IDBI Bank Net Profit Rises 17% to ₹2,007 Crore in Q1 FY26

The Board of Directors of IDBI Bank Ltd. met in Mumbai today and approved the financial results for the Quarter ended June 30, 2025.

Operating Performance for Q1 of FY 2026

• Net Profit improved by 17% in Q1-2026 to ₹2,007 crore as against net profit of ₹1,719 crore in Q1-2025. 

• Operating profit improved by 13% in Q1-2026 to ₹2,354 crore as against ₹2,076 crore in Q1-2025.

• Net Interest Income stood at ₹3,166 crore in Q1-2026 as against ₹3,233 crore in Q1-2025. 

• Net Interest Margin (NIM) stood at 3.68% in Q1-2026 as compared to 4.18% in Q1-2025. 

• Return on Assets (ROA) improved by 18 bps to 2.01% in Q1-2026 as compared to 1.83% for Q1-2025

• Cost of Deposit stood at 4.84% in Q1-2026 as compared to 4.58% in Q1-2025. 

• Cost of Funds stood at 4.98% in Q1-2026 as compared to 4.81% in Q1-2025. 

• Return on Equity (ROE) stood at 17.91%.

• Cost to Income Ratio stood at 48.86%.

Business Growth

• Total Deposits increased to ₹2,96,868 crore as on June 30, 2025 as against ₹2,77,548 crore as on June 30, 2024  registering a growth of 7% YoY.

• CASA stood at ₹1,32,553 crore and CASA ratio stood at 44.65% as on June 30, 2025. As on June 30, 2024 total CASA and CASA ratio were at ₹1,34,810 crore and 48.57%.

• Net advances stood at ₹2,11,907 crore as on June 30, 2025 as against ₹1,94,026 crore as on June 30, 2024 registering a growth of  9% YoY.

• The composition of corporate v/s retail in gross advances portfolio stood at 30:70 as on June 30, 2025. 

Asset Quality

• Gross NPA ratio improved to 2.93% as on June 30, 2025 as against 3.87% as on June 30, 2024. 

• Net NPA ratio improved to 0.21% as on June 30, 2025 as against 0.23% as on June 30, 2024. 

• Provision Coverage Ratio (including Technical Write-Offs) stood at 99.31% as on June 30, 2025 from 99.34% as on June 30, 2024. 

Capital Position

• Tier 1 capital improved to 23.71% as on June 30, 2025 as against 20.26% as on June 30, 2024. 

• CRAR improved to 25.39% as on June 30, 2025 as against 22.42% as on June 30, 2024. 

• Risk Weighted Assets (RWA) stood at ₹1,92,965 crore as on June 30, 2025 as against ₹1,77,755 crore as on June 30, 2024. 

Significant Developments 

• IDBI Bank was conferred with the Bhamashah Award from the State of Rajasthan for its CSR contributions in the field of education. 

• IDBI Bank was awarded for the OCEN – GeM (Government e Marketplace) Sahay 2.0 initiative at Finnoviti 2025. 

• IDBI Bank was awarded the ‘Best Mobile Banking Service of the Year 2025’ by Synnex India.

• IDBI Bank and the Regional Cancer Centre (RCC) in Thiruvananthapuram signed an MoU for strengthening cancer treatment with upgraded equipments.

IDBI Bank Ltd

Key Summary for Q1 FY 2026 Results