IDBI Bank Q1 FY27: Profit Holds Up as Loan Growth Stays Strong

PAT was 2115 crore and PBT was 2805 crore for the quarter ended June 2026 (Q1 FY27), as per the highlights and profit and loss table.

Net interest income was 3486 crore in the June 2026 quarter (up 10% YoY). Reported NIM was 3.61% (down 7 bps YoY and down 54 bps QoQ). Core NIM was 3.34%.

Total deposits were 325757 crore with CASA ratio of 43.64% (CASA 142162 crore). Net advances were 258968 crore.

GNPA was 2.30% and Net NPA was 0.16% as of June 2026. Provision coverage ratio (PCR) was 99.31%.

As of June 2026, Tier 1 ratio was 26.38% and total CRAR was 26.92% with RWA of 230728 crore, as per the capital adequacy table.

Key stated targets include ROA above 1.50%, ROE above 15%, CRAR above 18%, NIM above 3.25%, CASA above 40%, cost-to-income below 50%, GNPA below 3% and Net NPA below 0.50%, along with 12% to 13% business growth aspiration and adding 195 branches in FY 2026.