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IDFC First Bank Ltd. engages in the provision of financial and banking solutions. The company is headquartered in Mumbai, Maharashtra and currently employs 35,352 full-time employees. The company went IPO on 2015-11-06. The firm operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business. The Treasury segment primarily consists of Bank’s investment portfolio, money market borrowing and lending, investment operations and the entire foreign exchange and derivative portfolio of the Bank. The Corporate/Wholesale Banking segment provides loans, non-fund facilities and transaction services to corporate relationship not included under Retail Banking and syndication. The Retail Banking segment constitutes lending to individuals/business banking customers through the branch network and other delivery channels subject to the orientation, nature of product, granularity of the exposure and the quantum thereof. The Other Banking Business segment includes revenue from distribution of third-party products. The firm operates approximately 809 branches and over 925 automated teller machines (ATMs).
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹21,216 Cr on total income of ₹54,372 Cr.
Cost-to-income ratio at 75.3%. Provision coverage at 9.9% of income.
“Casa deposits touched INR1.5 lakh crores with strong Y o Y growth of 33%. Casa ratio at 51.6%”
“Credit cost should come down next quarter...the MFI problem we feel is by and large done and dusted...definitely next year, we should see an improvement in the credit cost”
“keep pace with the advances.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 3.4%▼ | 11.5% |
| Net Margin | 3.0%▼ | 12.1% |
| EBITDA Margin | 43.7%▼ | 67.3% |
| Debt To Equity | 6.21x▼ | 8.01x |
| Rev Growth 3yr | 21.2%▲ | 14.4% |
| EPS Growth 3yr | -20.7%▼ | 23.3% |
| NIM | 7.6%▼ | 390.0% |
| Cost To Income | 75.3% | - |
| Credit Deposit Ratio | 95.30x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹34,199 Cr +10.9% | ₹30,835 Cr +19.0% | ₹25,916 Cr +35.3% | ₹19,159 Cr +35.2% | ₹14,174 Cr +12.2% | ₹12,633 Cr +5.2% | ₹12,007 Cr +48.6% | ₹8,081 Cr |
| Income on Investments | ₹5,950 Cr +11.9% | ₹5,317 Cr +29.1% | ₹4,118 Cr +27.4% | ₹3,232 Cr +23.6% | ₹2,615 Cr -13.9% | ₹3,039 Cr -22.4% | ₹3,917 Cr +0.3% | ₹3,906 Cr |
| ₹7,874 Cr +12.9% | ₹6,977 Cr +17.6% | ₹5,932 Cr +32.8% | ₹4,467 Cr +40.8% | ₹3,173 Cr +40.8% | ₹2,254 Cr +30.9% | ₹1,722 Cr +83.5% | ₹939 Cr | |
| Total Income | ₹48,422 Cr +11.4% | ₹43,478 Cr +19.9% | ₹36,257 Cr +33.3% | ₹27,195 Cr +33.7% | ₹20,345 Cr +11.7% | ₹18,222 Cr +1.4% | ₹17,963 Cr +36.7% | ₹13,143 Cr |
| Interest Expended | ₹19,333 Cr +12.4% | ₹17,208 Cr +24.1% | ₹13,870 Cr +37.5% | ₹10,091 Cr +35.2% | ₹7,465 Cr -13.0% | ₹8,585 Cr -16.1% | ₹10,228 Cr +17.0% | ₹8,743 Cr |
| Employee Cost | ₹7,686 Cr +18.2% | ₹6,502 Cr +15.4% | ₹5,634 Cr +31.7% | ₹4,279 Cr +38.0% | ₹3,100 Cr +34.7% | ₹2,302 Cr +28.2% | ₹1,795 Cr +40.3% | ₹1,279 Cr |
| Other Operating Expenses | ₹14,218 Cr +14.8% | ₹12,390 Cr +17.8% | ₹10,514 Cr +34.3% | ₹7,830 Cr +20.5% | ₹6,497 Cr +36.7% | ₹4,751 Cr +19.7% | ₹3,970 Cr +79.5% | ₹2,212 Cr |
| Provisions & Contingencies | ₹5,379 Cr -2.5% | ₹5,515 Cr +131.6% | ₹2,382 Cr +43.1% | ₹1,665 Cr -46.4% | ₹3,109 Cr +50.5% | ₹2,065 Cr -52.2% | ₹4,316 Cr +184.2% | ₹1,518 Cr |
| Total Expenditure | ₹41,237 Cr +14.2% | ₹36,099 Cr +20.3% | ₹30,018 Cr +35.2% | ₹22,199 Cr +30.1% | ₹17,062 Cr +9.1% | ₹15,638 Cr -2.2% | ₹15,993 Cr +30.7% | ₹12,235 Cr |
| Profit Before Tax | ₹1,807 Cr -3.1% | ₹1,864 Cr -51.7% | ₹3,857 Cr +15.8% | ₹3,331 Cr | ₹175 Cr -66.3% | ₹519 Cr ↑ Recovery | (₹2,346 Cr) +26.9% | (₹3,210 Cr) |
| Tax | ₹196 Cr -47.5% | ₹374 Cr -59.1% | ₹915 Cr +8.1% | ₹846 Cr | ₹43 Cr +19.1% | ₹36 Cr -92.8% | ₹497 Cr ↑ Recovery | (₹1,330 Cr) |
| Net Profit | ₹1,611 Cr +8.1% | ₹1,490 Cr -49.3% | ₹2,942 Cr +18.4% | ₹2,485 Cr | ₹132 Cr -72.6% | ₹483 Cr ↑ Recovery | (₹2,843 Cr) -51.2% | (₹1,880 Cr) |
| Profit (Owners) | ₹1,611 Cr +8.1% | ₹1,490 Cr -49.3% | ₹2,942 Cr +18.4% | ₹2,485 Cr | ₹132 Cr -72.6% | ₹483 Cr ↑ Recovery | (₹2,843 Cr) -49.0% | (₹1,908 Cr) |
| EPS | ₹2.03 | ₹2.04 | ₹4.16 | ₹3.75 | ₹0.21 | ₹0.85 | (₹5.91) | (₹3.99) |
| Diluted Shares | ₹860 Cr | ₹732 Cr | ₹707 Cr | ₹662 Cr | ₹622 Cr | ₹568 Cr | ₹481 Cr | ₹478 Cr |
| Other Interest | ₹270 Cr +14.7% | ₹235 Cr +19.0% | ₹198 Cr +5.3% | ₹188 Cr +32.0% | ₹142 Cr -22.6% | ₹184 Cr -22.0% | ₹235 Cr +21.2% | ₹194 Cr |
| Interest (RBI & Others) | ₹131 Cr +14.2% | ₹115 Cr +22.0% | ₹94 Cr -36.8% | ₹149 Cr -38.4% | ₹241 Cr +114.8% | ₹112 Cr +39.5% | ₹81 Cr +247.3% | ₹23 Cr |
IDFC First Bank Limited has informed the Exchange about Link of Recording
IDFC First Bank Limited has informed the Exchange that Record date for the purpose of Dividend is 07-Aug-2026.
IDFC First Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on July 25, 2026.
IDFC First Bank Limited has informed the Exchange about Investor Presentation
IDFC First Bank Limited has informed the Exchange regarding a press release dated July 25, 2026, titled "Press Release - Unaudited Standalone and Consolidated Financial Results of IDFC FIRST Bank Limi...
IDFC First Bank Limited has submitted to the Exchange, the financial results for the period ended June 30, 2026.
IDFC First Bank Limited has informed the Exchange regarding Earnings call for the period ended June 30, 2026 - Re-sharing of Conference Call details
IDFC First Bank Limited has informed the Exchange regarding Grant of 5,00,000 equity stock options of the Bank.
IDFC First Bank Limited has informed the Exchange regarding Earnings call for the period ended June 30, 2026
IDFC First Bank Limited has informed the Exchange regarding Allotment of 2167979 Shares.
IDFC First Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
IDFC First Bank Limited has informed the Exchange about Schedule of Analysts / Institutional Investors meet(s) - Intimation
IDFC First Bank Limited has informed the Exchange about Copy of Newspaper Publication
IDFC First Bank Limited has informed the Exchange regarding Allotment of 2316341 Shares.
IDFC First Bank Limited has informed the Exchange about Update on CGFMU Claim from NCGTC