IDFC FIRST Bank Q4 FY26 Net Profit Rises 7.3% YoY

IDFC FIRST Bank reported FY26 net profit of ₹1,636 crore, a 7.3% YoY increase, with normalized PAT for Q4 FY26 at ₹746 crore excluding one-time items.
Total deposits grew 17.3% YoY to ₹2,84,453 crore, while gross advances increased 20% YoY to ₹2,90,278 crore, driven by retail and wholesale segments.
Asset quality improved with gross NPA ratio declining to 1.61% and net NPA ratio at 0.48%, the lowest in the bank's history.
The bank's NIM stood strong at 5.75% for FY26, with cost of funds reducing to 6.00% in Q4 FY26, down 180 bps since merger.