IDFC FIRST Bank Share Price in Focus on Q3 FY26 Earnings Results: PAT up 48% YoY

IDFC FIRST Bank released its unaudited financial results for the quarter and nine months ended 31 December 2025, highlighting a notable rise in profit and continued expansion of its loan book. 

IDFC FIRST Bank Q3 FY26 Earnings Results 

The bank posted net profit of ₹503 crore for the quarter, up 48 % from ₹339 crore a year earlier and 42 % from the previous quarter. Core operating profit reached ₹1,937 crore, a rise of 11% YoY and 6% QoQ. Net interest margin improved to 5.76% from 5.59% in the prior quarter. 

Customer deposits grew to ₹2,82,662 crore, a 24% increase YoY, while CASA deposits rose 33 % to ₹1,50,350 crore, lifting the CASA ratio to 51.64 %. 

Loan Growth and Asset Quality 

Loans and advances expanded to ₹2,79,428 crore, a 21% YoY increase. Mortgage, vehicle, consumer, business and wholesale loans accounted for 89% of this growth. Gross NPA fell to 1.69%, down 25 basis points YoY, and net NPA held at 0.53%. 

Cost of funds declined to 6.11% from 6.23% in the previous quarter, supporting the margin improvement. 

Wealth Management and Credit Cards 

Wealth management assets reached ₹58,957 crore, up 31% YoY. Credit cards in force grew to 4.3 million during the quarter. 

Provisions for the quarter reduced by 3.7% QoQ to ₹1,398 crore. 

Read More: REC Q3 FY26 Earnings Results: Net Profit at ₹4,043 Crore, ₹4.6 Interim Dividend Announced! 

Capital Adequacy and Governance 

Capital adequacy stood at 16.22% at quarter end, up from 14.34% a quarter earlier. The bank continues to adhere to regulatory guidelines and maintains a governance framework aligned with its ethical banking principles. 

IDFC First Bank Share Price Performance  

As of February 01, 2026, at 9:18 AM, IDFC First Bank share price on NSE was trading at ₹83.60 up by 0.02% from the previous closing price.  

Conclusion 

The Q3 FY26 results show robust profit growth, expanding deposits and loans, and improving asset quality for IDFC FIRST Bank. The figures reflect continued momentum across lending, deposits, wealth management and credit card segments. 

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