IDFC First Bank Q4 Results: PAT grows 5% YoY to Rs 319 crore; NIM drops 2 bps to 5.93%
The private lender’s net interest margins (NIM) saw a 2 basis points year-on-year decline to 5.93% in Q4FY26 versus 5.95% in the year-ago period.
IDFC First Bank earned an interest income of Rs 10,553 crore in the quarter under review, up 12% from Rs 9,413 crore reported in the year-ago period. The lender paid Rs 4,876 crore as interest in Q4FY26 versus Rs 4,506 crore in Q4FY25, recording a near 8% jump.
The net interest income or NII (which is interest earned less interest expensed) stood at Rs 5,677.19 crore in Q4FY26 compared to Rs 4,907.16 crore in the year-ago period, implying a 16% increase.
IDFC First Bank said the company’s total customer business grew 19% YoY and 2.2% QoQ to Rs 5.75 lakh crore in the said quarter.
Loans & deposits
The loans & advances surged 20% YoY and 4% QoQ to Rs 2.90 lakh crore in Q4FY26, while deposits also rose at a healthy pace of over 17% YoY to 2.84 lakh crore. Sequentially, there was a marginal uptick of 0.6%.
CASA deposits were reported at Rs 1.46 lakh crore in the January-March quarter, rising 24% over the same period in the last financial year, while dropping 2.5% quarter-on-quarter.Cost of funds witnessed a YoY and QoQ decline by 51 bps and 11 bps, respectively, at 6%.
Capital Adequacy — a measure of how much capital (own funds) a bank has relative to its risk-weighted assets, ensuring it can absorb losses and remain solvent — stood at 15.60% in Q4FY26, down 62 bps QoQ and up 12 bps YoY.
More to come….
