| Management target | Net Profit FY27 |
|---|
| Revenue growth | Core income grew strongly; Net Interest Income rose 21.1% YoY. |
|---|---|
| Margins | NIMs improved to 5.96%; cost of funds stable at 5.96%. |
| Demand visibility | Strong credit demand across mortgage, vehicle, and consumer loan segments. |
| Management confidence | Highly confident, emphasizing cultural shift toward a 'Customer First' bank. |
Growth
Customer deposits grew 16.6% YoY; CASA ratio remains exceptionally strong at 50.8%.
Outlook
Management upgraded ROA guidance to reach 1% for the full FY27, up from previous year-end targets.
Risks
Potential margin compression from asset-mix shifts and macroeconomic uncertainty leading to voluntary contingency provisioning.
Last quarter's promises, checked
Delivered
- Guided NIM 5.85% → delivered 5.93% (= BEAT)
- Guided Credit Cost ~2.10% → delivered 2.13% (= BEAT)
- Guided Opex growth 12.3% → delivered 12.3% (= BEAT)
Partly delivered
- Guided ROA 1% → delivered 0.5% - 0.75% adjusted (= PARTIAL)
Missed
- Guided deposit growth ~20% → delivered 16.8% (= MISS)
Earnings Call Transcript 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.
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IDFC First Bank Employee Stock Options
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IDFC First Bank Business Update
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- 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 Investor Presentation: Key Takeaways
IDFC FIRST Bank Q1-FY27: PAT crossed ₹1,000 Cr for the first time. Bank shows robust growth in retail deposits (80% of mix) and RAM book expansion while reducing legacy infrastructure exposure.