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INDUSINDBK: Revenue Expansion And Lower Risk Profile Will Support Upside Potential

Rising Digitization And Urbanization In India Will Transform Retail Lending

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INDUSINDBK
AnalystHighTarget
Not Invested
Published 18 Jun 2025

Update shared on 12 Dec 2025

Fair value Increased 3.24%
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AnalystHighTarget's Fair Value
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1Y
-14.2%
7D
-2.8%

Analysts have raised their price target on IndusInd Bank from ₹989 to ₹1,021, citing expectations of faster revenue growth that they believe will offset a modestly lower profit margin, supported by a slightly higher justified future P E multiple and a lower discount rate.

What's in the News

  • IndusInd Bank will be removed from the S&P/CNX NIFTY Index, which may affect its visibility with passive and index-tracking investors (Index Constituent Drops).
  • The bank has scheduled a board meeting on October 18, 2025 to consider and approve unaudited consolidated and standalone financial results for the quarter and half year ended September 30, 2025 (Board Meeting).
  • IndusInd Bank appointed Viral Damania as Chief Financial Officer effective September 22, 2025, while Santosh Kumar will continue as Deputy CFO after stepping down from additional responsibilities as Special Officer, Finance and Accounts (Executive Changes).
  • CRED and IndusInd Bank launched the CRED IndusInd Bank RuPay credit card, which offers enhanced rewards on e-commerce and flexible redemption options across flights, hotels, and the broader CRED ecosystem (Product Related Announcement).

Valuation Changes

  • The consensus analyst price target has risen slightly, with fair value increasing from approximately ₹989.36 to ₹1,021.40.
  • The discount rate has fallen moderately, moving from about 15.12 percent to 13.20 percent, reflecting a lower perceived risk profile.
  • The revenue growth expectation has increased meaningfully, from roughly 34.58 percent to 40.43 percent.
  • The net profit margin forecast has edged down slightly, from about 26.70 percent to 25.15 percent.
  • The future P/E multiple has risen modestly, from around 10.15x to 10.66x, supporting a higher valuation.

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