IDBI Bank Limited announced its un-audited financial results for the quarter and half year ended September 30, 2026 (Q2 FY27) through a regulatory filing to BSE Ltd and National Stock Exchange of India Ltd. The disclosure is made pursuant to Regulations 30 & 51 of the SEBI (LODR) Regulations, 2015.

Operating Performance for Q2 FY27

  • Operating Profit increased by 33% quarter-on-quarter (QoQ) to ₹2,893 Crores for Q2 FY27 from ₹2,168 Crores in Q1 FY27.
  • Net Profit increased by 4% QoQ to ₹2,205 Crores for Q2 FY27 from ₹2,115 Crores in Q1 FY27.
  • Net Profit declined 39% year-on-year (YoY) from ₹3,627 Crores in Q2 FY26, which included a one-off gain of ₹1,699 Crores from the sale of a strategic investment in NSDL. Excluding this one-off gain, Net Profit increased 14% YoY.
  • Net Interest Income stood at ₹4,228 Crores in Q2 FY27, increasing 29% YoY from ₹3,285 Crores and 21% QoQ from ₹3,486 Crores.
  • Net Interest Margin (NIM) increased to 4.11% for Q2 FY27, up 40 bps YoY from 3.71% and 50 bps QoQ from 3.61%.
  • Cost of Deposit decreased to 4.55% in Q2 FY27 from 4.69% in Q2 FY26 (14 bps reduction YoY) and 4.59% in Q1 FY27 (4 bps reduction QoQ).
  • Cost to income ratio stood at 48.17% in Q2 FY27.
  • Return on Assets (ROA) stood at 1.83% (annualized).

Business Growth (as of September 30, 2026)

  • Total Business reached ₹6,27,216 Crores, growing 18% YoY from ₹5,33,628 Crores and 7% QoQ from ₹5,84,725 Crores.
  • Total Deposits increased 17% YoY to ₹3,55,684 Crores from ₹3,03,408 Crores and 9% QoQ from ₹3,25,757 Crores.
  • CASA increased 12% YoY to ₹1,55,877 Crores from ₹1,38,934 Crores and 10% QoQ from ₹1,42,162 Crores.
  • CASA ratio stood at 43.82% as on September 30, 2026.
  • Net Advances grew 18% YoY to ₹2,71,533 Crores from ₹2,30,220 Crores and 5% QoQ from ₹2,58,968 Crores.
  • The composition of Corporate vs Retail in Gross Advances portfolio stood at 31:69 as on September 30, 2026.

Asset Quality (as of September 30, 2026)

  • Gross NPA ratio improved to 2.12% from 2.65% as on September 30, 2025 (53 bps improvement YoY) and from 2.30% as on June 30, 2026 (18 bps improvement QoQ).
  • Net NPA ratio improved to 0.17% from 0.21% as on September 30, 2025 (4 bps improvement YoY) and increased from 0.16% as on June 30, 2026 (1 bps increase QoQ).
  • Provision Coverage Ratio (including Technical Write-Offs) stood at 99.24% as on September 30, 2026, consistently above 99% since September 2023.

Capital Position (as of September 30, 2026)

  • CRAR improved to 27.10% from 25.39% as on September 30, 2025 (171 bps improvement YoY) and from 26.92% as on June 30, 2026 (18 bps improvement QoQ).
  • Tier 1 Capital improved to 26.55% from 23.79% as on September 30, 2025 (276 bps improvement YoY) and from 26.38% as on June 30, 2026 (17 bps improvement QoQ).
  • Risk Weighted Assets (RWA) stood at ₹2,37,228 Crores, increasing 14% YoY from ₹2,08,546 Crores and 3% QoQ from ₹2,30,728 Crores.
  • Net Worth stood at ₹61,164 Crores, increasing 18% YoY from ₹51,901 Crores and 4% QoQ from ₹59,024 Crores.

Significant Developments

  • IDBI Bank launched a Salary Account Package for Central Government Employees in the presence of senior officials of the Department of Financial Services (DFS).
  • The Bank received the 17th Development Leadership Award 2026 from the Agriculture Today Group for its contribution to agriculture finance, rural development, and financial inclusion.
  • IDBI Bank was awarded the Finnoviti 2026 Award for Integrated Audit by Banking Frontiers for its Integrated Audit Management Solution (i-Netra).
  • The Bank received additional recognitions including the Excellence in Leadership on Innovative Audit Solutions Award at the Outlook Business Spotlight Enterprise & Leadership Awards 2026 and the Innovation in Internal Audit Award at the Internal Audit Excellence Awards 2026 by the Institute of Internal Auditors (IIA), Madras Chapter.