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IDFC First Bank (IDFCFIRSTB) investor relations material
IDFC First Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary18 Oct, 2025
Executive summary
Customer deposits grew 23.4% YoY to INR 2.69 lakh crore, with retail deposits up 21.4% YoY and CASA deposits up 26.8% end-of-period and 32% on average basis.
Loans and advances increased 20% YoY to INR 2.67 lakh crore, with strong growth in mortgages, vehicle loans, business banking, and wholesale loans; microfinance portfolio declined to 2.7% of assets.
Asset quality improved: gross NPA at 1.86%, net NPA at 0.52%, and PCR at 72.2%.
Profit after tax for Q2 FY26 was INR 352 crore, up 75.6% YoY but down 23.8% QoQ; H1 FY26 net profit grew 75% YoY.
Built a universal bank with a full suite of products, digital leadership, and a strong brand presence.
Financial highlights
Average CASA ratio improved to 48.6% from 46.3% YoY; period-end CASA ratio at 50.1%.
Credit card book crossed INR 8,600 crore, with over 4 million cards issued and 30% YoY growth in spends for H1 FY26.
Wealth management AUM grew 28% YoY to INR 55,000 crore.
Net interest margin (NIM) at 5.59%, down 59 bps YoY and 12 bps QoQ.
Fee and other income up 13.2% YoY; trading gains sharply lower at INR 56 crore vs INR 495 crore in Q1.
Outlook and guidance
Margins expected to improve in Q3 and Q4, with Q4 NIM guided above 5.8%, assuming another repo cut.
Credit cost guidance maintained at 2.05%-2.1% for FY26, with H2 expected to be lower at 1.6%-1.8%.
NII expected to increase in H2 FY26 as deposit rate reductions flow through.
Bank targets further improvement in cost-to-income ratio to ~65% by FY27.
Microfinance book expected to stabilize by year-end and return to growth next year.
What drives the SA rate cut timing?
MFI book growth and stabilization timeline?
Net capital impact of ECL framework?
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Next IDFC First Bank earnings date
Q3 25/2624 Jan, 2026
Next IDFC First Bank earnings date
Q3 25/2624 Jan, 2026
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Frequently asked questions
IDFC First Bank Limited is an Indian banking and financial services institution providing a wide range of banking products and services. The bank serves individual customers, small and medium-sized businesses, and corporate clients. Its offerings include savings and current accounts, fixed deposits, loans, credit cards, and wealth management solutions. The company is headquartered in Mumbai, India, and its shares are listed on the NSE and BSE.
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