| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 10.6K | 1.3% | 12.1% |
| Total Income | 12.2K | 2.9% | 7.7% |
| Expenditure | 11.1K | 5.5% | 16.8% |
| PBT | 200.99 | 67.1% | 41.6% |
| Net Profit | 330.64 | 30.9% | 11.8% |
| OPM | 10.14% | 9.15pp | 8.93pp |
| NPM | 2.71% | 1.11pp | 0.10pp |
| EPS | 0.38 | 29.6% | 5.0% |
IDFC First Bank Q4 FY26 PAT Up 5% to ₹319 Cr
25 Apr 2026 · 25 Apr, 4:21 pm
Summary
IDFC FIRST Bank delivered a Profit After Tax of ₹319 crore for Q4 FY26, representing a 4.9% year-on-year rise. Notably, the normalized PAT, excluding one-time items, surged by 145.3% year-on-year to ₹746 crore. The bank also achieved robust growth in its core business, with Loans and Advances increasing by 20.0% to ₹2,90,278 crore and Customer Deposits rising by 17.3% to ₹2,84,453 crore. Asset quality showed significant improvement, with Gross NPA and Net NPA falling to healthy levels of 1.61% and 0.48% respectively. CEO Mr. V Vaidyanathan expressed confidence in the bank's stable asset quality and highlighted a strong start for deposits in Q1 FY27, projecting healthy future growth.
Key Highlights
- 1
IDFC FIRST Bank reported a Profit After Tax (PAT) of ₹319 crore for Q4 FY26, marking a 4.9% year-on-year increase.
- 2
Excluding one-time impact items, the normalized Profit After Tax for Q4 FY26 stood at ₹746 crore, demonstrating a significant 145.3% year-on-year growth.
- 3
The bank's Loans and Advances grew by 20.0% year-on-year to ₹2,90,278 crore as of March 31, 2026.
- 4
Customer Deposits increased by 17.3% year-on-year to ₹2,84,453 crore, while CASA Deposits grew 24.0% year-on-year to ₹1,46,650 crore.
- 5
Asset quality showed significant improvement with Gross NPA decreasing by 27 bps year-on-year to 1.61% and Net NPA falling by 5 bps year-on-year to 0.48% for Q4 FY26.
- 6
The Wealth Management Business grew 23% year-on-year, surpassing ₹57,000 crore, and credit cards in force exceeded the 4.5 million mark during Q4 FY26.
- 7
Provisions as a percentage of average loans continuously reduced during FY26, reaching 1.63% in Q4 FY26, which is the lowest level in two years.
Management Comments
Mr. V Vaidyanathan
The asset quality of the bank remains stable. We have always mentioned that the asset quality of all businesses continues to perform well, except for the micro-finance book, which was an issue for the entire industry in FY25 and FY26. Hence, with the micro-finance issue behind us, the GNPA and NNPA have come down to healthy levels of 1.61% and 0.48% respectively. The provisions during Q4 FY26 have come down to the lowest level of two years, at 1.63% of loans, which is equivalent to 1.18% of assets. The first month of Q1FY27 has started strong for deposits, and the bank is confident of growing its deposit business healthily in line with past trends.
Informational and educational content only. Not investment advice.