IDFC First Bank Shares in Focus: Saw Growth in Customer Deposits and Other Key Metrics

On April 6, 2026, IDFC First Bank shares are in focus, reaching a day high of ₹60.72 at 10:50 AM, after opening at ₹60.34 on BSE. The attention on IDFC First Bank shares came after the bank released its business update for FY26.

Strong Growth in Loans & Advances

The bank reported a 20.0% year-on-year rise in loans and advances, increasing from ₹2,41,926 crore as of March 31, 2025, to ₹2,90,362 crore as of March 31, 2026. On a sequential basis, the loan book expanded by 3.9%, reflecting steady credit growth.

Customer deposits grew 17.2% year-on-year to ₹2,84,327 crore from ₹2,42,543 crore a year ago. However, sequential growth remained modest at 0.6%, while average deposits rose 3.0% quarter-on-quarter.

The bank-maintained account momentum, opening a consistent number of new accounts in March, similar to previous months. It expects deposit growth to gain traction starting Q1 FY27.

Resilience Amid Headwinds

Deposit growth came despite multiple challenges during the quarter, including:

• Year-end advance tax outflows
• Tight liquidity conditions
• Negative news flow around an incident during the quarter
• Ongoing West Asia geopolitical tensions
• Reduction in savings account interest rates by 50–200 basis points

Despite these factors, the bank highlighted continued customer confidence and reaffirmed its commitment to delivering strong products and services.

CASA Ratio and Liquidity Position

The CASA (Current Account Savings Account) ratio stood at 49.8% as of March 31, 2026, compared to 46.9% a year earlier and 51.6% in the previous quarter. On an average basis, CASA remained stable at 50.4% in Q4 FY26 versus 50.0% in Q3.

The bank’s liquidity coverage ratio (LCR) also remained steady at 114% during the quarter, indicating a comfortable liquidity position.

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Asset Quality Trends

The asset quality in the microfinance (MFI) segment has normalised, while the rest of the loan book continues to remain stable, suggesting controlled risk across segments.

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