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%, supporting long-term growth objectives.<\/p>\n\n\n\n
IDFC FIRST Bank (NSE\/BSE) recorded a net profit of Rs. 503 crores for Q3 FY26, representing a 48.05% year-over-year (YoY) increase and a 42.64% quarter-over-quarter (QoQ) improvement. This growth is attributed to a significant expansion in the customer deposit base and a reduction in provisions. Total customer business assets reached Rs. 5,62,090 crore as of December 31, 2025.<\/p>\n\n\n\n
\u2022 Profitability: Net profit rose from Rs. 339 crores in Q3 FY25 to Rs. 503 crores in Q3 FY26. Core operating profit grew 11.59% YoY to Rs. 1,937 crores.<\/p>\n\n\n\n
\u2022 Deposits: Customer deposits increased 24.35% YoY to Rs. 2,82,662 crores. CASA deposits grew 32.96% YoY, leading to a CASA ratio of 51.64%.<\/p>\n\n\n\n
\u2022 Lending: Loans and advances grew 20.93% YoY to Rs. 2,79,428 crores. Growth was primarily driven by mortgage, vehicle, consumer, business banking, and wholesale loans, which constituted 89% of the YoY loan increase.<\/p>\n\n\n\n
\u2022 Asset Quality: Gross Non-Performing Assets (GNPA) improved to 1.69% from 1.94% YoY. Net NPA stood at 0.53%.<\/p>\n\n\n\n
\u2022 Cost of Funds: The cost of funds decreased by 38 basis points YoY to 6.11%.<\/p>\n\n\n\n
The bank’s Wealth Management business saw a 31% YoY growth, reaching Rs. 58,957 crores. In the credit segment, Credit Cards in force reached 4.3 million during the quarter. Provisions for the quarter were reduced by 3.7% QoQ to Rs. 1,398 crores. The Capital Adequacy Ratio improved to 16.22%, up from 16.11% in the previous year.<\/p>\n\n\n\n
IDFC FIRST Bank operates as a universal bank offering retail, MSME, rural, corporate, and treasury solutions. The business model emphasizes a “fintech-grade” experience through a cloud-native, API-led technology stack. The bank serves 35 million customers across 1,066 branches and 60,000 locations. It follows a “customer-first” approach, including the waiver of fees on 36 essential savings account services.<\/p>\n\n\n\n
The leadership indicates strong business momentum across lending, deposits, and transaction banking. Asset quality improvements were highlighted alongside an expectation for further drops in the cost of funds following recent revisions in savings rates. This reduction is intended to facilitate the expansion of the lending franchise.<\/p>\n\n\n\n
The bank is focused on building a diversified universal banking portfolio to deliver a consistent Return on Equity (ROE) of 16%+. Management expects to expand the lending franchise as funding costs decrease. The bank maintains a vision of “Ethical, Digital, and Social Good” to achieve world-class status in India.<\/p>\n\n\n\n
As of December 31, 2025, IDFC FIRST Bank is positioned as a fast-growing private bank with a total customer business of Rs. 5,62,090 crore. It has integrated ESG principles into its operations, impacting over 40 million lives through social programs and financing 2.5 lakh electric vehicles. The bank maintains high levels of corporate governance and adheres to regulatory guidelines in both letter and spirit.<\/p>\n","protected":false},"excerpt":{"rendered":"
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%, supporting long-term growth objectives. Latest […]<\/p>\n","protected":false},"author":2385,"featured_media":125416,"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":[1941,1],"tags":[15248,15250,15254,15246,15247,15249,15257,15253,15252,15251,15255,15258,15256],"class_list":["post-178794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stock-analysis","category-finance-stocks","tag-idfc-first-bank-announcement","tag-idfc-first-bank-earnings","tag-idfc-first-bank-investor-relations","tag-idfc-first-bank-limited","tag-idfc-first-bank-management","tag-idfc-first-bank-price","tag-idfc-first-bank-q1","tag-idfc-first-bank-stocks","tag-idfc-first-bank-ticker","tag-idfcfirstb","tag-idfcfirstb-q1","tag-idfcfirstb-q2","tag-idfcfirstb-q3"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":142630,"url":"https:\/\/alphastreet.com\/india\/earnings-summary-of-idfc-first-bank-limited-for-q3-fy23\/","url_meta":{"origin":178794,"position":0},"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":139876,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-limited-q3-fy23-consolidated-pat-surged-to-%e2%82%b9617-crore\/","url_meta":{"origin":178794,"position":1},"title":"IDFC First Bank Limited Q3 FY23; Consolidated PAT Surged To \u20b9617 Crore","author":"Hardik Bhandare","date":"February 2, 2023","format":false,"excerpt":"IDFC First Bank Limited (NSE: IDFCFIRSTB) reported a Income from Interest of \u20b95,911.89 Crores, a significant boost of 33% growth from the previous year. The Consolidated Net Profit for the business increased by 112% year over year, to \u20b9616.61 Crore from \u20b9290.21 Crore. Earnings per Share is \u20b90.98 for this\u2026","rel":"","context":"In "AlphaGraphs"","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/02\/1e77649d-3f63-4d82-9313-9d671e39fb8f-scaled.jpg?resize=1400%2C800&ssl=1 4x"},"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":178794,"position":2},"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":[]},{"id":139051,"url":"https:\/\/alphastreet.com\/india\/idfc-first-bank-limited-q3-fy23-earnings-conference-call-insights\/","url_meta":{"origin":178794,"position":3},"title":"IDFC First Bank Limited Q3 FY23 Earnings Conference Call Insights","author":"Praveen","date":"January 24, 2023","format":false,"excerpt":"Key highlights from IDFC First Bank Limited (IDFCFIRSTB) Q3 FY23 Earnings Concall Management Update: [00:06:36] IDFCFIRSTB opened about 37 branches in 3Q23, totaling to 707 branches. The bank saw strong growth across all product segments; home loans grew by 48% YoY and wheels segment saw growth of 50%. 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