Date: July 18, 2026

Financial Performance Highlights

Profitability:

  • Net Profit: ₹2,115 crore for Q1 FY27, representing YoY growth of 5% (from ₹2,007 crore in Q1 FY26) and QoQ growth of 9%
  • Operating Profit: ₹2,168 crore for Q1 FY27
  • Net Interest Income (NII): ₹3,486 crore, showing YoY growth of 10% (from ₹3,166 crore in Q1 FY26)
  • Net Interest Margin (NIM): 3.61%
  • Return on Assets (ROA): 1.89%, showing QoQ improvement of 14 bps

Cost Metrics:

  • Cost of Deposit: 4.59% in Q1 FY27, reduced by 25 bps YoY (from 4.84% in Q1 FY26) and 1 bp QoQ
  • Cost of Funds: 4.68% in Q1 FY27, reduced by 30 bps YoY (from 4.98% in Q1 FY26) and 3 bps QoQ

Business Growth

Deposits:

  • Total Deposits: ₹3,25,757 crore as of June 30, 2026, showing YoY growth of 10% (from ₹2,96,782 crore as of June 30, 2025)
  • CASA: ₹1,42,162 crore, showing YoY growth of 7% (from ₹1,32,467 crore as of June 30, 2025)
  • CASA Ratio: 43.64% as of June 30, 2026

Advances:

  • Net Advances: ₹2,58,968 crore as of June 30, 2026, showing YoY growth of 22% (from ₹2,11,907 crore as of June 30, 2025) and QoQ growth of 2% (from ₹2,53,626 crore as of March 31, 2026)
  • Portfolio Composition: Corporate vs Retail ratio in Gross Advances stood at 30:70 as of June 30, 2026
  • Total Business: ₹5,84,725 crore, showing YoY growth of 15%
  • Credit Deposit Ratio: 79.50%, improved by 810 bps YoY and 644 bps QoQ

Asset Quality

NPA Ratios:

  • Gross NPA: 2.30% as of June 30, 2026, improved from 2.93% as of June 30, 2025 (63 bps reduction YoY) and from 2.32% as of March 31, 2026
  • Net NPA: 0.16% as of June 30, 2026, improved from 0.21% as of June 30, 2025 (5 bps reduction YoY)
  • Provision Coverage Ratio (including Technical Write-Offs): 99.31% as of June 30, 2026, consistently above 99% since September 2023

Capital Position

Capital Ratios:

  • CRAR: 26.92% as of June 30, 2026, improved by 153 bps YoY (from 25.39% as of June 30, 2025) and 27 bps QoQ (from 26.65% as of March 31, 2026)
  • Tier 1 Capital: 26.38% as of June 30, 2026, improved from 23.71% as of June 30, 2025 and 25.56% as of March 31, 2026
  • Risk Weighted Assets (RWA): ₹2,30,728 crore as of June 30, 2026, increased from ₹1,92,965 crore as of June 30, 2025

Significant Developments

Awards & Recognition:

  • Received "APY Annual Award of Ultimate Achiever" from Department of Financial Services, Ministry of Finance for outstanding achievement in meeting annual Atal Pension Yojana (APY) enrolment targets for FY 2025-26
  • Honored at "Internal Audit Excellence Awards 2026" for pioneering use of AI-enabled i Netra system in strengthening internal audit processes

Initiatives:

  • Launched "IDBI Innovate 2026" - a nationwide hackathon aimed at fostering innovation and accelerating digital transformation within the banking ecosystem
  • Initiative targets start-ups, fintech companies, developers, and innovators across India to develop technology-driven solutions for real-world banking challenges