IndusInd Bank Q4 FY25 Business Update | Loan Growth Slows, CASA Under Pressure

reported a mixed set of numbers in its Q4 FY25 business update, with muted loan growth and some pressure on key metrics. Loan Book Performance: Net advances stood at ₹3.47 lakh crore, reflecting a modest 1.4% YoY growth. However, on a sequential basis, advances declined by 5.2%, largely due to a sharp 15.1% QoQ drop in corporate banking loans. On the other hand, the consumer banking segment showed resilience, growing 6.3% YoY and 3.4% QoQ. Deposit Trends: Total deposits grew 6.8% YoY and 0.4% QoQ to ₹4.11 lakh crore. Despite this, the CASA ratio slipped to 32.8%, down from 37.9% a year ago and 34.9% in Q3, indicating a rising reliance on costlier term deposits. Retail and small business deposits stood at ₹1.85 lakh crore, slightly lower than ₹1.88 lakh crore in the previous quarter. Liquidity Position: The bank reported an average Liquidity Coverage Ratio (LCR) of 118.4% for Q4 FY25, compared to 136.2% as of March 31, 2024—still above regulatory requirements, but showing a reduction in surplus liquidity. Technically, the stock has decisively broken down from its long-term upward channel, signaling a structural trend reversal. It is trading well below its 70-day, and 100-day moving averages, indicating sustained bearish momentum. The recent bounce appears weak, with price struggling near the ₹700-₹720 resistance zone, while the RSI at 35.31 remains in oversold territory, showing no strong reversal signs yet. Until the price decisively reclaims ₹750–₹800, upside may remain capped. The breakdown from the channel suggests potential further downside towards ₹620–₹650, with any relief rally likely to face selling pressure at higher levels. Caution is advised unless strong buying emerges on volume. I have attached the daily chart of for your reference. Note: This is for informational purposes only.