| Revenue growth | Total deposits grew 16.8% YoY; loans grew 20% YoY. |
|---|---|
| Margins | NIMs beat guidance at 5.93% for Q4; 5.75% for full year. |
| Demand visibility | Strong traction across mortgages, vehicle, and consumer loans; MFI book recovering. |
| Management confidence | CEO V. Vaidyanathan remains over-optimistic about long-term profitability and deposit stability. |
Growth
Loans and advances grew 20% YoY to ₹2.9 lakh cr; customer deposits rose 17% to ₹2.84 lakh cr.
Outlook
Guided FY27 NIM stability at 5.75%; credit cost target 1.70-1.80% and 5% QoQ deposit growth.
Risks
One-time fraud hit of ₹480cr post-tax; West Asia crisis impact on deposit flows and liquidity remains a concern.
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.
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