IDFC First Bank, a well-known private sector bank in India, shared its financial results for the fourth quarter of FY25 on Saturday, April 26, 2025.
In IDFC First Bank Q4 results, the bank’s consolidated net profit decreased to ₹295.6 crore. The analysts were also expecting a fall of 52% to 60% in the net profit. This marks a 59.6% year-on-year (YoY) de-growth compared to ₹731.9 crore in the same quarter last year.
For the Q4 FY25 period, the bank also reported a YoY rise of 9.8% in its net interest income (NII), which reached ₹4,907.6 crore. This figure was lower than analysts’ predictions of ₹4,998 crore and up from ₹4,470.5 crore in Q4 of the previous year.
In addition, the bank shared that its net non-performing assets (NPA) increased to ₹1,229.9 crore in Q4 FY25, from ₹1,160.5 crore reported in the same quarter last year.
IDFC First Bank Ltd. Q4 Results Highlights
In this table, you will get an overview of IDFC First Bank latest quarterly results:
| Q4 FY 2024-25 | Q3 FY 2024-25 | Q4 FY 2023-24 | YoY Growth (%) | QoQ Growth (%) | |
| Total Income (₹ in crore) | ₹11,308.4 | ₹11,122.9 | ₹9,862.5 | 14.7% | 1.7% |
| Net profit (₹ in crore) | ₹295.6 | ₹340.8 | ₹731.9 | -59.6% | -13.3% |
| EPS (Diluted) | ₹0.4 | ₹0.5 | ₹1 | -60% | -20% |
IDFC First Bank’s Financial Results Comparison With the Previous Year
Here is a table of annual data comparison of IDFC First Bank Q4 2025 results:
| FY 2024-25 | FY 2023-24 | |
| Total Income (in crore) | ₹43,478.3 | ₹36,256.8 |
| Net profit (in crore) | ₹1,490.4 | ₹2,942.4 |
| EPS | ₹2 | ₹4.2 |
Updates Shared By IDFC First Bank in Latest Financial Results
During the announcements of IDFC First Bank Q4 results, the company’s management provided key updates regarding the upcoming quarters :
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Updates About Dividend
In the IDFC First Bank results, the Board of Directors at its meeting held on April 26, 2025, proposed a dividend of ₹0.25 per share, subject to the approval of the members at the ensuing Annual General Meeting.
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Impact of New Investment Portfolio Regulations
During the year ended March 31, 2025, the bank implemented the Master Direction on Investment Portfolios effective April 1, 2024. Following transition provisions, the Bank’s net worth increased by ₹532.5 crore (post-tax) as of April 1, 2024. Figures for periods before this date are therefore not comparable.
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Change in Accounting Policy for Share-Based Compensation
Effective April 1, 2024, the bank adopted the fair value method (using the Black-Scholes model) for share-linked instruments granted after March 31, 2024, extending it to all employees. This change increased ‘Employee cost’ by ₹15.9 crore for the quarter and ₹55.2 crore for the year ended March 31, 2025.
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Deposits
As per the Q4 IDFC First Bank results, customer Deposits grew 25.2% YoY to ₹2,42,543 crore, driven by 26.4% YoY growth in Retail Deposits to ₹1,91,268 crore and 24.8% YoY growth in CASA deposits.
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Loans & Advances
In the IDFC First Bank latest results, the total Loan Book grew 20.4% YoY to ₹2,41,926 crore, with Retail, Rural, and MSME loans rising 18.6% to ₹1,97,568 crore. Microfinance portfolio share declined from 6.6% to 4.0%. Growth was driven by Mortgage, Vehicle, Gold, MSME, and Corporate loans.
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Asset Quality
Excluding MFI, the bank’s loan accounts remain stable. GNPA/NNPA improved to 1.87%/0.53% (Mar-25). Ex-MFI GNPA/NNPA stood at 1.63%/0.47%. Retail, Rural, and MSME (ex-MFI) GNPA/NNPA improved QoQ. Provision Coverage Ratio was 72.3%. Slippages ex-MFI declined by ~₹150 crore QoQ, while MFI slippages rose. SMA 1+2 portfolios across key products remained stable.
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Rating
The Bank holds a Long-Term Credit Rating of AA+ (Stable) from CARE and CRISIL, while its Fixed Deposit Programme is rated “AAA” (highest rating) by CRISIL Ratings.
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