INDUSINDBKIndusInd Bank Limited Forensic Risk Analysis

Private Sector Bank
Risk ClassWatch
Market Cap₹72,999 Cr
Primary DriverGovernance
Flagium AI Risk Score
Early signs of stress detected. Not yet widespread, but initial deterioration is visible.
35 / 100
-8 QoQ
Improving
Sentinel Insight

Early signs of pressure are emerging in asset quality. Pressure is receding in governance. This suggests the risk profile is currently stabilizing. Risk levels are improving.

94.7th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹912.5▲1.26%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+35.0 pts
Final Composite Risk35 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 35 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • GNPA Spike
  • CAR Decay
  • NIM Compression
What to Watch Next Quarter
  • Operating profit margins

Active Risk Objects (3)

CriticalHigh
GNPA Spike
🔭 Relative Sector RiskQuarterlyActive for 6 Qtrs
More Detail
Impact Weight15/15
MomentumDecaying
Last SignalQ3 FY2026
INDUSINDBK: GNPA spiked by 131 bps YoY to 3.56%.

"Asset quality signals are beginning to normalize. Historical credit costs are now receding."

NIM Compression
📊 Earnings QualityQuarterlyActive for 8 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ3 FY2026
INDUSINDBK: NIM compressed by 52 bps YoY (to 3.47%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

CAR Decay
🏛️ Solvency & LeverageQuarterlyActive for 2 Qtrs
More Detail
Impact Weight15/15
MomentumDecaying
Last SignalQ4 FY2025
INDUSINDBK: Persistent 3-quarter CAR decline detected in vigilance zone.

"Capital position is strengthening through fresh equity or higher profit retention."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)6.8211.47✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+31.0+42.5📈 CRITICAL
Forensic Benchmark Context: Private Sector Bank (n=20 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹912.5(+1.26%)
1M Divergence+0.27%
1 Week-2.12%
1 Month-0.39%
6 Months+5.74%
1 Year+12.28%
2 Year-36.89%
3 Year-28.38%
Sector Average (1M)-0.66%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The risk profile is Early Signals and currently improving. Recent structural triggers in governance suggest a building pressure on the underlying framework. Material forensic traces are visible in structural transparency and audit trails, indicating a progressive erosion of structural stability. Initial structural recovery is visible; monitor for a sustained return to resilience.

INDUSINDBK • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.92%
Trend QualityDeveloping
Phase Progression
Phase Progression Score65%
Readiness LabelModerate (Transition Potential Building)
Probability of Advancing92%
CoinTree Momentum
Composite Z-Score-0.0991σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#1192 of 2716
Top 43.89% in momentum strength
Timeframe Sparklines
1W-2.1%
1M-0.4%
6M+5.7%
Weinstein Indicators
150 DMA₹871.27
200 DMA₹841.66
150 DMA Slope+2.6474%Rising
Relative Strength+11.22%Leading
Relative Turnover (RTR)0.6707
ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

This company shows higher risk compared to the Sector Mean (23.5).
AXISBANKAxis Bank Limited
22 Risk
Sector %ile37th
Delta-5
Active Flags15
Accel+0
Earnings Quality

Watch

BANDHANBNKBandhan Bank Limited
25 Risk
Sector %ile58th
Delta-5
Active Flags14
Accel+0
Governance

Watch

INDUSINDBKIndusInd Bank Limited
35 Risk
Sector %ile95th
Delta-8
Active Flags3
Accel+0
Governance

Watch

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

GNPA Spike

2026

NIM Compression

2026

GNPA Spike

2026

NIM Compression

2026

GNPA Spike

2026

NIM Compression

2025

CAR Decay

2025

GNPA Spike

2025

NIM Compression

2025

CAR Decay

2025

GNPA Spike

2025

NIM Compression

2025

GNPA Spike

2025

NIM Compression

2025

NIM Compression

2024

NIM Compression

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY202653,48088999342,789
FY202556,3582,57618,27853,704
FY202455,1448,977-16,92547,611