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IDFC First Bank Q1 FY26: Operating profit slips to ₹1.06 lakh cr

April 25, 2026 2 mins read Firehose Gupta

IDFC FIRST Bank Limited — Quarter and year ended March 31, 2026

Sr. No. Particulars Quarter ended 31.03.2026 (Refer Note 19) (Audited) Quarter ended 31.12.2025 (Unaudited) Quarter ended 31.03.2025 (Refer Note 19) (Audited) Year ended 31.03.2026 (Audited) Year ended 31.03.2025 (Audited)
1 Interest Earned (a)+(b)+(c)+(d) 10,55,277 10,41,702 9,41,294 40,54,882 36,50,149
(a) Interest / discount on advances / bills 8,96,701 8,77,578 7,97,120 34,19,863 30,83,452
(b) Income on investments 1,51,204 1,52,643 1,39,450 5,94,965 5,31,739
(c) Interest on balances with Reserve Bank of India and other inter-bank funds 3,768 3,422 2,820 13,096 11,455
(d) Others 3,604 8,059 1,904 26,958 23,503
2 Other Income (Refer Note 6 & 20) 1,63,004 2,12,497 1,89,541 7,87,329 7,02,171
3 TOTAL INCOME (1+2) 12,18,281 12,54,199 11,30,835 48,42,211 43,52,320
4 Interest Expended 4,87,558 4,92,458 4,50,578 19,33,355 17,20,952
5 Operating Expenses (i)+(ii) 6,24,869 5,58,406 4,99,096 21,87,720 18,89,883
(i) Employees cost 1,59,425 1,60,198 1,52,815 6,18,193 5,70,990
(ii) Other operating expenses (Refer Note 15) 4,65,444 3,98,208 3,46,281 15,69,527 13,18,893
6 TOTAL EXPENDITURE (4+5) (excluding provisions and contingencies) 11,12,427 10,50,864 9,49,674 41,21,075 36,10,835
7 Operating Profit / (Loss) (3−6) (Profit before provisions and contingencies) 1,05,854 2,03,335 1,81,161 7,21,136 7,41,485
8 Provisions (other than tax) and Contingencies (Net) (Refer Note 20) 86,924 1,39,831 1,45,047 5,37,855 5,51,473
9 Exceptional Items – – – – –
10 Profit / (Loss) from Ordinary Activities before tax (7−8−9) 18,930 63,504 36,114 1,83,281 1,90,012
11 Tax Expense (12,964) 13,250 5,706 19,645 37,527
12 Net Profit / (Loss) from Ordinary Activities after tax (10−11) 31,894 50,254 30,408 1,63,636 1,52,485
13 Extraordinary Items (net of tax expense) – – – – –
14 Net Profit / (Loss) for the period (12−13) 31,894 50,254 30,408 1,63,636 1,52,485
15 Paid-up Equity Share Capital (Face Value ₹ 10 per share) (Refer Note 4 & 5) 8,60,170 8,59,569 7,32,211 8,60,170 7,32,211
16 Reserves excluding revaluation reserves – – – 38,46,227 30,60,717
17 Analytical Ratios
(i) Percentage of shares held by Government of India (Refer Note 4 & 5) 7.75% 7.75% 9.10% 7.75% 9.10%
(ii) Capital adequacy ratio (Basel III) (Refer Note 8) 15.60% 15.84% 15.48% 15.60% 15.48%
(iii) Earnings per share (EPS) for the period / year (before and after extraordinary items) (not annualized) (Refer Note 4 & 5)
– Basic (₹) 0.37 0.57 0.42 1.93 2.09
– Diluted (₹) 0.37 0.57 0.41 1.91 2.08
(iv) NPA ratios (Refer Note 9)
(a) Amount of gross NPAs 4,55,852 4,61,414 4,43,358 4,55,852 4,43,358
(b) Amount of net NPAs 1,34,644 1,42,691 1,22,992 1,34,644 1,22,992
(c) % of gross NPAs to gross advances 1.61% 1.69% 1.87% 1.61% 1.87%
(d) % of net NPAs to net advances 0.48% 0.53% 0.53% 0.48% 0.53%
(v) Return on assets (annualised) © 0.33% 0.51% 0.36% 0.44% 0.48%
(vi) Net worth # 46,29,708 46,02,983 37,14,064 46,29,708 37,14,064
Sr. No. Particulars Quarter ended 31.03.2026 (Refer Note 19) (Audited) Quarter ended 31.12.2025 (Unaudited) Quarter ended 31.03.2025 (Refer Note 19) (Audited) Year ended 31.03.2026 (Audited) Year ended 31.03.2025 (Audited)
1 Segment Revenue
a Treasury 6,76,272 7,29,649 6,84,984 28,42,689 26,06,630
b Wholesale Banking 2,90,385 2,89,317 2,51,273 11,16,581 9,16,880
c Retail Banking 13,97,605 13,90,402 12,18,166 53,88,312 47,35,778
   (i) Digital Banking 2,31,899 2,41,323 2,10,225 9,23,567 8,11,157
   (ii) Other Retail Banking 11,65,706 11,49,079 10,07,941 44,64,745 39,24,621
d Other Banking Business 30,934 26,494 34,009 1,02,674 1,07,467
e Unallocated 1,989 4,643 5 16,507 12,401
Total Segment Revenue 23,97,185 24,40,505 21,88,437 94,66,763 83,79,156
Add / (Less) : Inter Segment Revenue (11,78,904) (11,86,306) (10,57,602) (46,24,552) (40,26,836)
Income from Operations 12,18,281 12,54,199 11,30,835 48,42,211 43,52,320
2 Segment Results After Provisions & Before Tax
a Treasury (9,602) 2,825 26,758 52,210 66,282
b Wholesale Banking (13,982) 48,827 26,192 1,08,986 89,946
c Retail Banking 42,230 13,140 (23,694) 26,009 14,547
   (i) Digital Banking 1,384 (3,243) (338) (16,950) (9,312)
   (ii) Other Retail Banking 40,846 16,383 (23,356) 42,959 23,859
d Other Banking Business 16,791 12,314 21,450 48,696 61,487
e Unallocated (16,507) (13,602) (14,592) (52,620) (42,250)
Total Profit Before Tax 18,930 63,504 36,114 1,83,281 1,90,012
3 Segment Assets
a Treasury 1,07,55,620 1,11,48,184 99,80,596 1,07,55,620 99,80,596
b Wholesale Banking 56,43,604 55,12,687 44,18,154 56,43,604 44,18,154
c Retail Banking 2,33,06,619 2,24,34,173 1,97,21,406 2,33,06,619 1,97,21,406
   (i) Digital Banking 22,18,588 21,99,054 20,46,774 22,18,588 20,46,774
   (ii) Other Retail Banking 2,10,88,031 2,02,35,119 1,76,74,632 2,10,88,031 1,76,74,632
d Other Banking Business 8,038 7,150 10,818 8,038 10,818
e Unallocated 2,64,128 2,33,509 2,50,891 2,64,128 2,50,891
Total Segment Assets 3,99,78,009 3,93,35,703 3,43,81,865 3,99,78,009 3,43,81,865
4 Segment Liabilities
a Treasury 32,58,630 36,49,724 33,13,928 32,58,630 33,13,928
b Wholesale Banking 84,24,204 75,15,874 71,68,495 84,24,204 71,68,495
c Retail Banking 2,34,38,844 2,33,31,432 2,00,01,874 2,34,38,844 2,00,01,874
   (i) Digital Banking 63,74,093 64,98,582 56,17,347 63,74,093 56,17,347
   (ii) Other Retail Banking 1,70,64,751 1,68,32,850 1,43,84,527 1,70,64,751 1,43,84,527
d Other Banking Business 6,674 6,381 4,675 6,674 4,675
e Unallocated 1,14,473 1,27,474 85,093 1,14,473 85,093
Total Segment Liabilities 3,52,42,825 3,46,30,885 3,05,74,065 3,52,42,825 3,05,74,065
5 Capital Employed (Segment Assets – Segment Liabilities) 47,35,184 47,04,818 38,07,800 47,35,184 38,07,800
Particulars As at 31.03.2026 (Audited) As at 31.03.2025 (Audited)
CAPITAL AND LIABILITIES
Capital (Refer Note 4 & 5) 8,60,170 7,32,211
Employees stock options outstanding 28,787 14,872
Reserves and surplus 38,46,227 30,60,717
Deposits 2,94,47,455 2,52,06,525

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