2026-05-03 20:00:00
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Stock Report
IDBI Bank Reports Record Performance for FY 2025-26: Net Profit Surges 27% to ₹9,513 Crore
Posted On : 2026-05-03 10:27:00( TIMEZONE : IST )
IDBI Bank Limited (NSE: IDBI, BSE: 500116) has announced its audited financial results for the quarter and fiscal year ended March 31, 2026. The Bank delivered a landmark performance, with its total business crossing the ₹6 Trillion mark and annual profits reaching an all-time high.
Annual Financial Performance (FY26 vs. FY25)
IDBI Bank demonstrated significant growth across all key metrics, underpinned by a sharp improvement in asset quality and capital strength:
Net Profit: Surged by 27% to ₹9,513 crore, compared to ₹7,515 crore in FY25.
Total Business: Crossed the ₹6 Trillion milestone, ending at ₹6,00,789 crore (up 14% YoY).
Net Advances: Grew by 16% to reach ₹2,53,626 crore.
Total Deposits: Increased by 12% to ₹3,47,163 crore.
Return on Assets (ROA): Improved by 29 bps to 2.27%.
Quarterly Snapshot: Q4 FY26
The final quarter of the fiscal year saw robust interest income, though higher operational costs and regrouping affected year-on-year quarterly comparisons:
Net Profit: Recorded at ₹1,943 crore.
Net Interest Income (NII): Stood at ₹3,851 crore, reflecting a 17% YoY growth.
Net Interest Margin (NIM): Remained strong at 4.15%, up 15 bps from Q4 FY25.
Operating Profit: Stood at ₹3,043 crore.
Key Balance Sheet & Asset Quality Metrics
IDBI Bank continues to maintain one of the strongest asset quality profiles and capital buffers in the Indian banking sector:
Asset Quality: Gross NPA (GNPA) ratio fell significantly to 2.32% (down from 2.98% in March 2025). Net NPA remained stable at a near-negligible 0.15%.
Provisioning: The Provision Coverage Ratio (PCR) stood at a fortress-like 99.39%.
Capital Strength: The Capital to Risk-Weighted Assets Ratio (CRAR) improved to 26.65%, with Tier 1 Capital at 25.56%, well above regulatory requirements.
CASA Ratio: Maintained a healthy liability profile with a CASA ratio of 44.59%.
Shares of IDBI Bank Limited was last trading in BSE at Rs. 76.77 as compared to the previous close of Rs. 76.85. The total number of shares traded during the day was 689491 in over 4236 trades.
The stock hit an intraday high of Rs. 78.09 and intraday low of 76.40. The net turnover during the day was Rs. 53296102.00.
