IDFC First Bank Q1 FY27 Results: Profit Soars 132% YoY to ₹1,075 Cr
IDFC First Bank reported a Q1 FY27 Profit After Tax of ₹1,075 crore, up 132.4% YoY. Total Loan Assets grew 21% YoY to ₹3,05,370 crore, and Total Deposits rose 18% YoY to ₹3,11,892 crore. Net Interest Margin was 5.96%, and Core Operating Profit increased 36% YoY to ₹2,371 crore. GNPA improved to 1.51%.
The substantial year-on-year growth in PAT, healthy increase in loan assets and deposits, improved NIM, and better asset quality metrics are significant positive developments for the bank, likely to be viewed favorably by investors.
The bank reported strong growth in profit after tax, net interest income, and core operating profit, along with an improvement in asset quality (GNPA and NNPA ratios) and a decrease in the cost-to-income ratio.
IDFC First Bank Limited announced its unaudited standalone and consolidated financial results for the quarter ended June 30, 2026 (Q1-FY27).
The bank reported a Profit After Tax (PAT) of ₹1,075 crore, marking a significant 132.4% year-on-year (YoY) and 237.0% quarter-on-quarter (QoQ) increase.
Key performance highlights for Q1 FY27 include: * Total Loan Assets grew by 21% YoY to ₹3,05,370 crore. * Total Deposits increased by 18% YoY to ₹3,11,892 crore. * Net Interest Margin (NIM) stood strong at 5.96%. * Core Operating Profit (PPOP) grew by 36.0% YoY to ₹2,371 crore. * GNPA ratio improved to 1.51% and NNPA ratio to 0.44%.
The bank's Net Interest Income (NII) saw a 21.1% YoY growth to ₹5,972 crore. Fee and other income also rose by 22.9% YoY to ₹2,128 crore. The Cost to Income (C:I) ratio improved to 70.7% in Q1 FY27 from 73.8% in Q1 FY26, reflecting improved operating leverage and cost efficiencies. The bank also received claims of ₹514.8 crore under the CGFMU scheme and created a contingency provision of ₹515 crore.
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See the model portfoliosA plain-language summary of a public exchange filing by IDFC First Bank Limited. Read the original for the full detail.