IndusInd Bank reported a mixed Q3 business update, with pressure visible on loan growth and funding mix. Q3 Key Metrics Net Advances: ~₹3.18 lakh crore, down ~13% YoY and ~2% QoQ Total Deposits: ~₹3.94 lakh crore, down ~4% YoY, marginally higher QoQ CASA Ratio: ~30.3%, indicating continued stress on low-cost deposits What this indicates Loan book contraction contrasts with broader industry credit growth Lower CASA may lead to higher cost of funds, impacting margins Deposit trends show stabilization sequentially, but YoY pressure persists What investors should track Recovery in loan growth momentum Improvement in CASA ratio and deposit mix Margin trajectory and asset quality trends Investor takeaway IndusInd Bank’s Q3 update highlights near-term headwinds in growth and funding. Improvement in deposit mobilisation and credit growth will be key for earnings recovery. If you found this post helpful, do follow me for more such insights!

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