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Rakesh Kumar

3rd Aug · SEBI-Registered Analyst

IDFC FIRST BANK Results Analysis-Q1FY27

$IDFCFIRSTB Interest Earned for Q1FY27 is Rs. 11,051 Crs., 14.61% growth YoY, Net Interest Income is Rs. 5,972 Crs., 21.07% growth YoY, Total Income is Rs. 13,361 Crs., 12.57% growth YoY, Pre-Provisioning Operating Profit is Rs. 2,553 Crs., 13.99% growth YoY, PBT is Rs. 1,409 Crs., 142.77% growth YoY, Net profit is Rs. 1,075 Crs., 1332.39% growth YoY. On QoQ basis Interest Earned is up by 4.72%, Net Interest Income is up by 5.2%, Total Income is up by 9.67%, Pre-Provisioning Operating Profit is up by 141.14%, PBT is up by 644.16%, PAT is alos up by 237.04%. For Q1FY27 Gross NPA 1.51% vs 1.97% in Q1FY26, Net NPA 0.44% vs 0.55% in Q1FY26. Return on Assets is 1.05% improved by 52 BPS YoY. Total Loan Assets is Rs. 3,05,370 Cr. as on 30th June, 2026, 107.03% Growth YoY. Strong operating momentum with improving asset quality : • Customer business (deposits + funded assets) crossed INR6 lakh crores, up ~20% YoY. • Retail/Agri/MSME Loan Book: INR2.4 lakh crores, +18% YoY • Wholesale Loan Book : INR64,000 crores, +30% YoY • Wealth AUM: ~INR64,000 crores (+24% YoY). Fraud incident: no P&L recovery yet, but investigation progressing.

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