IDFCFIRSTB

Q4 Results: PAT rises 5% YoY to ₹319 crore; NII jumps 16%

Synopsis

reported its financial performance for the March quarter of FY26, posting a 5% year-on-year increase in standalone net profit. While net interest margins edged slightly lower, overall income growth remained healthy. Interest income advanced 12%, and net interest income (NII) climbed 16%. The bank also recorded a strong 19% expansion in customer business on a yearly basis. Detailed Update on Saturday announced a standalone net profit of ₹319 crore for Q4 FY26, marking a 5% rise from ₹304 crore in the corresponding quarter last year. Net interest income (NII)—the difference between interest earned and interest paid—stood at ₹5,677.19 crore, compared to ₹4,907.16 crore a year ago, reflecting a robust 16% growth. However, the bank’s net interest margin (NIM) witnessed a marginal contraction of 2 basis points year-on-year, coming in at 5.93% versus 5.95% in Q4 FY25. The lender highlighted that total customer business grew 19% YoY and 2.2% sequentially, reaching ₹5.75 lakh crore. CASA (Current Account Savings Account) deposits stood at ₹1.46 lakh crore during the quarter, registering a 24% increase compared to the same period last year, though declining 2.5% on a quarter-on-quarter basis. The cost of funds improved, declining by 51 basis points YoY and 11 basis points QoQ to 6%. Meanwhile, the bank’s capital adequacy ratio—a key indicator of financial strength—stood at 15.60% in Q4 FY26, down 62 basis points sequentially but higher by 12 basis points on a yearly basis. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.