IDFC FIRST Bank Q1 Results 2027: PAT Rises 153% YoY, NII Grows 21%
IDFC FIRST Bank delivered strong Q1 FY27 earnings as higher net interest income, improved margins, and better asset quality drove a 153% year-on-year increase in consolidated profit.
IDFC FIRST Bank Q1 Results 2027: IDFC FIRST Bank reported a strong Q1 FY27 performance with consolidated net interest income rising 21.10% YoY to ₹5,974.12 crore and profit after tax increasing 153.12% to ₹1,147.82 crore. The quarter was supported by higher margins, improved operating profit, and better asset quality.
IDFC FIRST Bank Q1 Results 2027: On 25 July 2026, IDFC FIRST Bank reported its financial results for the first quarter of FY27. Consolidated Net Interest Income (NII) increased 21.10% year-on-year to ₹5,974.12 crore, while Standalone Profit After Tax (PAT) rose 132.4% YoY to ₹1,074.96 crore. The bank also improved its asset quality and expanded its margins. Here is the detailed breakdown of IDFC FIRST Bank’s Q1 FY27 results.
IDFC FIRST Bank Q1 FY2027 Results Highlights
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Total Income stood at ₹13,360.69 crore in Q1 FY27, registering a 12.57% YoY increase from ₹11,869.02 crore in Q1 FY26. Sequentially, total income grew 9.67% from ₹12,182.97 crore in Q4 FY26.
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Net Interest Income (NII) increased to ₹5,974.12 crore, up 21.10% YoY from ₹4,933.15 crore. Compared with ₹5,677.24 crore in Q4 FY26, NII grew 5.23% QoQ.
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Pre-Provision Operating Profit (PPOP) stood at ₹2,625.71 crore, registering 17.73% YoY growth from ₹2,230.27 crore. Sequentially, PPOP increased 145.34% from ₹1,070.22 crore in Q4 FY26.
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Operating Profit Margin stood at 19.65%, compared with 18.79% in Q1 FY26 and 8.78% in Q4 FY26, expanding 86 basis points YoY while expanding 1087 basis points QoQ.
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Profit After Tax (PAT) stood at ₹1,147.82 crore, rising 153.12% YoY from ₹453.47 crore. Compared with ₹330.64 crore in Q4 FY26, PAT increased 247.15% QoQ.
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Net Interest Margin (NIM) improved to 5.96%, compared with 5.71% in Q1 FY26 and 5.93% in Q4 FY26.
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Earnings Per Share (EPS) (Basic) increased to ₹1.33 from ₹0.62 in Q1 FY26, registering 114.52% YoY growth. Compared with ₹0.38 in Q4 FY26, EPS increased 250.00% QoQ.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
13,360.69 |
12,182.97 |
+9.67% |
11,869.02 |
+12.57% |
|
Net Interest Income (₹ Cr) |
5,974.12 |
5,677.24 |
+5.23% |
4,933.15 |
+21.10% |
|
Operating Profit (PPOP) (₹ Cr) |
2,625.71 |
1,070.22 |
+145.34% |
2,230.27 |
+17.73% |
|
Operating Profit Margin |
19.65% |
8.78% |
+1087 bps |
18.79% |
+86 bps |
|
Profit After Tax (PAT) (₹ Cr) |
1,147.82 |
330.64 |
+247.15% |
453.47 |
+153.12% |
|
Gross NPA (%) (Standalone) |
1.51% |
1.61% |
-10 bps |
1.97% |
-46 bps |
|
Net NPA (%) (Standalone) |
0.44% |
0.48% |
-4 bps |
0.55% |
-11 bps |
|
ROA (%) |
1.06% |
— |
— |
0.54% |
+52 bps |
|
NIM (%) |
5.96% |
5.93% |
+3 bps |
5.71% |
+25 bps |
|
EPS (₹) (Basic) |
1.33 |
0.38 |
+250.00% |
0.62 |
+114.52% |
Source: IDFC FIRST Bank Q1 FY27 Financial Results & Press Release.
IDFC FIRST Bank Q1 FY27 Segment-wise Revenue
Retail Banking remained the bank's largest operating segment during the quarter, while Treasury and Wholesale Banking also posted steady sequential growth.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Treasury |
7,731.95 |
6,762.72 |
+14.33% |
7,374.51 |
+4.85% |
|
Wholesale Banking |
3,192.60 |
2,903.85 |
+9.94% |
2,651.54 |
+20.40% |
|
Retail Banking |
14,616.79 |
13,976.21 |
+4.58% |
12,760.49 |
+14.55% |
|
Other Banking Business |
230.21 |
309.34 |
-25.58% |
219.62 |
+4.82% |
|
Unallocated |
55.19 |
19.89 |
+177.48% |
35.24 |
+56.61% |
|
Gross Segment Revenue |
25,826.74 |
23,972.01 |
+7.74% |
23,041.40 |
+12.09% |
|
Less: Inter-segment Revenue |
12,466.05 |
11,789.04 |
+5.74% |
11,172.38 |
+11.58% |
|
Total Income |
13,360.69 |
12,182.97 |
+9.67% |
11,869.02 |
+12.57% |
Source: IDFC FIRST Bank Q1 FY27 Segment Information.
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IDFC FIRST Bank Share Price
As of 24 July, 3.30 PM
Ahead of the Q1 FY27 results, IDFC First Bank shares ended Friday's session ₹80.79, 1.11% higher. The stock is down 5.44% so far in 2026 and has gained around 11% over the past one year (July 24, 2025, to July 24, 2026).