IndusInd Bank's MD and CEO, Sumant Kathpalia, has stated that despite deposit costs being higher than the market, the bank plans to continue prioritizing granularisation of liabilities. Currently at 43% as per Basel-3, the bank aims to increase the percentage of granular liabilities to 48-50% by expanding branches and focusing on providing optimal rates for clients. Kathpalia further stated that the bank is confident in maintaining a stable margin scenario.