IDBI Bank Q1 FY27 Net Profit Rises 5% YoY to ₹2,115 Crore
IDBI Bank reported a 5% YoY increase in net profit to ₹2,115 crore for Q1 FY27. Net Interest Income grew 10% YoY to ₹3,486 crore. Total business increased 15% YoY to ₹5,84,725 crore, with Net Advances up 22% YoY to ₹2,58,968 crore. Gross NPA improved to 2.30%. The bank received the "APY Annual Award of Ultimate Achiever".
The results showcase significant financial growth and improved operational metrics for the bank, which are material to investors and stakeholders.
The bank reported a YoY growth in net profit, improved asset quality (lower NPA ratios), and strong business growth (deposits and advances). Positive developments like awards and new initiatives also contribute to the positive sentiment.
IDBI Bank Limited has announced its un-audited financial results for the quarter ended June 30, 2026 (Q1 FY27). The bank reported a net profit of ₹2,115 crore for Q1 FY27, marking a 5% year-on-year (YoY) growth from ₹2,007 crore in Q1 FY26 and a 9% quarter-on-quarter (QoQ) growth from ₹1,943 crore in Q4 FY26.
Operating profit for the quarter stood at ₹2,168 crore. Net Interest Income (NII) increased by 10% YoY to ₹3,486 crore. The Cost of Deposits decreased to 4.59% in Q1 FY27 from 4.84% in Q1 FY26, a YoY reduction of 25 basis points (bps), and a QoQ reduction of 1 bps. The Cost of Funds also saw a YoY reduction of 30 bps, standing at 4.68% in Q1 FY27 compared to 4.98% in Q1 FY26.
Total business grew by 15% YoY to ₹5,84,725 crore. Total Deposits increased by 10% YoY to ₹3,25,757 crore, and Net Advances grew by 22% YoY to ₹2,58,968 crore. CASA stood at ₹1,42,162 crore, up by 7% YoY, with a CASA ratio of 43.64%.
Asset quality showed improvement, with Gross NPA ratio declining to 2.30% as of June 30, 2026, down by 63 bps YoY. Net NPA ratio stood at 0.16%, a reduction of 5 bps YoY. The Provision Coverage Ratio (PCR) was maintained at 99.31%.
The bank's capital position strengthened, with CRAR improving to 26.92% as of June 30, 2026, up by 153 bps YoY. Tier 1 Capital improved to 26.38%.
Significant developments during the quarter include IDBI Bank receiving the "APY Annual Award of Ultimate Achiever" for its performance in Atal Pension Yojana enrolment. The bank also launched "IDBI Innovate 2026," a nationwide hackathon to foster innovation, and was recognized at the "Internal Audit Excellence Awards 2026" for its use of AI in internal audit processes.
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