NIM stable around 5.75% for FY27
Management expects net interest margin to remain broadly stable at 5.75% for the full year FY27.
IDFCFIRSTBANK / guidance tracker
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IDFC First Bank · forward-looking guidance across the available source record.
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margins
Credit cost guidance of 170-180 bps for FY27
Credit cost expected to be in the range of 170-180 basis points for FY27, down from 213 bps in FY26.
Opex growth of 13-14% for FY27
Operating expenditure growth guided at 13-14% for FY27, with Q1 likely higher due to branch additions and increments.
Top-line growth of 18-18.5% for FY27
Management expects net interest income plus fee income to grow at 18-18.5% in FY27, driven by MFI recovery and strong fee traction.