IDFC FIRST Bank has announced its unaudited financial results for the quarter ended December 31, 2025. The figures reveal a period of robust growth and improving financial health. The bank’s performance showcases strength across multiple key metrics.
Profit after tax for the quarter stood at a impressive Rs 503 crore. This marks a substantial 48% increase compared to the same period last year. Sequentially, profit grew by over 42% from the previous quarter.
The bank’s total customer business reached Rs 5,62,090 crore. This represents a healthy year-on-year growth of 22.62%. The growth momentum is evident across both deposits and advances.
Customer deposits grew by 24.35% year-on-year to Rs 2,82,662 crore. The CASA ratio improved significantly to 51.64%. A lower cost of funds at 6.11% provides a competitive advantage for future lending.
On the assets side, loans and advances grew by 20.93% to Rs 2,79,428 crore. Nearly 89% of this yearly growth came from key segments. These include mortgage loans, vehicle loans, consumer loans, and business banking.
Asset quality showed marked improvement. The gross NPA ratio declined to 1.69%, down 25 basis points year-on-year. The net NPA ratio remained stable at 0.53%.
The core operating profit increased to Rs 1,937 crore. Net interest margin for the quarter was reported at 5.76%. The bank also noted a reduction in provisions for the quarter.
Wealth management emerged as a high-growth segment. This business grew by 31% year-on-year to reach Rs 58,957 crore. The credit card base also expanded significantly to 4.3 million cards in force.
MD and CEO V Vaidyanathan expressed satisfaction with the results. He highlighted strong momentum across all main business lines. He also expects the cost of funds to drop further, aiding the lending franchise.
The bank’s vision focuses on ethical, digital, and social good banking. It serves 35 million customers across a vast network. Its operations span over 60,000 cities, towns, and villages through 1,066 branches.
IDFC FIRST Bank positions itself as a technology-driven institution. It boasts a modern, cloud-native tech stack designed for a fintech-grade experience. This digital focus aims to deliver high-quality services across all channels.
A significant part of its ethos is social good. The bank has impacted over 40 million lives, financing lifestyle improvements and supporting entrepreneurs. It also provides premium investment research access to customers with modest balances.
The bank emphasizes customer-friendly practices. It has waived fees on 36 essential savings account services. This unique approach is designed to create products that customers actively seek out.
With a strong capital adequacy ratio of 16.22%, the bank is well-positioned. It aims to build a diversified portfolio for consistent returns. The journey of building a world-class Indian bank continues with these solid quarterly results.