IDFC First Bank Ltd
IDFC First Bank Q2 Results 2026 (FY27) investor presentation: Revenue & Margins
Q2 FY27 investor presentation: what the company reported on revenue, margins and fundraising.
IDFC First Bank Ltd Q2 FY27 key numbers
- Revenue
- Q2 FY27 Interest Income: Rs. 11,922 crore, up 20.0% YoY.
As stated in IDFC First Bank Ltd's Q2 FY27 investor presentation · published 24 Oct 2026. Reported figures, not investment advice.
Based on IDFC First Bank Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.
The short version
Q2 FY27 Interest Income: Rs. The presentation does not explicitly report EBITDA or operating margin figures for the quarter. - For Q2 FY27, Profit After Tax (PAT) is Rs.
From IDFC First Bank Ltd's Q2 FY27 earnings-call transcript · updated 24 Oct 2026.
Revenue & Sales Performance
- Q2 FY27 Interest Income: Rs. 11,922 crore, up 20.0% YoY
- Q2 FY27 Interest Expense: Rs. 5,737 crore, up 18.9% YoY
- Q2 FY27 Net Interest Income: Rs. 6,184 crore, up 21.0% YoY
- Q2 FY27 Fee & Other Income: Rs. 2,285 crore, up 24.5% YoY
- Q2 FY27 Operating Income (excl. trading gain): Rs. 8,469 crore, up 21.9% YoY
- Balance Sheet Sept-26 vs Sept-25 growth:
- Deposits: Rs. 3,48,583 crore, +25.9% YoY
- Loans & Advances: Rs. 3,43,353 crore, +30.7% YoY
- Fee to Average Assets for H1 FY27: 2.06% vs 2.00% in H1 FY26
2 more points from IDFC First Bank Ltd's call on revenue
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Profitability & Margins
- The presentation does not explicitly report EBITDA or operating margin figures for the quarter.
- For Q2 FY27, Profit After Tax (PAT) is Rs. 1,045 crore, a 196.5% year-on-year increase (from Rs. 352 crore in Q2 FY26).
- Operating Income (excluding trading gain) for Q2 FY27 is Rs. 8,469 crore, up 21.9% YoY.
- Operating Expense for Q2 FY27 is Rs. 5,942 crore, up 16.0% YoY.
- Pre-Provisioning Operating Profit (PPOP) (excl. trading gains) is Rs. 2,539 crore (Q2 FY27), a 35.0% YoY growth.
- Cost to Income ratio (excluding trading gains) improved to 70.2% in Q2 FY27 from 73.7% in Q2 FY26.
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Fundraising & Capital Structure
- The presentation shows a significant increase in borrowings over time:
- Borrowings rose from Rs. 40,781 crore (Sep-25) to Rs. 53,956 crore (Sep-26), a 32.3% YoY increase (Page 44).
- Refinancing and other borrowings increased substantially to Rs. 49,176 crore by Sep-26, up 162.9% YoY from Rs. 18,707 crore in Sep-25 (Page 26).
- Total borrowings (including Tier II Bonds) grew 125.7% YoY to Rs. 53,676 crore in Sep-26 from Rs. 23,784 crore in Sep-25 (Page 26).
- Customer deposits also grew by 25.9% YoY to Rs. 3,48,583 crore, with CASA deposits up 19.8% (Page 44).
- The total borrowings and deposits increased 26.8% YoY to Rs. 4,02,540 crore by Sep-26 (Page 26).
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Top-ranked in Banks
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
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What IDFC First Bank Ltd's management said in earlier quarters
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Frequently Asked Questions
What were IDFC First Bank Ltd Q2 FY27 results?
Q2 FY27 Interest Income: Rs. The presentation does not explicitly report EBITDA or operating margin figures for the quarter. - For Q2 FY27, Profit After Tax (PAT) is Rs.
What is IDFC First Bank Ltd share price analysis?
IDFC First Bank Ltd currently shows a neutral. The stock trades at a P/E of 27.7 with a market cap of ₹62,372 Cr. Investors should review the full earnings analysis for detailed insights.
Is IDFC First Bank Ltd planning capital expenditure?
The investor presentation does not explicitly detail any capex, capacity expansion, or new plant/project specifics including amounts, status, or timelines.
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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.