IDFC First Bank announced Q4FY26 & FY26 results Q4FY26 Standalone Financial Highlights: Interest Earned: Rs 10,55,277 lakh (up 1.30% QoQ vs Rs 10,41,702 lakh and up 12.11% YoY vs Rs 9,41,294 lakh). Other Income: Rs 1,63,004 lakh (down 23.29% QoQ vs Rs 2,12,497 lakh and down 14.00% YoY vs Rs 1,89,541 lakh). Total Income: Rs 12,18,281 lakh (down 2.86% QoQ vs Rs 12,54,199 lakh and up 7.73% YoY vs Rs 11,30,835 lakh). Net Profit: Rs 31,894 lakh (down 36.53% QoQ vs Rs 50,254 lakh and up 4.89% YoY vs Rs 30,408 lakh). Basic EPS: Rs 0.37 (vs Rs 0.57 QoQ and Rs 0.42 YoY). Q4FY26 Consolidated Financial Highlights: Total Income: Rs 12,18,297 lakh (down 2.86% QoQ vs Rs 12,54,199 lakh and up 7.73% YoY vs Rs 11,30,842 lakh). Net Profit: Rs 33,064 lakh (down 30.92% QoQ vs Rs 47,865 lakh and up 11.85% YoY vs Rs 29,560 lakh). Basic EPS: Rs 0.38 (vs Rs 0.54 QoQ and Rs 0.40 YoY). FY26 Standalone Financial Highlights: Interest Earned: Rs 40,54,882 lakh (up 11.09% YoY vs Rs 36,50,149 lakh). Total Income: Rs 48,42,211 lakh (up 11.26% YoY vs Rs 43,52,320 lakh). Net Profit: Rs 1,63,636 lakh (up 7.31% YoY vs 1,52,485 lakh). Net Cash Flow from Operating Activities: Rs 6,91,504 lakh (down 51.96% YoY vs 14,39,454 lakh). Basic EPS: Rs 1.93 (vs Rs 2.09 YoY). Dividend: The Board of Directors proposed a dividend of Rs 0.25 per share. FY26 Consolidated Financial Highlights: Total Income: 48,42,239 lakh (up 11.37% YoY vs 43,47,830 lakh). Net Profit: 1,61,056 lakh (up 8.07% YoY vs 1,49,035 lakh). Net Cash Flow from Operating Activities: 6,81,664 lakh (down 52.88% YoY vs Rs 14,46,509 lakh). Basic EPS: Rs 1.89 (vs Rs 2.04 YoY). Business Highlights: Customer Business: Total Customer Business grew to Rs 5,74,731 crore as of March 31, 2026, up 18.6% YoY. Loans and Advances: Customer loans and advances reached Rs 2,90,278 crore, reflecting a growth of 20.0% YoY. Asset Quality: Gross NPA ratio improved to 1.61% from 1.87% YoY. Net NPA ratio improved slightly to 0.48% from 0.53% YoY. SMA 1 + 2 (Retail, Rural, and MSME) improved to 0.78% from 1.07% YoY. Deposits: Customer Deposits stood at Rs 2,84,453 crore, up 17.3% YoY. CASA Deposits grew 24.0% YoY to Rs 1,46,650 crore. The CASA Ratio was 49.80% as of March 31, 2026. Wealth Management: The Private Wealth Management business grew by 23% YoY to cross Rs 57,000 crore. Credit Cards: Credit Cards in force crossed the 4.5 million mark during Q4FY26. Capital Adequacy: Capital Adequacy Ratio stood at 15.60% as of March 31, 2026. Operational Note: The Bank fully expensed an impacted amount related to a fraud incident at a Chandigarh branch involving unauthorized activities by certain employees. The principal amount paid was Rs 645.59 crore, with a post-tax impact of Rs 483 crore recognized in Q4FY26. V Vaidyanathan, MD & CEO, said: “The asset quality of the bank remains stable. We have always mentioned that the asset quality of all businesses continues to perform well, except for the micro-finance book, which was an issue for the entire industry in FY25 and FY26. Hence, with the micro-finance issue behind us, the GNPA and NNPA have come down to healthy levels of 1.61% and 0.48%, respectively. The provisions during Q4FY26 have come down to the lowest level of two years, at 1.63% of loans, which is equivalent to 1.18% of assets. The first month of Q1FY27 has started strong for deposits, and the bank is confident of growing its deposit business healthily in line with past trends.” Result PDF