IDBI Bank Q1 FY27 Results: Net Profit Rises 5% YoY to ₹2,127 Crore, Asset Quality Improves
IDBI Bank reported steady Q1 FY27 earnings with higher net profit and net interest income, while asset quality improved further as gross and net NPAs continued to decline.
IDBI Bank Q1 Results 2027: IDBI Bank reported a 5% year-on-year rise in Q1 FY27 consolidated net profit to ₹2,127 crore, supported by 10% growth in net interest income. Asset quality improved further with Gross NPA falling to 2.30%, although operating profit and net interest margin declined sequentially.
IDBI Bank Q1 Results 2027: On 18 July, IDBI declared its Q1 results. Its standalone Net profit rose 5% YoY to ₹2,115 crore, with Net Interest Income up 10% to ₹3,486 crore. Gross NPA improved to 2.30% from 2.93% a year ago. Here is the detailed breakdown of IDBI Q1 results 2027
IDBI Bank Q1 FY27 Results Highlights (Consolidated)
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Interest earned on a consolidated basis stood at ₹7,549.28 crore, up 7.44% year-on-year but down 3.26% from ₹7,803.71 crore in the March quarter.
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Total income was ₹8,633.28 crore, up a modest 1.59% YoY and down 9.29% from Q4.
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IDBI Bank's consolidated net profit rose to ₹2,127.14 crore for the quarter ended June 2026, up 5.35% from ₹2,019.18 crore a year earlier. On the standalone Bank level, which the bank highlights in its own release, net profit came in at ₹2,115 crore, up 5% YoY and 9% QoQ.
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Net Interest Income rose 10% year-on-year to ₹3,486 crore from ₹3,166 crore, though it fell 9% from ₹3,851 crore in the previous quarter.
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Operating profit on a consolidated basis stood at ₹2,193.29 crore, down 7.76% YoY and 29.40% QoQ.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Interest Earned (₹ Cr) |
7,549.28 |
7,803.71 |
-3.26% |
7,026.62 |
7.44% |
|
Total Income (₹ Cr) |
8,633.28 |
9,517.50 |
-9.29% |
8,498.53 |
1.59% |
|
Operating Profit / PPOP (₹ Cr) |
2,193.29 |
3,106.81 |
-29.40% |
2,377.73 |
-7.76% |
|
PAT — after Minority Interest (₹ Cr) |
2,127.14 |
2,007.12 |
5.98% |
2,019.18 |
5.35% |
|
EPS — Diluted (₹) |
1.98 |
1.87 |
5.88% |
1.88 |
5.32% |
Source: NSE filing, IDBI Bank Q1 FY27 Consolidated Financial Results
IDBI Bank Q1Results: Key Banking Metrics (Standalone)
Asset quality kept improving. Gross NPA ratio fell to 2.30% from 2.93% a year earlier, and Net NPA eased to 0.16% from 0.21%.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ |
Q1 FY26 |
YoY |
|---|---|---|---|---|---|
|
Net Interest Income (₹ Cr) |
3,486 |
3,851 |
-9% |
3,166 |
+10% |
|
Net Interest Margin (NIM) |
3.61% |
4.15% |
-54 bps |
3.68% |
-7 bps |
|
Return on Assets (ROA) |
1.89% |
1.75% |
+14 bps |
2.01% |
-12 bps |
|
Return on Equity (ROE) |
14.80% |
14.35% |
+45 bps |
17.91% |
-311 bps |
|
Gross NPA |
2.30% |
2.32% |
-2 bps |
2.93% |
-63 bps |
|
Net NPA |
0.16% |
0.15% |
+1 bps |
0.21% |
-5 bps |
|
CASA Ratio |
43.64% |
44.59% |
-95 bps |
44.63% |
-99 bps |
Source: IDBI Bank Press Release, Q1 FY 2026-27 (Bank standalone basis, as reported)
IDBI Bank Dividend 2027 and Stock Performance
No dividend, bonus, or buyback was announced alongside the Q1 FY27 results.
As of 17 July, 3:30 PM
Ahead of Q1 FY27 results, IDBI Bank shares ended Friday's session 1.71% higher. However, the stock has fallen 16% so far in 2026 and is down nearly 12% over the past one year (July 17, 2025, to July 17, 2026).
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