IDFC First Bank Limited (IDFCFIRSTB) Financial Results — Revenue ₹2.90 L Cr

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Revenue: ₹2.90 L CrNet Profit: ₹319 Cr

📢 Key Event
IDFC First Bank reported Q4 FY26 results with strong loan and deposit growth, improved asset quality, and elevated adjusted PAT.

🔄 What Changed
20% YoY loan growth, gross NPA down to 1.61%, net NPA to 0.48%, NIM at 5.93% (above guided 5.85%), credit cost at 1.63%, and adjusted PAT of Rs 746 crores.

🔮 What's Next
Targeting 18-18.5% top-line growth next year, deposit base expansion to Rs 5-10 lakh crores, and maintaining NIM stability at ~5.75% full year. Credit cost projected at 170-180 bps, with ROA improvement supported by operating leverage and margin stability.

💡 Investor Takeaway
The bank is building scalable, higher-margin businesses while managing near-term losses in credit cards and home loans, positioning for improved profitability and capital efficiency by FY27.

IDFC First Bank reported robust Q4 FY26 performance with 20% YoY loan growth to Rs 2.9 lakh crores, improved asset quality (gross NPA 1.61%, net NPA 0.48%), and 16.8% deposit growth to Rs 2.94 lakh crores. PAT reached Rs 319 crores reported, adjusted to Rs 746 crores excluding one-time items, while NIM expanded to 5.93% above guidance. Credit cost declined to 1.63%, and MFI disbursements grew 27% sequentially. One-time impacts included Rs 646 crores in fraud claims and Rs 159 crores in treasury losses, partially offset by Rs 173 crores in tax refunds.

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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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