| Metric | Value (₹ Cr) | Q2 FY26 | Q3 FY25 |
|---|---|---|---|
| Revenue | 10.4K | 4.8% | 11.5% |
| Total Income | 12.5K | 6.0% | 12.8% |
| Expenditure | 10.5K | 5.8% | 12.5% |
| PBT | 611.15 | 44.2% | 44.8% |
| Net Profit | 478.65 | 37.6% | 40.7% |
| OPM | 19.29% | 0.42pp | |
| NPM | 3.82% | 0.88pp | 0.76pp |
| EPS | 0.54 | 54.3% | 17.4% |
IDFC First Bank Q3 FY26 PAT at Rs. 503 crores, PAT up 48% YoY
31 Jan 2026 · 31 Jan, 4:04 pm
Summary
IDFC First Bank has reported a Profit After Tax (PAT) of Rs. 503 crores for the third quarter of the financial year 2025-2026, marking a 48% year-over-year increase. The bank's total customer business, loans and advances, and customer deposits have also seen significant growth.
Key Highlights
- 1
IDFC First Bank Q3 FY26 PAT at Rs. 503 crores, PAT up 48% YoY
- 2
Total Customer Business: 4,58,390 (Dec-24) to 5,62,090 (Dec-25), 22.62% YoY increase
- 3
Loans and Advances: 2,31,074 (Dec-24) to 2,79,428 (Dec-25), 20.93% YoY increase
- 4
Gross NPA: 1.94% (Dec-24) to 1.69% (Dec-25), -25 bps QoQ decrease
- 5
Net NPA: 0.52% (Dec-24) to 0.53% (Dec-25), 1 bps QoQ increase
- 6
Customer Deposits: 2,27,316 (Dec-24) to 2,82,662 (Dec-25), 24.35% YoY increase
- 7
CASA Deposits: 1,13,078 (Dec-24) to 1,50,350 (Dec-25), 32.96% YoY increase
- 8
Cost of Funds: 6.49% (Q3 FY25) to 6.11% (Q3 FY26), -38 bps YoY decrease
- 9
Net Profit: 339 (Q3 FY25) to 503 (Q3 FY26), 48.05% YoY increase
- 10
Capital Adequacy: 16.11% (Dec-21) to 16.22% (Dec-25), 11 bps YoY increase
Management Comments
Mr. V Vaidyanathan
MD and CEO
We are seeing a strong business momentum across all our main lines of businesses, including lending, deposits, wealth management, transaction banking etc. Our asset quality has improved with GNPA at 1.69% and Net NPA at 0.53% as of 31°‘ December 2025. On cost of funds, we expect it to further drop from here because of recent revision in savings rates, which will enable us to expand our lending franchise.
Informational and educational content only. Not investment advice.