| Margins | NIM compressed due to MFI reduction and wholesale growth. |
|---|---|
| Demand visibility | Strong growth in mortgage, vehicle, and consumer loans. |
| Management confidence | High on deposit normalization and RAM credit quality. |
Growth
FY26 Net Interest Income grew 10% to ₹21,215cr; Customer Deposits grew 17% YoY to ₹2.84 lakh crore.
Outlook
Targeting Cost-to-Income ratio reduction from 73.5% to ~55% over 4-5 years via operating leverage.
Risks
MFI industry crisis impacted NIM (down to 5.75%) and credit costs (2.13% for FY26).
Earnings Call filed with BSE, NSE: IDFCFIRSTB. Summary written with AI assistance from the document.
IDFC First Bank Ltd: key numbers
- Share price
- ₹79.54
- Market cap
- ₹68,586 Cr
- Revenue (annual)
- ₹40,549 Cr
- Net profit (annual)
- ₹1,611 Cr
- P/E (TTM)
- 29.8×Sector 21.9×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 36.10%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IDFC First Bank Ltd
All →IDFC First Bank Management Change
IDFC First Bank has appointed Mr. Shyamal Malhotra as Senior Management Personnel effective September 22, 2026. This is a leadership appointment disclosed under SEBI regulations.
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IDFC First Bank allotted 6,28,885 equity shares to employees upon the exercise of vested stock options under its ESOS scheme.
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- Value
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IDFC FIRST Bank Limited held its 12th Annual General Meeting on August 31, 2026. The meeting covered management presentations and shareholder interactions regarding the bank's performance.
IDFC First Bank Credit Rating
IDFC First Bank received credit ratings from S&P Global and CareEdge for its long-term issuer rating and senior notes.