IDFC First Bank Ltd.
IDFCFIRSTBFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
17 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 17 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220504 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220804 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221028 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230130 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230506 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230804 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231103 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240125 | 2023-12-31 | yes | |
| COVER_LETTER | 20240502 | 2024-03-31 | no | |
| TRANSCRIPT | 20241030 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250130 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250503 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250731 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251023 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260205 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260430 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260731 | 2026-06-30 | yes |
IDFCFIRSTB
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 83.76 |
| 52-week range | 58.85 – 87.9 |
| Return 1M | -1.46% |
| Return 3M | 5.73% |
| Return 1Y | 19.59% |
| Return 3Y | -11.18% |
| Return 5Y | 77.83% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 11,051.00 |
| Interest on advances and bills | 9,438.00 |
| Income on investments | 1,475.00 |
| Interest on balances with the RBI and interbank funds | 61.00 |
| Other interest | 76.00 |
| Interest expended | 5,077.00 |
| Other income | 2,310.00 |
| Total income | 13,361.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | not disclosed | — |
| institutions foreign | 0.36 | -0.00 |
| institutions domestic | 0.24 | 0.02 |
| mutual funds | 0.13 | 0.02 |
| public | 1.00 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2024-03-31 | 1 |
| TRANSCRIPT | 2026-06-30 | 16 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 2,059.00 | 7,736.00 | 11,543.00 | 40.00 | 14,465.00 | 590.00 | 6,817.00 |
| Net cash from investing activities | -6,600.00 | -4,719.00 | -9,887.00 | 3,383.00 | -3,478.00 | -9,956.00 | -14,143.00 |
| Net cash from financing activities | 3,690.00 | -3,746.00 | -2,954.00 | -1,323.00 | -8,673.00 | 9,189.00 | 4,972.00 |
| Purchase of property, plant and equipment | 461.00 | 671.00 | 1,374.00 | 543.00 | 919.00 | 363.00 | 777.00 |
| Net increase in cash | -852.00 | -729.00 | -1,298.00 | 2,102.00 | 2,319.00 | -169.00 | -2,333.00 |
| con:CFO.BEFORE_TAX | 2,109.00 | 8,130.00 | 12,350.00 | 511.00 | 14,666.00 | 1,005.00 | 7,070.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 50.00 | 394.00 | 807.00 | 471.00 | 201.00 | 415.00 | 254.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 6,145.00 | 4,053.00 | 8,723.00 | -3,918.00 | 2,592.00 | 9,606.00 | 13,394.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 5.00 | 0.00 | 210.00 | 9.00 | 33.00 | 13.00 | 28.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 5,470.00 | 7,356.00 | 7,880.00 | 8,220.00 | 8,789.00 | 8,957.00 | 9,343.00 | 9,413.00 | 9,642.00 | 9,937.00 | 10,417.00 | 10,553.00 | 11,051.00 |
| Interest on advances and bills | 4,603.00 | 6,325.00 | 6,747.00 | 6,999.00 | 7,367.00 | 7,581.00 | 7,915.00 | 7,971.00 | 8,136.00 | 8,320.00 | 8,776.00 | 8,967.00 | 9,438.00 |
| Income on investments | 802.00 | 968.00 | 1,035.00 | 1,173.00 | 1,328.00 | 1,282.00 | 1,314.00 | 1,394.00 | 1,432.00 | 1,479.00 | 1,526.00 | 1,512.00 | 1,475.00 |
| Interest on balances with the RBI and interbank funds | 24.00 | 22.00 | 21.00 | 23.00 | 24.00 | 33.00 | 29.00 | 28.00 | 25.00 | 34.00 | 34.00 | 38.00 | 61.00 |
| Other interest | 40.00 | 43.00 | 76.00 | 25.00 | 70.00 | 61.00 | 85.00 | 19.00 | 49.00 | 104.00 | 81.00 | 36.00 | 76.00 |
| Interest expended | 2,467.00 | 3,406.00 | 3,592.00 | 3,750.00 | 4,093.00 | 4,169.00 | 4,440.00 | 4,505.00 | 4,709.00 | 4,824.00 | 4,924.00 | 4,876.00 | 5,077.00 |
| Other income | 1,061.00 | 1,410.00 | 1,517.00 | 1,642.00 | 1,574.00 | 1,727.00 | 1,780.00 | 1,895.00 | 2,227.00 | 1,891.00 | 2,125.00 | 1,630.00 | 2,310.00 |
| Total income | 6,531.00 | 8,766.00 | 9,396.00 | 9,862.00 | 10,363.00 | 10,684.00 | 11,123.00 | 11,308.00 | 11,869.00 | 11,828.00 | 12,542.00 | 12,183.00 | 13,361.00 |
| Employee benefit expense | 1,045.00 | 1,377.00 | 1,405.00 | 1,519.00 | 1,534.00 | 1,617.00 | 1,614.00 | 1,736.00 | 1,761.00 | 1,878.00 | 2,043.00 | 2,004.00 | 2,130.00 |
| Operating expenses | 2,880.00 | 3,849.00 | 4,219.00 | 4,442.00 | 4,422.00 | 4,539.00 | 4,922.00 | 5,008.00 | 4,930.00 | 5,129.00 | 5,608.00 | 6,237.00 | 5,658.00 |
| Expenditure excluding provisions and contingencies | 5,347.00 | 7,255.00 | 7,812.00 | 8,192.00 | 8,516.00 | 8,707.00 | 9,363.00 | 9,514.00 | 9,639.00 | 9,953.00 | 10,533.00 | 11,113.00 | 10,735.00 |
| Operating profit before provisions | 1,184.00 | 1,511.00 | 1,585.00 | 1,671.00 | 1,847.00 | 1,977.00 | 1,760.00 | 1,795.00 | 2,230.00 | 1,876.00 | 2,009.00 | 1,070.00 | 2,626.00 |
| Provisions and contingencies | 424.00 | 528.00 | 655.00 | 722.00 | 994.00 | 1,732.00 | 1,338.00 | 1,450.00 | 1,659.00 | 1,452.00 | 1,398.00 | 869.00 | 1,144.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 760.00 | 983.00 | 930.00 | 948.00 | 853.00 | 245.00 | 422.00 | 344.00 | 571.00 | 424.00 | 611.00 | 201.00 | 1,482.00 |
| Tax expense | 193.00 | 236.00 | 198.00 | 216.00 | 210.00 | 33.00 | 82.00 | 49.00 | 118.00 | 76.00 | 132.00 | -130.00 | 334.00 |
| Profit for the period | 567.00 | 747.00 | 732.00 | 732.00 | 643.00 | 212.00 | 340.00 | 296.00 | 453.00 | 348.00 | 479.00 | 331.00 | 1,148.00 |
| Profit attributable to owners | 567.00 | 747.00 | 732.00 | 732.00 | 643.00 | 212.00 | 340.00 | 296.00 | 453.00 | 348.00 | 479.00 | 331.00 | 1,148.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings per share, basic | 0.91 | 1.12 | 1.04 | 1.04 | 0.91 | 0.28 | 0.46 | 0.40 | 0.62 | 0.35 | 0.54 | 0.38 | 1.33 |
| Earnings per share, diluted | 0.90 | 1.11 | 1.03 | 1.02 | 0.90 | 0.28 | 0.46 | 0.40 | 0.61 | 0.35 | 0.54 | 0.38 | 1.32 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 30,325.00 | 36,502.00 | 40,549.00 |
| Interest on advances and bills | 25,916.00 | 30,835.00 | 34,199.00 |
| Income on investments | 4,118.00 | 5,317.00 | 5,950.00 |
| Interest on balances with the RBI and interbank funds | 94.00 | 115.00 | 131.00 |
| Other interest | 198.00 | 235.00 | 270.00 |
| Interest expended | 13,870.00 | 17,208.00 | 19,333.00 |
| Other income | 5,932.00 | 6,977.00 | 7,874.00 |
| Total income | 36,257.00 | 43,478.00 | 48,422.00 |
| Employee benefit expense | 5,634.00 | 6,502.00 | 7,686.00 |
| Operating expenses | 16,148.00 | 18,892.00 | 21,904.00 |
| Expenditure excluding provisions and contingencies | 30,018.00 | 36,099.00 | 41,237.00 |
| Operating profit before provisions | 6,239.00 | 7,379.00 | 7,186.00 |
| Provisions and contingencies | 2,382.00 | 5,515.00 | 5,379.00 |
| Profit before exceptional items and tax | — | 1,864.00 | 1,807.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 |
| Profit before tax | 3,857.00 | 1,864.00 | 1,807.00 |
| Tax expense | 915.00 | 374.00 | 196.00 |
| Profit for the period | 2,942.00 | 1,490.00 | 1,611.00 |
| Profit attributable to owners | 2,942.00 | 1,490.00 | 1,611.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 0.00 | 0.00 | 0.00 |
| Earnings per share, basic | 4.30 | 2.04 | 1.89 |
| Earnings per share, diluted | 4.23 | 2.03 | 1.88 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 6,221.00 | 6,722.00 | 7,070.00 | 7,483.00 | 7,322.00 | 8,589.00 | 8,890.00 |
| Reserves and surplus | 15,931.00 | 21,041.00 | 25,204.00 | 29,493.00 | 30,834.00 | 37,965.00 | 38,514.00 |
| Deposits | 123,414.00 | 171,115.00 | 200,570.00 | 223,558.00 | 252,010.00 | 276,737.00 | 294,312.00 |
| Borrowings | 56,643.00 | 53,166.00 | 50,936.00 | 46,351.00 | 38,984.00 | 40,792.00 | 36,633.00 |
| Other liabilities and provisions | 10,607.00 | 12,676.00 | 12,430.00 | 13,666.00 | 14,759.00 | 18,250.00 | 21,426.00 |
| Total equity and liabilities | 212,817.00 | 264,720.00 | 296,210.00 | 320,552.00 | 343,909.00 | 382,334.00 | 399,775.00 |
| Cash and balances with the RBI | 7,952.00 | 10,945.00 | 10,988.00 | 12,264.00 | 13,985.00 | 12,215.00 | 11,311.00 |
| Balances with banks and money at call | 6,899.00 | 2,104.00 | 1,493.00 | 2,319.00 | 1,114.00 | 3,286.00 | 1,456.00 |
| Investments | 50,376.00 | 62,922.00 | 74,500.00 | 76,118.00 | 80,505.00 | 91,569.00 | 85,646.00 |
| Advances | 134,762.00 | 174,814.00 | 194,592.00 | 215,061.00 | 233,113.00 | 257,101.00 | 280,391.00 |
| Property, plant and equipment | 1,647.00 | 2,516.00 | 2,675.00 | 2,821.00 | 2,736.00 | 2,658.00 | 2,626.00 |
| Other assets | 11,182.00 | 11,418.00 | 11,962.00 | 11,968.00 | 12,456.00 | 15,505.00 | 18,346.00 |
| Total assets | 212,817.00 | 264,720.00 | 296,210.00 | 320,552.00 | 343,909.00 | 382,334.00 | 399,775.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2024-07-04 | 2024-09-30 | 2024-10-11 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-08-01 | 2025-08-19 | 2025-09-30 | 2025-10-08 | 2025-10-27 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 35.39 | 35.37 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | — |
| Domestic institutions | 12.82 | 11.74 | 16.20 | 16.14 | 19.30 | 23.40 | 23.72 | 24.04 | 0.24 | 0.22 | 0.21 | 0.22 | 0.23 | 0.24 |
| Mutual funds | — | — | — | — | — | 10.95 | 11.27 | 11.63 | 0.12 | 0.10 | 0.10 | 0.11 | 0.11 | 0.13 |
| Insurance companies | 8.95 | 9.06 | 10.56 | 10.90 | 11.36 | 11.99 | 11.97 | 11.93 | 0.12 | 0.11 | 0.10 | 0.11 | 0.11 | 0.11 |
| Foreign institutions | 19.91 | 19.57 | 27.30 | 27.12 | 25.68 | 23.80 | 24.53 | 24.28 | 0.25 | 0.32 | 0.36 | 0.37 | 0.37 | 0.36 |
| Government | — | — | — | — | — | 9.15 | 9.15 | 9.15 | 0.09 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| Public | 64.61 | 64.63 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Non-institutional | 28.37 | 29.80 | 47.33 | 47.58 | 45.86 | 43.65 | 42.60 | 42.53 | 0.42 | 0.38 | 0.36 | 0.33 | 0.33 | 0.32 |
| Shares outstanding | 7477996039 | 7482731991 | 7316269519 | 7320045336 | 7322106984 | 7334325856 | 7335401331 | 7336618805 | 7339261961 | 8151956683 | 8589142349 | 8595688833 | 8601699248 | 8614735794 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| IDFC FIRST Bharat Limited | Subsidiary | Any other transaction, Interest paid | 7,010,000,000.00 | 8 |
| Goldman Sachs (India) Capital Markets Private Limited | Interested entity of KMP/Directors | Any other transaction | 5,765,400,000.00 | 4 |
| Reliance General Insurance Company Limited | Interested entity of KMP/Directors | Any other transaction | 2,507,400,000.00 | 6 |
| IDFC Financial Holding Company Limited | Promoter Group | Any other transaction, Interest paid | 2,500,800,000.00 | 3 |
| Mr. Vishal Mahadevia | Director | Any other transaction, Interest paid | 583,000,000.00 | 2 |
| IDFC Limited | Promoter Group | Any other transaction, Interest paid | 531,700,000.00 | 3 |
| Warburg Pincus India Private Limited | Interested entity of KMP/Directors | Any other transaction, Interest paid | 336,400,000.00 | 3 |
| Mr. Sanjeeb Chaudhuri | Director | Any other transaction, Interest paid | 147,600,000.00 | 5 |
| Mr. Rajesh Krishnamoorthy | Director in Subsidiary Company | Any other transaction, Interest paid, Remuneration | 102,900,000.00 | 4 |
| Mr. Mahendra N Shah | Director | Any other transaction, Interest paid | 72,700,000.00 | 3 |
| Mr. Sudhanshu Jain | Key Managerial Personnel (KMP) | Any other transaction, Interest paid, Remuneration | 57,100,000.00 | 4 |
| Mr. Sudhir Vohra | Relative of KMP/Director | Any other transaction, Interest paid | 51,200,000.00 | 3 |
| Mr. S. Ganesh Kumar | Director | Any other transaction, Interest paid, Remuneration | 41,900,000.00 | 5 |
| Mr. Aashish Kamat | Director | Any other transaction, Interest paid, Remuneration | 38,700,000.00 | 5 |
| Mr. Ashish Singh | Director in Subsidiary Company | Any other transaction, Interest paid, Remuneration | 38,500,000.00 | 4 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-31 | Q1FY27 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2026-04-30 | Q4FY26 | Read the call | |
| 2026-02-05 | Q3FY26 | Read the call | |
| 2025-10-23 | Q2FY26 | Read the call | |
| 2025-07-31 | Q1FY26 | CHIEF EXECUTIVE OFFICER, RELATIONS | Read the call |
| 2025-05-03 | Q4FY25 | CHIEF EXECUTIVE OFFICER, RELATIONS | Read the call |
| 2025-01-30 | Q3FY25 | CHIEF EXECUTIVE OFFICER, HEAD CORPORATE CENTER, RELATIONS | Read the call |
| 2024-10-30 | Q2FY25 | Read the call | |
| 2024-01-25 | Q3FY24 | Read the call | |
| 2023-11-03 | Q2FY24 | HEAD,, SAPTARSHI | Read the call |
| 2023-08-04 | Q1FY24 | Read the call | |
| 2023-05-06 | Q4FY23 | BANK | Read the call |
| 2023-01-30 | Q3FY23 | Read the call | |
| 2022-10-28 | Q2FY23 | BANK LIMITED. | Read the call |
| 2022-08-04 | Q1FY23 | BANK LIMITED | Read the call |
| 2022-05-04 | Q4FY22 | BANK | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | — | — | — | — | — |
| Capital allocation | Or from where we will compensate what we are losing on the customer acquisition there? | — | — | — | Similarly, if I were to see how much of your asset side customer, what could be the proportion of savings account which is coming from your existing a… | — | The Board in its meeting today has recommended a dividend of 25 bps for FY 25. | This has been calculated after IDFC First Bank Limited April 25, 2026 considering dividend of Rs. |
| Costs | — | — | — | And what is the effect on cost of savings from the change that we have taken in January? | — | — | — | So it's been like almost 2 months since the war started and we keep getting news on supply chain disruption, raw material cost. |
| Debt and cash | — | Asset quality is good, they're all cash flow analyzed, they're risk adjusted, they make good returns, and they are shareholder value accretive, fundam… | The business banking segment, which is essentially working capital backed by FDs and property as a collateral. | — | — | — | The business banking, which is largely IDFC First Bank Limited April 26, 2025 secured working capital that has grown at 32% on a Y-o-Y basis then the … | — |
| Demand | So we feel quite comfortable and a strong demand holding up on the loan front. | Growth in certain segments like vehicles and consumer were also relatively higher on account of higher demand due to festive seasons and our increasin… | — | — | But then we are preparing for the whole year, we are seeing a strong demand coming up. | — | — | Now as I talk about the crisis, the West Asia crisis, which is currently going on, what we have done is we have undertaken a comprehensive review of o… |
| Guidance | For the nine months, the annualized credit cost was low at 1.1% against our guidance of 1.5%. | The key highlights for this quarter is that we have come out with Guidance 2.0. | So our guide is that we are seeing this clearly growing. | Now I would like to finally close this by giving a quick input to you on how our operating expenses as a percentage of the book is today and what we e… | It's not hard to see why this number should come down to 2% as per our guidance. | For the full year it was at 1.16%, much lower than our earlier guidance of 1.5%. | And the sequential increase in provisions was also primarily due to MFI, and this was in line with the guidance which we had given in the previous ear… | And I came and said that we expect this to be a profitable quarter because we knew the credit cost of this quarter is going to be quite low because th… |
| Margin | So since we have a really fantastic retail lending machine, which is of delivering of good asset quality, we feel confident to keep power of EBITDA to… | The net interest margin improved by 10 basis points on a sequential basis to 6.42%. | The net interest margin on AUM for the quarter was at 6.04%. | Now we'd like to then say what is the risk-adjusted net interest margin for the bank. | The net interest margin improved to 6.27% for Q4 FY22 from 5.17% in Q4 FY21 driven largely by decrease in cost of funds and however the asset yield st… | We have to put in a 67% growth as compared to FY22. My question is, given that a significant portion of the operating leverage is still to play out in… | IDFC First Bank Limited April 26, 2025 The net interest margin on AUM for the quarter is 5.95%. | On top of it, we don't need to keep too much margin on top of it. |
| People | — | — | If you remember that we had created contingent provision of about INR315 crores against microfinance portfolio in the previous quarter, but we have no… | — | Other than this we have also observed increased tech hiring and marketing regarding the same from IDFC’s side on platforms like LinkedIn and YouTube. | — | — | — |
| Pricing | Pricing is, let me say, in the middle of the band. | — | Are we building in any transfer pricing income in the interest income for the liability business? | — | The bank plans to grow corporate book going forward based on the right opportunities, pricing and the assessment of risk. | So, on savings accounts we give them a particular transfer pricing which is the benchmark for them and the difference between their transfer pricing a… | — | — |
| Revenue growth | Wheels segment, which includes two-wheeler and cars, registered strong growth of 50% on account of the festive demand and our increasing distribution. | That is how we saw growth of close to about Rs. | If I move on to the asset side of the picture, the overall funded assets registered a strong growth of 22% on a Y-o-Y basis to reach INR2.31 lakh cror… | Within deposits, the growth primarily came from CASA deposits, which I am happy to report that it has touched INR1.5 lakh crores in December with a st… | So, we will break out of our CAGR growth of 6% and get into the normal growth league which all, let me say good quality private sector banks are growi… | Wheel segment which includes 2-wheelers and car, registered strong growth of 53% on account of festive demand and our increased distribution. | If I quickly move on to the asset side, then on the funded assets, we have registered a strong growth of 20.4% on a Y-o-Y basis to reach Rs. | 284,000 crores, and there the growth was about 17%. |