IDFC First Bank is an Indian private sector bank. It forms part of IDFC. It was incorporated in the year on October, 2015. The bank got their license in July 2015 from Reserve Bank of India. The shares are listed on BSE and NSE. Initially it started with 23 branches in India MadhyaPradesh, Delhi, Mumbai, Hyderabad, Bengaluru, Pune, Chennai, Ahmedabad and kolkata. IDFC First Bank has it\u2019s headquarter in Mumbai, Maharashtra. The products dealt with this bank include Consumer banking, Credit cards, Home loans, Loans against property, Personal loans, Consumer Durable loans, Vehicle loans, Business loans, Micro Enterprise loans, Private banking, Wealth management, Investment banking, Corporate banking and Wholesale banking.<\/p>\n\n\n\n
Key Financial Highlights<\/u><\/strong><\/p>\n\n\n\n Standalone Highlights<\/u><\/strong><\/p>\n\n\n\n Net Interest Income shows an improvement by 36% YoY to Rs. 2,669 crore in Q4 FY22.<\/p>\n\n\n\n Net Interest Margin increased to 6.27%.<\/p>\n\n\n\n Fee and Other Income increased by 40% YoY to Rs. 841 crore.<\/p>\n\n\n\n Core operating income increased by 37% YoY to Rs. 3,510 crore.<\/p>\n\n\n\n Core Operating Profit (excluding trading gains) grew by 106% YoY basis to Rs. 836 crore.<\/p>\n\n\n\n Core Operating Profit increased by 106% YoY basis to Rs. 836 crore.<\/p>\n\n\n\n Consolidated Highlights<\/u><\/strong><\/p>\n\n\n\n For FY 2022the NII increased by 32% YoY to Rs. 9,706 crore.<\/p>\n\n\n\n Net Interest Margin for FY22 stood improved to 5.96%.<\/p>\n\n\n\n The Fee and Other Income increased by 66% YoY to Rs. 2,691 crore.<\/p>\n\n\n\n In FY22, the Core operating income grew by 38% YoY to Rs. 12,397 crore.<\/p>\n\n\n\n Management talks<\/u><\/strong><\/p>\n\n\n\n “Our core operating profit for Q4 22 has more than doubled (up 106 per cent) to Rs 836 crore as compared to Rs 405 crore in Q4 FY 21. This shows the power of the business model we are building. Our PAT is up 168 per cent year-on-year from Rs 128 crore to Rs 343 crore.”<\/p>\n\n\n\n Vaidyanathan, Managing Director and CEO, IDFC FIRST Banks Management Updates<\/u><\/strong><\/p>\n\n\n\n The Bank has expanded 641 branches, 203 asset service centres, 719 ATMs and 601 rural business correspondent centres.<\/p>\n\n\n\n The bank has provided r 30 million and served customers over 60,000 villages, cities and towns.<\/p>\n\n\n\n The capital adequacy stood at 16.74%.<\/p>\n\n\n\n Retail Gross NPA shows a steady decline to 2.63% in FY 22.<\/p>\n\n\n\n Net NPA has reduced significantly from 1.90% in FY 21 to 1.15% in FY 22.<\/p>\n","protected":false},"excerpt":{"rendered":" IDFC First Bank is an Indian private sector bank. It forms part of IDFC. It was incorporated in the year on October, 2015. The bank got their license in July 2015 from Reserve Bank of India. The shares are listed on BSE and NSE. Initially it started with 23 branches in India MadhyaPradesh, Delhi, Mumbai, Hyderabad, Bengaluru, Pune, Chennai, Ahmedabad and kolkata. IDFC First Bank has […]<\/p>\n","protected":false},"author":1796,"featured_media":58681,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[6352,9908],"tags":[151,8249],"class_list":["post-128800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-summary","category-research-tear-sheet","tag-banking","tag-banks"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2020\/04\/Research-summary.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":128085,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-q3-fy22-research-tear-sheet\/","url_meta":{"origin":128800,"position":0},"title":"IDFC First Bank Q3 FY22 Research Tear Sheet","author":"sreerupa","date":"March 2, 2022","format":false,"excerpt":"IDFC First Bank\u00a0is an Indian\u00a0private sector bank. It forms part of IDFC. It was incorporated in the year on October, 2015. The bank got their license in July 2015 from Reserve Bank of India. The shares are listed on BSE and NSE. Initially it started with 23 branches in India\u2026","rel":"","context":"In "Research Summary"","block_context":{"text":"Research Summary","link":"https:\/\/alphastreet.com\/india\/category\/research-summary\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":144658,"url":"https:\/\/alphastreet.com\/india\/earnings-summary-of-idfc-first-bank-limited-for-q4-fy23\/","url_meta":{"origin":128800,"position":1},"title":"Earnings Summary Of IDFC First Bank Limited For Q4 FY23","author":"Hardik Bhandare","date":"May 1, 2023","format":false,"excerpt":"IDFC First Bank Limited is an Indian banking institution headquartered in Mumbai. The bank was formed in December 2018 after the merger of IDFC Bank and Capital First. It provides various banking and financial products and services, including savings and current accounts, fixed deposits, loans, credit cards, insurance, and investment\u2026","rel":"","context":"In "Earnings"","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/05\/898c572d-b97a-4c10-acd3-c5f4d9ad88be.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":133036,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-research-report-q1-fy-2023\/","url_meta":{"origin":128800,"position":2},"title":"IDFC First Bank Research Report Q1 FY 2023","author":"sreerupa","date":"August 11, 2022","format":false,"excerpt":"Company Background - IDFC First Bank\u00a0is an Indian\u00a0private sector bank. It was formed due to the merger of Erstwhile IDFC Bank and Erstwhile Capital First on December 18, 2018. The bank has successfully served customers over 60,000 villages, cities and towns across the country. It has \u00a0expanded to 651 branches,\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"Research Summary","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/04\/Research-summary.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/04\/Research-summary.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/04\/Research-summary.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":142630,"url":"https:\/\/alphastreet.com\/india\/earnings-summary-of-idfc-first-bank-limited-for-q3-fy23\/","url_meta":{"origin":128800,"position":3},"title":"Earnings Summary Of IDFC FIRST Bank Limited For Q3 FY23","author":"Hardik Bhandare","date":"February 23, 2023","format":false,"excerpt":"IDFC FIRST Bank Limited (NSE: IDFCFIRSTB) is a leading Indian private sector bank, providing a wide range of financial solutions to customers in the retail, small and medium enterprises (SME), corporate, and rural segments. The bank offers a range of banking and financial products, including savings and current accounts, fixed\u2026","rel":"","context":"In "Earnings"","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/898c572d-b97a-4c10-acd3-c5f4d9ad88be-27.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":178794,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-reports-48-yoy-increase-in-q3-fy26-net-profit\/","url_meta":{"origin":128800,"position":4},"title":"IDFC FIRST Bank Reports 48% YoY Increase in Q3 FY26 Net Profit","author":"Staff Correspondent","date":"February 2, 2026","format":false,"excerpt":"IDFC First Bank Limited (NSE: IDFCFIRSTB) achieved a net profit of Rs. 503 crores for the quarter ending December 31, 2025, driven by a 24% rise in customer deposits and improved asset quality. Strong momentum in wealth management and credit card segments contributed to a capital adequacy ratio of 16.22%,\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":178796,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-reports-robust-q3-fy26-results-strategic-retail-shift-and-digital-leadership-drive-sustainable-growth\/","url_meta":{"origin":128800,"position":5},"title":"IDFC FIRST Bank Reports Robust Q3 FY26 Results: Strategic Retail Shift and Digital Leadership Drive Sustainable Growth","author":"Staff Correspondent","date":"February 2, 2026","format":false,"excerpt":"As of December 31, 2025, IDFC First Bank Limited (NSE: IDFCFIRSTB) continues its trajectory toward building a world-class institution, reporting a significant expansion in its operational footprint and market presence. The Bank has successfully scaled its branch network to 1,066 branches, representing a 5X growth from the 206 branches present\u2026","rel":"","context":"In "Analysis"","block_context":{"text":"Analysis","link":"https:\/\/alphastreet.com\/india\/category\/stock-analysis\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/1796"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=128800"}],"version-history":[{"count":0,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/128800\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media\/58681"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=128800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=128800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=128800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Rs in lakhs<\/td> 31-03-2022<\/td> 31-03-2021<\/td><\/tr> TOTAL INCOME<\/td> 5,38,488<\/td> 4,81,118<\/td><\/tr> TOTAL EXPENDITURE<\/td> 4,55,836<\/td> 4,18,817<\/td><\/tr> Operating Profit<\/td> 82,652<\/td> 62,301<\/td><\/tr> Profit\/ (Loss)<\/td> 45,705<\/td> 4,311<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n