| Management target | Net Profit FY27 |
|---|
| Revenue growth | NII grew 21.1% YoY; Fee income grew 22.9% YoY. |
|---|---|
| Margins | Clean NIM at 5.9%; guided to 5.8% for full year FY27. |
| Demand visibility | Strong business momentum; customer business grew 20% YoY. |
| Management confidence | High; confident in reaching 1% ROA and improving cost-to-income ratios. |
Growth
Loan book grew 20.6% YoY to INR 3.05 lakh Cr; customer deposits grew 16.6% YoY to nearly INR 3 lakh Cr.
Outlook
Management raised FY27 ROA guidance to ~1% and credit cost guidance improved to 150-160 bps.
Risks
Geopolitical uncertainties and monsoon-related factors prompted a prudent INR 515 Cr contingency provision.
Last quarter's promises, checked
Delivered
- Guided NIM ~5.85% → delivered 5.93% (= BEAT)
- Guided Credit Cost ~210 bps → delivered 213 bps (= BEAT)
- Guided Opex Growth ~12.3% → delivered 12.3% (= BEAT)
Partly delivered
- Guided ROA towards 1% → delivered 75 bps adjusted (= PARTIAL)
Missed
- Guided Deposit Growth ~20% → delivered 16.6% (= MISS)
- Guided Loan Growth ~20% → delivered 20.6% (= BEAT)
Investor Presentation 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.
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 Annual General Meeting
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.