Loans and Advances
₹2.9 lakh crore
+20% YoY
Healthy growth across mortgages, vehicle loans, consumer loans, and wholesale loans.
IDFCFIRSTBANK
Financial Services
11 Apr 2026
IDFC First Bank Limited — Q4 FY26
IDFC First Bank reported Q4 FY26 PAT of ₹319 crore, impacted by a ₹480 crore fraud provision and ₹118 crore treasury loss.
✓ Verified against BSE filing
2-Min Summary
✦ AI-Generated from Full Transcript
IDFC First Bank reported Q4 FY26 PAT of ₹319 crore, impacted by a ₹480 crore fraud provision and ₹118 crore treasury loss. Normalized PAT was ₹746 crore, up 145% YoY. Loans grew 20% YoY to ₹2.9 lakh crore, with NIM at 5.93% (full year 5.75%). Credit cost improved to 1.63% (full year 2.13%), and management guided for 1.70-1.80% in FY27. Deposits were flat QoQ due to rate cuts and the fraud incident, but April has started strong. The bank expects loan growth of ~20% and NIM stability around 5.75%. Key risk: West Asia crisis could disrupt supply chains and impact MSME asset quality.
Key Numbers
Credit Cards
4.5 million
+21% YoY
Credit card portfolio crossed 4.5 million during the quarter.
Wealth Management AUM
₹57,000 crore
+23% YoY
Wealth management AUM continues to grow at a steady pace.
Gross NPA Ratio
1.61%
-8 bps YoY
Gross NPA improved by 8 basis points from 1.69% to 1.61%.
Management Guidance
NIM stable around 5.75% for FY27
Management expects net interest margin to remain broadly stable at 5.75% for the full year FY27.
Management guidance marginsCredit 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.
Management guidance marginsOpex 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.
Management guidance growthTop-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.
Management guidance revenueKey Risks
West Asia crisis impact on MSME portfolio
Ongoing geopolitical tensions could disrupt supply chains and increase raw material costs, affecting MSME asset quality.
medium · analyst_questionDeposit growth slowdown due to rate cuts and fraud incident
Deposits were flat in Q4 due to SA rate cuts and the fraud incident; recovery to normal growth may take time.
medium · management_commentaryECL provisioning impact on capital
Pending ECL guidelines could require additional capital, though management expects transition impact to be manageable.
medium · analyst_questionTreasury losses from yield volatility
Widening bond yields led to a ₹159 crore treasury loss in Q4; further volatility could impact earnings.
low · data_observationNotable Quotes
We have a book that yields 13% plus and having credit cost less than 2%, which gives a risk adjusted yield of 11% plus is a very unique specialization.
The liability side drag has come down to 1% now... that 1% should become 0.8, 0.6, 0.4, 0.2, that direction should play out properly.
We feel that the credit cost would be lower than the current year... it could be in the range of 170 to 180 basis points.
Frequently Asked Questions
What was IDFC First Bank's revenue in Q4 FY26?
IDFC First Bank reported revenue of — in Q4 FY26, representing a — change compared to the same quarter last year.
What guidance did IDFC First Bank management give for FY27?
NIM stable around 5.75% for FY27: Management expects net interest margin to remain broadly stable at 5.75% for the full year FY27. 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.
What are the key risks for IDFC First Bank in FY27?
Key risks include West Asia crisis impact on MSME portfolio — Ongoing geopolitical tensions could disrupt supply chains and increase raw material costs, affecting MSME asset quality.; Deposit growth slowdown due to rate cuts and fraud incident — Deposits were flat in Q4 due to SA rate cuts and the fraud incident; recovery to normal growth may take time.; ECL provisioning impact on capital — Pending ECL guidelines could require additional capital, though management expects transition impact to be manageable.; Treasury losses from yield volatility — Widening bond yields led to a ₹159 crore treasury loss in Q4; further volatility could impact earnings..
Did IDFC First Bank meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full IDFC First Bank Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary verified against official BSE/NSE filings.