IDFC First Bank Reports 48% Increase in Q3 Net Profit to Rs 503 Crore

IDFC First Bank announced a 48% rise in net profit, reaching Rs 503 crore for the third quarter ending December 2025. This marks an increase from the Rs 339 crore profit recorded in the same period the previous year. The bank's total income also grew to Rs 12,542 crore, up from Rs 11,123 crore during the corresponding quarter last year.

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Interest income saw an increase, reaching Rs 10,417 crore compared to Rs 9,343 crore in the same quarter of the previous year. Net Interest Income (NII) rose to Rs 5,492 crore in the third quarter of FY26 from Rs 4,902 crore a year earlier. However, the Net Interest Margin (NIM) slightly decreased to 5.76% from 6.04% in the December quarter of last year.

Asset Quality and Capital Adequacy

The bank's asset quality showed improvement as the gross non-performing assets (NPAs) ratio reduced to 1.69% from 1.94% a year ago. Despite this improvement, net NPAs saw a slight increase to 0.53%, up from 0.52% at the end of the third quarter of the previous fiscal year.

During this period, IDFC First Bank's capital adequacy ratio improved marginally to 16.22% by December 2025, compared to 16.11% at the end of December 2024. This indicates a stronger financial position for the bank as it continues to manage its capital effectively.

The bank's performance highlights its ability to grow profits and income while maintaining a focus on improving asset quality and capital adequacy. These results reflect IDFC First Bank's ongoing efforts to strengthen its financial health and operational efficiency.

With inputs from PTI