Highlights for Q1 FY 2026-27

  • Net Profit surges to ₹2,115 Crore for Q1 of FY 27 registering a YoY growth of 5%, and QoQ growth of 9%.
  • Net Interest Income (NII) stood at ₹3,486 Cr, YoY growth of 10%.
  • Total business stood at ₹5,84,725 Cr, YoY growth of 15%.
  • Total Deposits stood at ₹3,25,757 Cr, YoY growth of 10%.
  • Net Advances stood at ₹2,58,968 Cr, YoY growth of 22%.
  • CASA stood at ₹1,42,162 Cr, YoY up by 7%.
  • Gross NPA down to 2.30%, YoY reduction by 63 bps.
  • Net NPA down to 0.16%, YoY reduction by 5 bps.
  • Provision Coverage Ratio (PCR) stood at 99.31%.
  • Return on Assets (ROA) stood at 1.89%, QoQ growth of 14 bps.
  • CRAR stood at 26.92%, improved by 153 bps YoY and 27 bps QoQ.
  • Credit Deposit Ratio stood at 79.50%, improved by 810 bps YoY and 644 bps QoQ.

Operating Performance for Q1 of FY 2026-27

  • Bank has reported Net profit of ₹2,115 crores for Q1 FY 27 as against of ₹2,007 crores for Q1 FY 26. YoY growth of 5% and QoQ growth of 9%.
  • Operating Profit stood at ₹2,168 crores.
  • Cost of Deposit down to 4.59% in Q1 FY 27 as compared to 4.84% in Q1 FY 26. YoY reduction is by 25 bps and QoQ reduction is by 1 bps.
  • Cost of Funds down to 4.68% in Q1 FY 27 as compared to 4.98% in Q1 FY 26. YoY reduction is by 30 bps, QoQ reduction is by 3 bps.
  • Net Interest Income (Interest earned less Interest expenses) increased to ₹3,486 crore in Q1 FY 27 as compared to ₹3,166 crore in Q1 FY 26. YoY growth of 10%.
  • NIM stood at 3.61%.
  • Return on Assets (ROA) stood at 1.89%. QoQ increase by 14 bps.

Business Growth

  • Total Deposits increased by 10% YoY to ₹3,25,757 Crore as on June 30, 2026 as against ₹2,96,782 Crore as on June 30, 2025.
  • CASA increased by 7% YoY to ₹1,42,162 Crore as on June 30, 2026 as against ₹1,32,467 Crore as on June 30, 2025.
  • CASA ratio stood at 43.64% as on June 30, 2026.
  • Net Advances grew by 22% YoY to ₹2,58,968 Crore as on June 30, 2026 as against ₹2,11,907 as on June 30, 2025. Net advances grew by 2% QoQ as against ₹2,53,626 as on March 31, 2026.
  • The composition of Corporate v/s Retail in Gross Advances portfolio stood at 30:70 as on June 30, 2026.

Asset Quality

  • Gross NPA ratio improved to 2.30% as on June 30, 2026 as against 2.93% as on June 30, 2025 and 2.32% as on March 31, 2026.
  • Net NPA ratio stood at 0.16% as on June 30, 2026 as against 0.21% as on June 30, 2025.
  • Provision Coverage Ratio (including Technical Write-Offs) stood at 99.31% as on June 30, 2026. The PCR is consistently above 99% since September 2023.

Capital Position

  • CRAR improved to 26.92% as on June 30, 2026 as against 25.39% as on June 30, 2025 and 26.65% as on March 31, 2026.
  • Tier 1 Capital improved to 26.38% as on June 30, 2026 as against 23.71% as on June 30, 2025 and 25.56% as on March 31, 2026.
  • Risk Weighted Assets (RWA) stood at ₹2,30,728 Crore as on June 30, 2026 as against ₹1,92,965 Crore as on June 30, 2025.

Mumbai: The Board of Directors of IDBI Bank Ltd. (IDBI Bank) met in Mumbai today and approved the financial results for the Quarter ended June 30, 2026.

(₹ crore)

P&L Highlights
(INR in Crores)Q1 FY 2027Q4 FY 2026Q1 FY 2026Growth %Growth %
 (3M)(3M)(3M)Q-o-QY-o-Y
Interest Income754177987021▼            -3%▲              7%
Non-Interest Income103216111437▼          -36%▼          -28%
Net Interest Income348638513166▼            -9%▲            10%
Profit/(loss) after Tax211519432007▲              9%▲              5%
Basic EPS (INR)1.971.811.87▲              9%▲              5%
Key P&L Ratios
Return on Assets¹1.89%1.75%2.01%▲        14 bps▼      -12 bps
Return on Equity¹14.80%14.35%17.91%▲        45 bps▼ -311 bps
NIM¹3.61%4.15%3.68%▼      -54 bps▼        -7 bps
Cost to Net Income Ratio52.02%44.28%48.86%▲     774 bps▲     316 bps
Cost of Fund4.68%4.71%4.98%▼        -3 bps▼      -30 bps
Cost of Deposit4.59%4.60%4.84%▼        -1 bps▼      -25 bps
Non-Interest Income to Total Income12.03%17.12%16.99%▼ -509 bps▼ -496 bps
Balance Sheet Highlights
(INR in Crores)30-Jun-2631-Mar-2630-Jun-25Growth %Growth %
Net Advances2,58,9682,53,6262,11,907▲              2%▲            22%
Deposits3,25,7573,47,1632,96,782▼            -6%▲            10%
Net Worth59,02455,74946,419▲              6%▲            27%
Total Balance Sheet4,44,5044,66,5604,03,120▼            -5%▲            10%
Total RWA2,30,7282,23,2461,92,965▲              3%▲            20%
CASA1,42,1621,54,8161,32,467▼            -8%▲              7%
Key Balance Sheet Ratios
Capital Adequacy26.92%26.65%25.39%▲        27 bps▲     153 bps
CET I Ratio26.38%25.56%23.71%▲        82 bps▲     267 bps
Gross NPA2.30%2.32%2.93%▼        -2 bps▼      -63 bps
Net NPA0.16%0.15%0.21%▲          1 bps▼        -5 bps
Provision Coverage ratio99.31%99.39%99.31%▼        -8 bps—          0 bps
CASA Ratio43.64%44.59%44.63%▼      -95 bps▼      -99 bps
Credit Deposit Ratio79.50%73.06%71.40%▲     644 bps▲     810 bps

Previous periods figures have been regrouped/ restated (wherever necessary)

1Annualized