RBI Said, Indusind Bank Well-Capitalized, Financial Position Remains Satisfactory | RBI said- IndusInd Bank has adequate capital: bank's financial condition also stable, depositors do not need to worry

The Reserve Bank of India i.e. RBI said on March 15 that IndusInd Bank has enough capital and its financial condition is also stable. In fact, on March 10, IndusInd Bank revealed lapses in its derivative portfolio after the stock market was closed.

Due to this, there was a major decline in the bank shares on March 11. Many kinds of things had also started about the future of the bank. According to the RBI, IndusInd Bank's Capital Educive Ratio (CAR) was 16.46% in the quarter ended December 2024 and the provision coverage ratio (PCR) 70.20%. On 9 March 2025, the bank's liquidity coverage ratio (LCR) was also 113%, it is more than the RBI's 100% condition.

The RBI said in the statement that the bank has appointed an external audit team to detect the system's review and lapses in derivative portfolio. The central bank has asked the board and management of the bank to take all the necessary measures in the fourth quarter and make stakeholders aware of the necessary information.

Bank's financial condition stable

The RBI has also said that the deposits of IndusInd Bank do not need to pay attention to the ongoing discussions about the bank. The bank's financial condition is stable and the central bank is monitoring the situation. Experts say that RBI has made this statement to remove the concern of IndusInd Bank deposits. This will give a lot of relief to the customers of the bank.

The reason for this is that RBI has taken necessary steps on time when banks were caught in crisis in the last years, which saved the banks from drowning. This also saved the money of the bank's customers from drowning. Yes Bank in 2020, RBL Bank in 2021 and Global Trust Bank in 2024 are examples of this. However, the news of lapsase in derivative portfolio has affected the credibility of IndusInd Bank.

Bank's share fell 27% on March 11

In fact, IndusInd Bank had reported in the exchange filing on Monday (March 10) that the internal review has revealed the accounting descriptioni in the derivative portfolio. This may reduce the bank's earnings and the net worth may fall by 2.35%.

After this news, IndusInd Bank shares fell by 27% on Tuesday (March 11). It fell by Rs 243 to ₹ 656.80. However, on 13 March, the bank's stock closed at Rs 672.65.

What is the matter, who will be affected?

What steps are IndusInd Bank taking now?

The bank has launched a detailed internal review and has an external agency appointment to validate its findings.

What is derivatives?

Derivatives have a financial contracts between two parties. The value of which depends on the performance of the asset and benchmark. Options, swaps and forward contracts are examples of this. They are used for work like risk hedging or speculative.

Profit reduced by 39% in third quarter

The country's fifth largest private sector lender IndusInd Bank received a net profit of Rs 1,402.33 crore in the third quarter of FY 2024-25. It has 39% of it on the basis of Salan. The bank made a profit of Rs 2,301.49 crore in the same quarter of a year ago.

The bank earned Rs 15,155.80 crore in the October-December quarter. This was 8.50% higher than last year's ₹ 13,968.17 crore. The bank said that the company's profit has reduced due to increase in expenses.