| Metric | Value (₹ Cr) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 9.9K | 3.1% | 10.9% |
| Total Income | 11.8K | 0.3% | 10.7% |
| Expenditure | 10.0K | 3.3% | 14.3% |
| PBT | 423.71 | 25.8% | 72.9% |
| Net Profit | 347.80 | 23.3% | 64.1% |
| OPM | 18.87% | 4.26pp | |
| NPM | 2.94% | 0.88pp | 0.96pp |
| EPS | 0.35 | 43.5% | 25.0% |
IDFC First Bank Q2 FY26 PAT at Rs. 352 crore, PAT up 76% YoY
18 Oct 2025 · 18 Oct 2025, 05:11 pm
Summary
IDFC First Bank published its unaudited financial results for the quarter and half year ended September 30, 2025. The bank reported a YoY increase in loans and advances, customer deposits, and a decrease in gross and net NPAs. The bank's net profit for Q2 FY26 was up 75.6% YoY.
Key Highlights
- 1
Total Customer Business: 4,40,640 (Q2 FY25), 5,10,031 (Q1 FY26), 5,35,673 (Q2 FY26)
- 2
Loans and Advances: 2,22,613 (Q2 FY25), 2,53,233 (Q1 FY26), 2,66,579 (Q2 FY26)
- 3
Gross NPA: 1.92% (Q2 FY25), 1.97% (Q1 FY26), 1.86% (Q2 FY26)
- 4
Net NPA: 0.48% (Q2 FY25), 0.55% (Q1 FY26), 0.52% (Q2 FY26)
- 5
Customer Deposits: 2,18,026 (Q2 FY25), 2,56,799 (Q1 FY26), 2,69,094 (Q2 FY26)
- 6
CASA Deposits: 1,09,292 (Q2 FY25), 1,27,158 (Q1 FY26), 1,38,583 (Q2 FY26)
- 7
Cost of Funds: 6.46% (Q2 FY25), 6.42% (Q1 FY26), 6.23% (Q2 FY26)
- 8
Net Profit: 201 (Q2 FY25), 463 (Q1 FY26), 352 (Q2 FY26)
- 9
Capital Adequacy: 16.36% (as of Sep 30, 2025), 15.01% (as of Sep 30, 2024), 14.34% (as of Sep 30, 2025)
Management Comments
Mr. V Vaidyanathan
MD and CEO
The stress in the MFI business was an MFI industry issue and looks like it is behind us. Other than MFI, the asset quality of the Bank has always been stable for over a decade through cycles and continues to be so with Gross NPA at 1.86% and Net NPA at 0.52% as of 30 September 2025. On cost of funds, we expect it to drop from here on. The bank is witnessing improving operating leverage.
Informational and educational content only. Not investment advice.