IDFC First Bank Limited has informed the Exchange regarding a press release dated April 25, 2026.
IDFCFIRSTB · price
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IDFC First Bank reported Q4 FY26 PAT of Rs. 319 crore, up 5% YoY. However, excluding one-time items (fraud incident, treasury loss, tax refund), normalized PAT was Rs. 746 crore, up 145% YoY. The bank faced a one-time fraud incident in Chandigarh with post-tax impact of Rs. 483 crore, which was fully expensed. Total customer business grew 18.6% YoY to Rs. 5.75 lakh crore, driven by 20% loan growth (Rs. 2.90 lakh crore) and 17.3% deposit growth (Rs. 2.84 lakh crore). Asset quality improved significantly with Gross NPA at 1.61% (down 27 bps YoY) and Net NPA at 0.48%. Provisions as % of loans declined to 1.63% in Q4, the lowest in two years. CASA deposits grew 24% YoY to Rs. 1.47 lakh crore.
The bank showed strong underlying performance with exceptional normalized profit growth, improved asset quality, and healthy deposit growth. The one-time fraud charge depresses reported PAT but normalized numbers reveal robust operational strength. Strong capital adequacy at 15.60% provides cushion for future growth.