Part of the guide: Q1 FY27 results (April to June 2026): company results we have covered
results decoderIDBI Bank Q1 FY27: net profit ₹2,115 crore, up 5% from a year earlier
The bank reported a 5% rise in net profit for the June 2026 quarter. Net interest income rose 10%, net advances 22%, and the gross NPA ratio fell to 2.30%.
IDBI Bank reported a net profit of ₹2,115 Cr for the quarter ended 30 June 2026 (Q1 FY27), up 5% from a year earlier, according to its investor presentation dated 18 July 2026.
Key figures
| Metric | Q1 FY27 | Change year on year (as stated by the bank) |
|---|---|---|
| Net profit (PAT) | ₹2,115 Cr | +5% |
| Profit before tax | ₹2,805 Cr | +11% |
| Operating profit | ₹2,168 Cr | −8% |
| Net interest income | ₹3,486 Cr | +10% |
| Net interest margin | 3.61% | −7 bps |
| Return on assets | 1.89% | −12 bps |
| Return on equity | 14.80% | −311 bps |
| Net advances | ₹2,58,968 Cr | +22% |
| Total deposits | ₹3,25,757 Cr | +10% |
| CASA ratio | 43.64% | n/a |
| Gross NPA ratio | 2.30% | −63 bps |
| Net NPA ratio | 0.16% | −5 bps |
| Provision coverage ratio | 99.31% | n/a |
| Total capital adequacy (CRAR) | 26.92% | +153 bps |
Profit before and after provisions
Operating profit fell 8% to ₹2,168 Cr, while profit before tax rose 11% to ₹2,805 Cr. In the bank’s profit and loss statement, provisions and contingencies (excluding tax) were a net credit of ₹637 Cr in Q1 FY27. Tax expense was ₹689 Cr.
Advances, deposits and asset quality
- Net advances grew 22% to ₹2,58,968 Cr. Retail net advances were ₹1,80,936 Cr, also up 22%.
- Total deposits grew 10% to ₹3,25,757 Cr. CASA deposits were ₹1,42,162 Cr.
- The gross NPA ratio was 2.30%, down 63 basis points. The net NPA ratio was 0.16%, down 5 basis points.
- SMA accounts were 1.74% of standard advances, against 2.24% as of June 2025.
- Tier 1 capital was 26.38%, up 267 basis points.
Basis of these figures
The figures come from the bank’s investor presentation, and previous-year figures are regrouped or restated wherever applicable. The presentation notes that certain figures may not add up due to rounding. Read the full presentation for definitions and the complete tables.