Date: August 5, 2026

KMP / Board / Auditor Changes

Not Specified

Dividend Declaration or Non-Declaration

Not Specified

Board Meeting Outcomes

Not Specified

Financial Results (Standalone & Consolidated)

Not Specified

Auditor’s Report

Not Specified

Disinvestment / Strategic Actions

Not Specified

Other Operational / Legal / Strategic Disclosures

Corporate Details:

  • Corporate Identity Number: L65191PN1994PLC076333
  • Year of incorporation: 1994
  • Corporate office: 8th floor, Tower 1, One World Centre, Senapati Bapat Marg, Prabhadevi (W), Mumbai - 400013
  • Paid-up Capital: ₹779.11 crores
  • Reporting boundary: Standalone basis
  • Turnover: ₹25,199.39 crores (for CSR applicability)
  • Net worth: ₹62,654.02 crores

Operations Overview:

  • 100% turnover from banking activities (NIC Code 64191)
  • 3,207 total locations (3,136 national + 71 national offices + 1 international plant + 3 international offices)
  • Operations in 28 States and 7 Union Territories nationally
  • 3 international representative offices (London, Abu Dhabi, Dubai)
  • 1 IBU IFSC unit at GIFT City, Gujarat

Employee Statistics:

  • Total employees: 49,449
  • Permanent employees: 46,694 (80.09% male, 19.91% female)
  • Other than permanent: 2,755 (71.11% male, 28.89% female)
  • Differently abled employees: 87 total (78.16% male, 21.84% female)
  • Employee turnover rate: 39.83% (37.72% male, 48.34% female)
  • Board composition: 9 directors with 22.22% female representation
  • Key Management Personnel: 3 with 0% female representation

Training and Development:

  • Board training: 3 programs covering IT & Cyber Security, Corporate Governance, Risk Management, ESG (100% coverage)
  • KMP training: 3 programs (33% coverage)
  • Employee training: 2 programs covering ethics, conduct, and compliance (90% coverage)
  • Human rights training: 54.67% of employees covered

Subsidiary and Associate Companies:

  • Bharat Financial Inclusion Limited: Subsidiary (100% owned)
  • IndusInd Marketing and Financial Services Private Limited: Associate Company (30% owned)

CSR Details:

  • CSR applicable: Yes
  • Turnover: ₹25,199.39 crores
  • Net worth: ₹62,654.02 crores
  • CSR beneficiaries: 2,523,882 across various programs
  • Holistic Rural Development: 102,023
  • Sustainable Environment: 74,280
  • Education and Employability: 75,168
  • Inclusive Sports: 955
  • Livelihood: 2,273,222
  • Healthcare, Armed Forces: 224

Grievance Redressal:

  • Customer complaints: 122,331 filed (25,616 pending)
  • Shareholder complaints: 76 filed (76 pending)
  • Employee complaints: 0 filed (0 pending)
  • POSH complaints: 31 filed (1 pending resolution)

Material ESG Issues:

1. Climate Change - Acute Physical (Risk): Extreme weather disruption risk

2. Operational Health and Safety (Risk): Air quality and infrastructure issues

3. Climate Change - Portfolio (Opportunity): Diversification into renewable energy

4. Digitisation (Opportunity): Enhanced customer experience and efficiency

Energy and Environmental Data:

  • Total energy consumption: 337,397 GJ
  • Renewable sources: 5,883 GJ (1.74%)
  • Non-renewable sources: 331,514 GJ
  • Energy intensity: 13.39 GJ per ₹ crore turnover
  • GHG emissions: 80,254 tCO2e (Scope 1: 21,673, Scope 2: 58,581)
  • Water withdrawal: 556,013 kL
  • Water consumption: 111,202 kL
  • Waste generated: 59.64 metric tonnes
  • Plastic waste: 16.13 MT
  • E-waste: 38.58 MT
  • Battery waste: 1.39 MT
  • Other non-hazardous: 3.54 MT

Governance Structure:

  • CSR and Sustainability Committee of the Board oversees sustainability initiatives
  • 2 independent directors on sustainability committee
  • Quarterly reviews of NGRBC principles
  • External assurance by Bureau Veritas India Pvt. Ltd.
  • Reasonable assurance for BRSR Core, limited assurance for BRSR Non-Core

Regulatory Compliance:

  • RBI penalties: ₹343,250 total
  • ₹130,000 for incognito visit irregularities
  • ₹212,750 for soiled note remittance irregularities
  • ₹500 for currency chest discrepancies
  • No anti-competitive conduct cases
  • No environmental non-compliances

Workplace Safety:

  • 100% of plants and offices assessed for health and safety
  • 100% employee participation in fire safety drills
  • No recordable work-related injuries or fatalities
  • Comprehensive OHS management system implemented

Financial Inclusion:

  • 1,288 banking outlets with ramp facilities for disabled customers
  • Financial literacy programs conducted in rural areas
  • PMJDY, PMJJBY, PMSBY schemes implemented