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01-Feb-2026

IDFC First Bank

Healthy growth, margins and asset quality improves


'IDFC First Bank has reported 48% growth in net profit at Rs 502.54 crore for the quarter ended December 2025 (Q3FY2026). Net Interest Income (NII) increased 12% while the core fee income of the bank also improved 15% in Q3FY2026. The Net Interest Margin (NIM) of the bank improved on sequential basis to 5.76% in Q3FY2026 from 5.59% in Q2FY2026, while remained lower than 6.04% in the corresponding quarter of previous year.

On business front, the business growth was strong at 22% at end December 2025, as the loan book growth accelerated to 21%. CASA ratio of the bank has increased to 51.6% at end December 2025 from 47.7% at end December 2024.

NII growth improves as NIM rises: Interest income increased 11% to Rs 10417.02 crore, while interest expenses moved up 11% to Rs 4924.58 crore in Q3FY2026. NII improved 12% to Rs 5492.44 crore in Q3FY2026.

Margins improve: The bank has shown 31 bps YoY d...



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