IDFC First Bank has reported strong quarterly performance with net profit reaching ₹3.19 billion for Q4 FY26, representing growth from ₹3.04 billion in the corresponding period of the previous year. The bank's revenue for the quarter stood at ₹105 billion compared to ₹94 billion in Q4 FY25, demonstrating robust operational performance. The full-year net profit reached ₹16.36 billion, reflecting the bank's consistent growth trajectory.

Quarterly Financial Performance

The bank's Q4 FY26 results showed positive momentum across key financial metrics. Total income for the quarter reached ₹121.83 billion, while interest earned amounted to ₹105.53 billion compared to ₹94.13 billion in the previous year's corresponding quarter. The full-year total income stood at ₹484.22 billion, compared to ₹435.23 billion in the previous fiscal year.

| Financial Metric: | Q4 FY26 | Q4 FY25 | Growth || | ---: | :--- | :--- | :--- | | Net Profit: | ₹3.19 billion | ₹3.04 billion | YoY Growth | | Revenue: | ₹105 billion | ₹94 billion | YoY Growth | | Total Income: | ₹121.83 billion | ₹113.08 billion | YoY Growth | | Interest Earned: | ₹105.53 billion | ₹94.13 billion | YoY Growth |

Asset Quality Shows Marked Improvement

The bank demonstrated significant improvement in asset quality parameters during Q4 FY26. The gross non-performing asset (GNPA) ratio declined to 1.61% from 1.69% in the previous quarter, showing sequential improvement. The net NPA (NNPA) ratio improved to 0.48% from 0.53% quarter-on-quarter, indicating enhanced asset quality management.

Fraud Incident Impact and Regulatory Compliance

The Joint Statutory Auditors issued an unmodified audit opinion while drawing attention to a fraud incident involving embezzlement of deposit balances at a branch in Chandigarh. The bank paid ₹645.59 crore to affected customers, which has been charged to the profit and loss account as an expense. The matter remains under investigation by law enforcement agencies and is subject to forensic review.

Capital Position and Shareholder Returns

The bank maintained a strong capital adequacy ratio (Basel III) of 15.60% as of March 31, 2026, compared to 15.48% in the previous year. The Board of Directors proposed a dividend of ₹0.25 per share, subject to shareholder approval. Basic earnings per share for FY26 was ₹1.93, and the bank issued 29.71 million equity shares under the Employee Stock Option Scheme during the fiscal year.

IDFC FIRST Bank Limited has announced the availability of its Q4FY26 earnings call recording following the completion of its investor conference call held on April 25, 2026. The bank informed stock exchanges through a regulatory filing dated April 26, 2026, confirming that the audio recording is now accessible to stakeholders.

Earnings Call Recording Details

The bank has made the complete audio recording of its earnings call available on its official website. The call, which was held on April 25, 2026, at 5:00 p.m. Indian Standard Time, covered the audited financial results for the quarter and financial year ended March 31, 2026.

Regulatory Compliance

The notification was submitted to both the National Stock Exchange of India Limited and BSE Limited as part of the bank's regulatory compliance under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing ensures transparency and provides stakeholders with access to management discussions on the bank's financial performance.

Access Information

The audio recording has been uploaded to the bank's website under the financial results section. This follows the bank's earlier announcement about rescheduling the earnings call, which was initially planned for a different date but was moved to April 25, 2026, to accommodate scheduling requirements.

The notification was digitally signed by Satish Gaikwad, General Counsel and Company Secretary, on April 26, 2026, at 11:07:25 IST, completing the bank's disclosure obligations for the earnings call proceedings.