IDFC First Bank Ltd Q1 FY26 Results

Summary

IDFC First Bank has reported a 32% Year-over-Year (YoY) decrease in Profit After Tax (PAT) for Q1 FY26, despite a 25.5% increase in customer deposits. The bank's total deposits stood at Rs. 2,56,799 crore as of June 30, 2025. The bank's retail deposits grew by 24.5% YOY, reaching Rs. 2,04,222 crore. The CASA deposits grew by 30.2% YOY, reaching Rs. 1,27,158 crore, and the CASA ratio stood at 48.0% as of June 30, 2025.

Key Highlights

1. 1

   Customer Deposits increased 25.5% YOY

2. 2

   Retail Deposits grew by 24.5% YOY

3. 3

   CASA Deposits grew by 30.2% YOY

4. 4

   Loans and Advances increased by 21.0% YOY

5. 5

   Retail, Rural and MSME book grew by 17.4% YoY

6. 6

   Microfinance portfolio reduced by 36.9% YoY

7. 7

   Wholesale book grew by 38.6% YOY

8. 8

   Net Interest Income (NII) grew 5.1% YOY

9. 9

   Net Interest Margin (NIM) on AUM of the Bank reduced by 24 bps QoQ

10. 10

    Fee and Other Income grew by 8.5% YoY

11. 11

    Operating Profit (including trading gains) grew 19.0%

12. 12

    The Capital adequacy ratio, including profits for Q1 FY26 was at 15.01%