IDFC First Bank Q2 FY27 PAT Rises 196.5% YoY to ₹1,045 Crore
IDFC First Bank reported Q2 FY27 PAT of ₹1,045 crore, up 196.5% YoY. Total deposits grew 25.9% YoY to ₹3,48,583 crore, and loans increased 30.1% YoY to ₹3,46,913 crore. GNPA stood at 1.32% and Net NPA at 0.40%. The bank mobilized US$3.6 billion in FCNR(B) deposits.
The substantial year-on-year profit growth, robust loan and deposit expansion, and effective foreign currency deposit mobilization are material financial events that can significantly impact investor sentiment and the bank's valuation.
The bank reported strong year-on-year growth in profit after tax, significant increases in deposits and loans, stable asset quality, and successful mobilization of foreign currency deposits, all of which are positive indicators.
IDFC First Bank Limited has announced its unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2026 (Q2 FY27). The bank reported a Profit After Tax (PAT) of ₹1,045 crore for Q2 FY27, marking a significant year-on-year increase of 196.5%. This growth contributed to a Return on Assets (ROA) of 0.93% for the quarter.
Total deposits grew by 25.9% YoY to ₹3,48,583 crore, with a healthy average CASA ratio of 48.4%. Loans and advances, including credit substitutes, grew by 30.1% YoY to ₹3,46,913 crore. The bank also reported strong growth in core operating profit, which rose by 38.5% YoY to ₹2,527 crore.
Asset quality remained stable, with GNPA at 1.32% and Net NPA at 0.40%. The bank successfully mobilized approximately US$3.6 billion (₹34,390 crore) of FCNR(B) deposits, which are largely of 3-to-5-year tenor and provide structural liquidity. The management commentary highlighted operating leverage benefits from past investments, leading to strong PAT growth and an improving cost-to-income ratio.
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