IDFC First Bank Q4 Result: Profit Jumps 5% YoY To Rs 319 Crore, Asset Quality Improves, Dividend Declared

IDFC First Bank Q4 Result: IDFC First Bank, on Saturday, April 25, reported a 5% year-on-year (YoY) surge in its net standalone profit to Rs 319 crore in the fourth quarter of financial year 2025-26. The private lender's net asset quality improved during the quarter and it also announced dividend for FY26.

IDFC First Bank's net interest income (NII) surged by 15.7% on an annual basis to Rs 5,677 crore in Q4FY26 against Rs 4,906 crore in Q4FY25. Here are key highlights of IDFC First Bank Q4 result.

IDFC First Bank Q4 Profitability

The private lender reported a 4.9% YoY surge in its net standalone profit to Rs 318.9 crore in Q4FY26. The bank had reported a net profit of Rs 50,254 crore in December quarter. The bank's core operating profit (excluding trading income) stood Rs 1,492 crore in Q4FY26 against Rs 1,618 crore reported in the year ago period. IDFC First Bank's core operating profit stood at Rs 1,937 crore in the December quarter.

The net interest margins (NIM) stood at 5.93% , which was marginally higher than 5.95% reported in Q4FY25.

IDFC First Bank Q4 Result: Deposits

Customer deposits of the bank surged by 17.3% on an annual basis to Rs 2,42,543 crore during the quarter under preview against Rs 2,42,543 crore reported in the year ago period. CASA deposits surged by 24% on an annual basis to Rs 1,46,650 crore in Q4Fy26 against Rs 1,18,237 crore. CASA ratio increased by 289 bps to 49.80%.

IDFC First Bank Asset Growth

IDFC First Bank's loans and advances increased by 20% to Rs 2,90,278 crore against Rs 2,41,926 crore reported in the year-ago period. The private lender's gross NPA declined to Rs 1.61% in Q4FY26 from 1.87% in the year-ago period. The bank's net NPA fell to 0.48% during the same quarter in FY26.

IDFC First Bank Dividend

The IDFC First Bank's board of directors approved an interim dividend of Rs 0.25 per share. "The Board of Directors at its meeting held on April 25, 2026, proposed a dividend of Rs 0.25 per share, subject to approval of the members at the ensuing Annual General Meeting," read a BSE filing released by the IDFC First Bank earlier in the day.

IDFC First Bank share price ended 0.88% lower at Rs 67.23 per share on BSE with a market capitalisation of Rs 57,832.63 crore on Friday. The stock had touched an intraday high of Rs 68.66 per share and an intraday low of Rs 66.73 per share.