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IDFC First Bank (IDFCFIRSTB) investor relations material
IDFC First Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary26 Jul, 2025
Executive summary
Balance sheet and customer deposits grew strongly year-over-year, with retail deposits now over 80% of total and retail deposits crossing INR 2 lakh crores.
Expanded digital capabilities and branch network, reaching 35.3 million customers and 3.8 million credit cards.
Maintained robust asset quality and risk management, with GNPA at 1.97% and NNPA at 0.55%.
Microfinance business declined 37% year-over-year due to sector challenges, now 3.3% of assets, but collection efficiency improved to 99%.
Unaudited financial results for Q1 FY26 were approved, with figures not fully comparable to prior periods due to amalgamation.
Financial highlights
Net Interest Income grew 5.1% year-over-year to INR 4,933 crore; excluding microfinance, NII grew 11.8%.
Standalone net profit for Q1 FY26 was ₹46,257 lakhs, up from ₹30,408 lakhs year-over-year; consolidated net profit was ₹45,347 lakhs.
Operating profit including trading gains grew 19% year-over-year; core operating profit improved 7.8% sequentially.
Profit after tax was INR 463 crores, up 52% sequentially but down 32% year-over-year, mainly due to microfinance and higher provisions.
Total income rose to ₹11,86,897 lakhs (standalone) and ₹11,86,902 lakhs (consolidated) year-over-year.
Outlook and guidance
Margins expected to recover by Q4 as deposit repricing benefits flow through; NIM guidance for Q4 is 5.8%.
Credit cost guidance maintained at 2.0–2.05% for FY26, with improvement expected in H2.
Cost-to-income ratio targeted to decline by Q4, with a medium-term target of 65% by FY27.
Retail liabilities and credit card businesses moving towards break-even, expected to boost profitability.
Bank continues to follow consistent accounting policies; figures for the quarter are not fully comparable due to amalgamation.
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Next IDFC First Bank earnings date
Q2 25/2618 Oct, 2025
Next IDFC First Bank earnings date
Q2 25/2618 Oct, 2025
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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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