IDBI Bank Q4 FY26 Results is a a 5 per cent year-on-year (YoY) decline in net profit for the January-March quarter of FY26, with profit after tax coming in at ₹1,943 crore. The bank had posted a net profit of ₹2,051 crore in the same quarter last year. The decline was largely due to lower non-interest income during the quarter.
The bank’s net interest income, which is the difference between interest earned and interest paid, increased 17 per cent year-on-year to ₹3,851 crore. However, non-interest income declined 22 per cent year-on-year to ₹1,611 crore. This was mainly because profit from the sale of investments fell to ₹130 crore from ₹267 crore a year earlier. Recovery from written-off accounts also dropped significantly to ₹371 crore, compared with ₹1,095 crore in Q4 FY25.
IDBI Bank’s net interest margin improved to 4.15 per cent in Q4 FY26, against 4 per cent in the corresponding quarter of the previous financial year.
The bank’s deposits grew 12 per cent year-on-year to ₹3.47 trillion. Current account and savings account deposits rose 7 per cent to ₹1.55 trillion. However, the CASA ratio declined to 44.59 per cent from 46.55 per cent in the same period last year.
Net advances increased 16 per cent year-on-year to ₹2.54 trillion. As of March 31, 2026, the bank’s gross advances portfolio had a 30:70 mix between corporate and retail loans.
On the asset quality front, IDBI Bank showed improvement. Its gross non-performing assets ratio stood at 2.32 per cent as of March 31, 2026, compared with 2.57 per cent as of December 31, 2025, and 2.98 per cent as of March 31, 2025.
The net NPA ratio stood at 0.15 per cent at the end of March 2026. It was 0.18 per cent in the previous quarter and 0.15 per cent in the year-ago period.
The bank also strengthened its capital position during the year. Its capital adequacy ratio improved to 26.65 per cent as of March 31, 2026, from 25.05 per cent a year earlier. Tier 1 capital also rose to 25.56 per cent from 23.51 per cent during the same period.
IDBI Bank has continued to expand its retail loan book, particularly in segments such as home loans, personal loans and vehicle finance. At the same time, corporate lending has remained measured, with the bank maintaining a cautious approach towards large-ticket corporate exposure.
Deposit growth has been supported by its association with LIC, a wider branch network and improved digital banking traction. Like many other lenders, IDBI Bank is also seeing stronger customer acquisition through app-based and digital banking channels.
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