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Sr. Quarter ended No. 30.09.2021 30.06.2021 ( unaudited ) ( unaudited ) Regd . Office : 2401 , Gen. Thimmayya Road , Cantonment , Pune 411 001 CIN : L65191PN1994PLC076333 IndusInd Bank Unaudited Standalone Financial Results for the quarter / half year ended September 30 , 2021 Particulars ended 30.09.2021 ( unaudited ) Half year ended 30.09.2020 ( Rs . in lakhs ) Year ended 31.03.2021 ( audited ) Half year Quarter ended Quarter ended 30.09.2020 ( unaudited ) ( unaudited ) 1. Interest Earned ( a ) + ( b ) + ( c ) + ( d ) 765036 757470 717721 1522506 1433894 2899980 ( a ) Interest Discount on Advances / Bills 623886 618118 598774 1242004 1205374 2408535 ( b ) Income on Investments 99297 99838 95235 199135 195387 384611 ( c ) Interest on balances with Reserve Bank of India and 35006 29966 16964 64972 19044 67737 other inter - bank funds ( d ) Others 6847 9548 6748 16395 14089 39097 2. Other Income 183720 178107 155384 361827 307303 655861 3. Total Income ( 1 + 2 ) 948756 935577 873105 1884333 1741197 3555841 4. Interest Expended 399196 401099 389922 800295 775176 1547191 5. Operating Expenses ( i ) + ( ii ) 232114 221422 200130 453536 396835 835983 ( i ) Employees Cost 60163 60817 52411 120980 107574 221351 ( ii ) Other Operating Expenses 171951 160605 147719 332556 289261 614632 6. Total Expenditure Excluding Provisions and 631310 622521 590052 1253831 1172011 2383174 Contingencies ( 4 + 5 ) 7. Operating Profit before Provisions and 317446 313056 283053 630502 569186 1172667 Contingencies ( 3-6 ) 8. Provisions ( other than tax ) and Contingencies 170336 184402 196444 354738 422332 794253 9. Exceptional items 10. Profit ( + ) / Loss ( - ) from Ordinary Activities before 147110 128654 86609 275764 146854 378414 Tax ( 7-8-9 ) 11. Tax Expense 35757 31159 21905 66916 36086 94775 12. Net Profit ( + ) / Loss ( - ) from Ordinary Activities after Tax ( 10-11 ) 111353 97495 64704 208848 110768 283639 13. Extraordinary items ( net of tax expense ) 14. Net Profit ( + ) / Loss ( - ) for the period ( 12-13 ) 111353 97495 64704 208848 110768 283639 15. Paid up Equity Share Capital 77412 77388 75645 77412 75645 77337 ( Face Value : Rs.10 / - each ) 16. Reserves excluding revaluation reserves 4227843 17. Analytical Ratios ( i ) Percentage of shares held by Government of India 0.00 0.00 0.00 0.00 0.00 0.00 ( ii ) Capital Adequacy Ratio ( % ) - Basel III 17.37 17.57 16.55 17.37 16.55 17.38 ( iii ) Earnings per share ( EPS ) - ( Basic and Diluted ) ( Rs . ) ( a ) Basic EPS for the period / year before Extraordinary items ( not annualized ) 14.39 12.60 9.07 26.99 15.75 38.75 Diluted EPS for the period / year before Extraordinary items ( not annualized ) 14.36 12.58 9.07 26.94 15.74 38.68 ( b ) Basic EPS for the period / year after Extraordinary 14.39 12.60 9.07 26.99 15.75 38.75 items ( not annualized ) Diluted EPS for the period / year after Extraordinary items ( not annualized ) 14.36 12.58 9.07 26.94 15.74 38.68 ( iv ) NPA Ratios ( a ) Gross NPA Net NPA 624504 618576 453215 624504 453215 579499 177135 175959 105581 177135 105581 147657 ( b ) Gross NPA ( % ) 2.77 2.88 2.21 2.77 2.21 2.67 Net NPA ( % ) 0.80 0.84 0.52 0.80 0.52 0.69 ( v ) Return on Assets ( % ) ( annualized ) 1.26 1.12 0.83 1.19 0.73 0.90 ( vi ) Net Worth ( Refer Note 10 a ) 4254877 4207333 3780973 4254877 3780973 4137829 ( vii ) Outstanding Redeemable Preference Shares ( viii ) Capital Redemption Reserve ( ix ) Debt Equity Ratio ( Refer Note 10 b ) 0.77 0.79 0.77 0.77 0.77 0.77 ( x ) Total Debt to Total Assets ( Refer Note 10 c ) 0.12 0.13 0.16 0.12 0.16 0.14