IDFC First Bank Limited (IDFCFIRSTB) Financial Results — Revenue ₹2.94 L Cr

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Revenue: ₹2.94 L CrNet Profit: ₹319 Cr

📢 Key Event
IDFC First Bank reports 20% YoY growth in gross advances and 17% YoY deposit growth for Q4 FY26

🔄 What Changed
Gross advances grew 20% YoY to ₹2,90,278 crores; total deposits rose 17% YoY to ₹2,94,475 crores; CASA ratio improved to 50.4%; cost of funds reduced to 6.00%; gross NPA fell to 1.61% and net NPA to 0.48%; normalized PAT for Q4 FY26 reached ₹746 crore, up 145.3% YoY

🔮 What's Next
Target to reduce cost-to-income ratio from 73.5% (FY26) to ~55% over 4-5 years through digitalization and scale; focus on expanding retail, agri, and MSME (RAM) portfolio with improved asset quality

💡 Investor Takeaway
Shareholders benefit from strong loan and deposit growth, improving profitability, and declining credit risk, supporting long-term value creation

IDFC First Bank reported a 20% YoY rise in gross advances to ₹2,90,278 crores and 17% YoY growth in total deposits to ₹2,94,475 crores as of March 31, 2026, driven by retail finance and strong deposit inflows. Profit after tax reached ₹746 crore in Q4 FY26, up 145.3% YoY, supported by declining credit costs and cost control, while normalized profit for the quarter stood at ₹1,636 crore. The bank improved its CASA ratio to 50.4% and reduced cost of funds to 6.00%, reflecting operational efficiency. Gross and net NPAs declined to 1.61% and 0.48% respectively, with collection efficiency at 99.6%. The board highlighted sustainable growth targets, including reducing cost-to-income ratio to ~55% over 4-5 years.

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About IDFC First Bank Limited (IDFCFIRSTB)

Financial Services · Banks · Listed on NSE

Market Cap: ₹58,235.25 Cr P/E: 36.2

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

IDFC First Bank Limited (IDFCFIRSTB) — Financial Results Announcement

About IDFC First Bank Limited (IDFCFIRSTB)

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