Arthneeti
IF

IDFC First Bank Ltd

Q4 FY25Banks

IDFC First Bank Ltd Q4 FY25 Results & Concall Highlights: Revenue, Margins & Order Book

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹87
Market cap₹73.5K Cr
P/E32.7
Updated23 Aug 2026
Read4 min read

The short version

Future Growth Expectations of IDFC FIRST Bank: - Targeting loan book growth of around 20% annually over the next 2-3 years. The bank targets loan book growth of around 20% annually and deposit growth of 22-25% (Page 8, 12, 16).

From IDFC First Bank Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Future Growth Expectations of IDFC FIRST Bank: - Targeting loan book growth of around 20% annually over the next 2-3 years. - Deposit growth expected at approximately 22-25% annually. - Fee income projected to grow at around 14-15% going forward. - Operating expenses (opex) expected to rise moderately at 12-13% year-on-year, enabling operating leverage. - CASA ratio (current and savings account deposits) expected to be stable, with modest growth in current accounts (around 7-8% of deposits currently). - Management aims for gradual improvement in profitability post a microfinance-related slowdown, with PAT growth anticipated from Q2 FY26. - Overall emphasis on building a quality, long-term franchise with steady growth rather than aggressive expansion. - Loan-to-deposit ratios expected to moderate to the late 80% range with stable growth. The focus remains on disciplined, sustainable growth rather than rapid or aggressive scaling.

Profitability & Margins

See what IDFC First Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • The document does not explicitly mention any specific current or future capex or strategic capital investments planned by IDFC First Bank.
  • There is emphasis on capital raised via issuance of Compulsorily Convertible Preference Shares (CCPS) amounting to Rs. 7,500 crores, aimed at strengthening capital adequacy and supporting growth.
  • The capital raise is intended to make the bank "bulletproof" and enable stable loan growth (~20%).
  • The focus is on leveraging operating cost efficiency, technology transformation, and scaling the business rather than heavy capital expenditure.
  • Investments are more operational and transformational in nature, such as robotic process automation, call center digitalization, and cost reduction initiatives rather than large tangible capital investments.
  • The strategy revolves around sustainable capital deployment to improve return on equity, strengthen liabilities, and maintain growth trajectory.

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1Bank of Maha
Rev 2Mar 3
2RBL Bank Ltd
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what IDFC First Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript from IDFC First Bank's earnings call does not include any information related to current or expected order book or pending orders. The discussion primarily covers: - Loan growth and portfolio details (mortgages, vehicles, MSME, consumer, credit cards). - Microfinance portfolio trends and credit cost. - Deposit growth, CASA ratios, and cost of funds. - Operating expenses and cost-income ratio guidance. - Capital raise details via CCPS. - Asset and liability management. No mention of order book, pending orders, or contract pipeline is made in the provided content.

Continue your research

What IDFC First Bank Ltd's management said in earlier quarters

Others in Banks this season

  • Tamilnad Mercantile Bank Ltd (Q4 FY25)

    Capital adequacy ratio at a comfortable 32.71%. Key concall takeaways from T N Merc. Bank's Q4 FY25 earnings call — and how it ranks against sector peers.

  • Bank of Maharashtra (Q4 FY25)

    Total business grew 15.30% YoY to INR5,47,000 crore; deposits up 13.44%, advances up 17.76%. Key concall takeaways from Bank of Maha's Q4 FY25 earnings call…

  • Bank of India (Q4 FY25)

    Digital loan book growth continues, with Rs.80,000 crore digital advances (12% of global advances). Key concall takeaways from Bank of India's Q4 FY25 earnings…

  • Bandhan Bank Ltd (Q4 FY25)

    Retail term deposits showed strong 30% YoY growth; total retail deposits grew 11% YoY. Key concall takeaways from Bandhan Bank Ltd's Q4 FY25 earnings call…

Compare:vs HDFC Bank Ltdvs ICICI Bank Ltdvs State Bank of India

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Frequently Asked Questions

What were IDFC First Bank Ltd Q4 FY25 results?

Future Growth Expectations of IDFC FIRST Bank: - Targeting loan book growth of around 20% annually over the next 2-3 years. The bank targets loan book growth of around 20% annually and deposit growth of 22-25% (Page 8, 12, 16).

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 32.7 with a market cap of ₹73,502 Cr. Investors should review the full earnings analysis for detailed insights.

Is IDFC First Bank Ltd planning capital expenditure?

The document does not explicitly mention any specific current or future capex or strategic capital investments planned by IDFC First Bank. - There is emphasis on capital raised via issuance of Compulsorily Convertible Preference Shares (CCPS) amounting to Rs.

Keep IDFC First Bank Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.