SYNOPSIS:
IDFC First Financial institution reported Rs. 5,113 crore NII in Q2 FY26, up 7 p.c YoY; internet revenue rose 64 p.c YoY to Rs. 348 crore, with CASA ratio bettering to 50.1 p.c amid robust deposit development.
Throughout Monday’s buying and selling session, shares of one in every of India’s fast-growing non-public banks, constructing its UI, UX, and tech stack like a fintech, surged almost 7 p.c on the BSE, after the corporate reported Q2 FY26 outcomes with an increase within the internet revenue by round 64 p.c YoY.
At 01:11 p.m., shares of IDFC First Financial institution Restricted have been buying and selling in inexperienced at Rs. 76.36 on BSE, up by round 6.2 p.c, in comparison with its earlier closing value of Rs. 71.91, with a market cap of Rs. 56,042.6 crores. The inventory has delivered constructive returns of greater than 8 p.c in a single 12 months, and has gained by almost 8 p.c within the final one month.
What’s the Information
IDFC First Financial institution Restricted introduced the monetary outcomes for the second quarter of FY26 on Saturday, as per the most recent regulatory filings with the inventory exchanges. For Q2 FY26, the financial institution reported a internet curiosity revenue (NII) of Rs. 5,113 crores, reflecting a sequential development of round 4 p.c QoQ in comparison with Rs. 4,933 crores in Q1 FY26, and a year-on-year marginal enhance of about 7 p.c from Rs. 4,788.3 crores recorded in Q2 FY25.
Throughout the identical interval, internet revenue stood at Rs. 348 crores, indicating a fall of over 23 p.c QoQ from Rs. 453.5 crores in Q1 FY26, however a formidable development on a year-on-year foundation by almost 64 p.c from Rs. 212 crores reported in Q2 FY25.
Roughly 94 p.c of the Financial institution’s year-on-year development in loans and advances was pushed by enlargement throughout key segments, together with mortgage loans, car loans, shopper loans, enterprise banking, MSME, and wholesale lending. Moreover, the Financial institution’s bank card base reached 4 million playing cards throughout Q2 FY26.
As of September 2025, CASA deposits rose to Rs. 1.38 lakh crore, reflecting a sturdy enhance of 27 p.c YoY and 9 p.c QoQ, whereas the CASA ratio improved to 50.1 p.c, up 119 foundation factors YoY and 208 bps QoQ. The Web Curiosity Margin (NIM) for Q2 FY26 stood at 5.59 p.c, contracting by 59 foundation factors YoY and 12 foundation factors QoQ.
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Concerning the Financial institution
IDFC FIRST Financial institution Restricted was created via the merger of IDFC Financial institution and Capital First on eleventh December 2018, when all regulatory and authorized approvals have been obtained, introduced to the general public, and the brand new administration took cost. Later efficient 1st October 2024, IDFC and IDFC First Financial institution accomplished their merger after receiving all essential approvals.
The financial institution supplies a whole suite of banking and monetary providers, together with retail banking, wholesale banking, digital banking, and treasury operations. Throughout FY25, IDFC First Financial institution commenced abroad operations within the Offshore Banking Unit on the Worldwide Monetary Service Centre Banking Unit (IBU), GIFT Metropolis, India.
As of thirtieth September 2025, the Financial institution serves 35 million clients, with a buyer enterprise of Rs. 5.35 lakh crore comprising buyer deposits of Rs. 2.69 lakh crores and loans & advances of Rs. 2.66 lakh crores. Buyer deposits grew 23.4 p.c YoY and loans 19.7 p.c YoY. We attain over 60,000 cities, cities, and villages, function via 1,041 branches.
Written by Shivani Singh
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