ALFA Finder| 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
- ₹81.73
- Market cap
- ₹70,520 Cr
- Revenue (annual)
- ₹40,549 Cr
- Net profit (annual)
- ₹1,611 Cr
- P/E (TTM)
- 23.5×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 36.67%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IDFC First Bank Ltd
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IDFC FIRST Bank allotted 35,45,636 equity shares to employees on exercise of ESOS options, raising paid-up capital to ₹86,28,37,12,890. No cash consideration figure is disclosed in the filing.
IDFC First Bank Earnings Call Transcript: Key Takeaways
IDFC First Bank reports its second consecutive quarter of PAT over ₹1,000 Cr, heavily impacted by massive FCNR mobilization which technicality suppressed NIMs while providing long-term structural liquidity.
IDFC First Bank Management Change
IDFC First Bank's board approved reappointing Pradeep Natarajan as Whole-Time Director for three years from June 2027, and appointing S. Ganesh Kumar as Part-Time Chairperson from May 2027. Independent director Aashish Kamat ceases December 17, 2026 on tenure completion.
IDFC First Bank Investor Presentation: Key Takeaways
Q2 FY27 PAT Rs 1,045 Cr (+196.5% YoY), core PAT Rs 1,036 Cr; NII Rs 6,184 Cr (+21%); GNPA 1.32%; FCNR(B) mobilisation Rs 34,390 Cr drives deposits.
IDFC First Bank Other Announcement
IDFC First Bank filed a NIL security cover certificate for the quarter ended 30 September 2026. It has only unsecured debt, so no cover ratio applies.
IDFC First Bank Results Update
IDFC First Bank's press release reports Q2 FY27 profit growth, with deposits up strongly year-on-year. It also highlights FCNR(B) mobilisation and a debut S&P investment-grade rating.