### **IDFC FIRST Bank Delivers Strong Q3: PAT Jumps 48% YoY to ₹503 Crore**

IDFC FIRST Bank reported a robust performance for the quarter ended December 31, 2025, showcasing healthy growth across profitability, asset quality, and deposits. The bank posted a **net profit of ₹503 crore in Q3 FY26**, marking a sharp **48% year-on-year rise** and a strong **42.6% sequential increase**, reflecting steady operational momentum. Core operating profit improved to **₹1,937 crore**, up 11.6% YoY, driven by consistent loan growth and improving efficiencies. Net Interest Margin (NIM) stood at **5.76%**, slightly lower on a yearly basis but improved by 17 bps sequentially, indicating stabilization in funding costs. On the business front, total customer deposits surged **24.3% YoY to ₹2.82 lakh crore**, with CASA deposits growing an impressive **33% YoY**. The CASA ratio improved to **51.6%**, strengthening the bank’s low-cost deposit base. Loans and advances expanded **20.9% YoY to ₹2.79 lakh crore**, with growth largely driven by retail, MSME, mortgages, and vehicle finance. Asset quality showed further improvement. Gross NPA declined to **1.69% from 1.94% YoY**, while Net NPA remained stable at **0.53%**, reflecting prudent risk management. Provisions reduced sequentially, adding to profitability gains. MD & CEO V. Vaidyanathan highlighted strong traction across lending, deposits, and wealth management, and expects the **cost of funds to decline further**, which could support margin expansion in coming quarters. With improving financial metrics, a strong capital adequacy ratio of **16.22%**, and sustained business momentum, IDFC FIRST Bank continues to strengthen its position as one of India’s fastest-growing private sector banks. 👉 **Follow me for more such timely market updates, earnings analysis, and actionable financial insights.** **Disclaimer:** This is for informational purposes only and not investment advice. Please conduct your own research before making investment decisions.