| Margins | FY26 NIM 5.75%; expected stable; Q4 NIM beat at 5.93%. |
|---|---|
| Demand visibility | Strong traction in mortgages, vehicle, and consumer loans. |
| Management confidence | High confidence in normalized deposit growth and reaching 1% ROA. |
Growth
Loans grew 20% YoY to ₹2.9 lakh cr. Customer deposits rose 17% YoY. Normalized PAT grew 145% YoY.
Outlook
Guided FY27 credit cost at 170-180 bps; NIM expected to remain stable at 5.75%; 20% deposit growth targeted.
Risks
One-off ₹646cr fraud incident in Q4; tight liquidity and West Asia crisis impacting deposit flows.
Earnings Call filed with NSE, NSE: IDFCFIRSTB. Summary written with AI assistance from the document.
IDFC First Bank Ltd: key numbers
- Share price
- ₹83.80
- Market cap
- ₹72,259 Cr
- Revenue (annual)
- ₹40,549 Cr
- Net profit (annual)
- ₹1,611 Cr
- P/E (TTM)
- 31.4×Sector 22.0×
- 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.
IDFC First Bank Employee Stock Options
IDFC First Bank allotted 6,28,885 equity shares to employees upon the exercise of vested stock options under its ESOS scheme.
IDFC First Bank Employee Stock Options
IDFC FIRST Bank has allotted 4,86,713 equity shares of ₹10 face value to employees upon the exercise of vested stock options under the ESOS scheme.
IDFC First Bank Business Update
IDFC FIRST Bank mobilized approximately Rs. 33,975 Crore from NRI customers via the RBI FCNR(B) swap window. This represents 11% of the bank's June 2026 deposit base.
- Value
- ₹58,695 Cr
IDFC First Bank Investor Presentation: Key Takeaways
IDFC First Bank reports Q1 FY27 PAT of INR 1,075 Cr (+132% YoY) and strong business momentum with customer business crossing INR 6 lakh Cr.
IDFC First Bank Earnings Call Transcript: Key Takeaways
IDFC First Bank delivers a record profit of ₹1,075 crore, crossing a critical psychological threshold. Management shifts focus from building the deposit foundation to aggressive ROA expansion and cost-to-income normalization.