IDFC FIRST Bank announced its financial results for Q2 FY26, reporting a Profit After Tax (PAT) of ₹352 Crore. Customer Deposits grew to ₹2,69,094 Cr, and the Net Interest Margin (NIM) stands at 5.59%. The bank’s diversified loan portfolio continues to expand, with a focus on retail, rural, and MSME sectors.
Financial Performance Highlights
IDFC FIRST Bank announced key financial figures for the quarter ended September 30, 2025 (Q2 FY26):
- Profit After Tax (PAT): ₹352 Cr
- Loans & Advances: ₹2,66,579 Cr
- Customer Deposits: ₹2,69,094 Cr
- CASA Deposits: ₹1,38,583 Cr
- Net Interest Margin (NIM): 5.59%
- Gross NPA: 1.86%
- NNPA: 0.52%
Key Business Updates
The bank continues to make strides in building a strong universal banking platform:
- Branch Network: The bank has set up 1,041 branches across India.
- Mobile Banking App: Rated as a leading mobile banking app in India, with high ratings on both Android and iOS platforms.
Asset Quality and Risk Management
IDFC FIRST Bank maintains a strong focus on risk management:
- Gross NPA: 1.86%
- NNPA: 0.52%
- Provision Coverage Ratio: Improved to 72.2%
Strategic Developments and Outlook
The bank is focused on:
- Growing retail deposits.
- Building a diversified loan portfolio.
- Maintaining strong risk management practices.
- Improving operating leverage through economies of scale.
Capital Adequacy
The bank’s Capital Adequacy Ratio stands at 14.34% as of September 30, 2025. Following the conversion of capital raised through CCPS into equity, the CRAR and TIER-I would be 16.82% and 14.75%, respectively.
Source: BSE