quarter. This significant decline in the advances portfolio indicates substantial challenges in the bank's lending operations, with the institution prioritising balance sheet stability over aggressive growth.

Deposit Base Performance

Total deposits came in at ₹3.94 lakh crore, declining 4.00% from ₹4.09 lakh crore a year ago. However, deposits showed a 1.00% sequential improvement from ₹3.89 lakh crore in September, suggesting some stabilisation in deposit mobilisation after a volatile first half of the financial year. This gradual improvement in deposit traction points to the bank's focus on balance sheet stability.

CASA Ratio Pressures

The Current Account Savings Account (CASA) ratio declined to 30.30% in the December quarter, compared with 34.90% a year earlier and 30.70% in the September quarter. This continued decline highlights ongoing pressure on low-cost deposits as customers shift funds towards higher-yielding alternatives. The sustained fall reflects a continued shift by depositors towards higher-yielding term deposits and other investment instruments, potentially impacting funding costs and net interest margins.

Market Performance

Shares of Indusind Bank closed flat at ₹899.50 on Monday. The stock has shown resilience despite the challenging operational metrics, as investors weigh the bank's focus on balance sheet stability against near-term growth concerns. Market participants will closely monitor the bank's ability to revive credit growth and manage deposit costs in the coming quarters.

Outlook and Strategic Focus

The latest numbers suggest Indusind Bank is navigating a challenging operating environment while prioritising balance sheet stability. While advance growth remained subdued, the gradual improvement in deposit traction indicates management's focus on strengthening the liability franchise. Going forward, market participants will closely monitor the bank's ability to revive credit growth, manage deposit costs, and rebuild its CASA base as competitive pressures persist across the banking sector.