{"id":67028,"date":"2026-04-06T12:12:27","date_gmt":"2026-04-06T06:42:27","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=67028"},"modified":"2026-04-06T12:12:30","modified_gmt":"2026-04-06T06:42:30","slug":"icici-bank-q4-results-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/","title":{"rendered":"ICICI Bank Q4 Results 2026: Date, Revenue, PAT &#038; Analyst Outlook"},"content":{"rendered":"<p>ICICI Bank (NSE: ICICIBANK) is preparing to announce its fourth quarter FY26 (Q4 FY26) financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on April 26, 2026 to approve the audited financial statements for Q4 FY26 and consider a recommendation for a final dividend for FY26 shareholder approval.<\/p><p>With ICICI Bank trading at a current market price of Rs 1,200 \u2014 down from a 52-week high of Rs 1,437 and a 1-year return of -6% \u2014 the Q4 FY26 results will be a pivotal moment for investors deciding whether to hold, add, or reduce their position. Analyst estimates for Q4 FY26 revenue stand at Rs 48,000\u201350,000 Cr, with PAT expectations of Rs 11,500\u201312,200 Cr and margin projections of NIM 4.0\u20134.1%.<\/p><p>This article covers the ICICI Bank Q4 results 2026 date, detailed earnings estimates, five key performance factors, five risks to monitor, analyst ratings and price targets, and answers to the most commonly searched investor questions ahead of the announcement. For real-time research and expert analysis, access ICICI Bank data on Univest.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#ICICI_Bank_Q4_Results_2026_Date\" title=\"ICICI Bank Q4 Results 2026 Date\">ICICI Bank Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Why_This_Quarter_Matters\" title=\"Why This Quarter Matters\">Why This Quarter Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#ICICI_Bank_Q4_FY26_Earnings_Estimates\" title=\"ICICI Bank Q4 FY26 Earnings Estimates\">ICICI Bank Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#5_Key_Factors_That_Will_Drive_ICICI_Bank_Q4_FY26_Performance\" title=\"5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance\">5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#1_Consistent_RoA_Above_23_%E2%80%94_Best_in_Large_Private_Banks\" title=\"1. Consistent RoA Above 2.3% \u2014 Best in Large Private Banks\">1. Consistent RoA Above 2.3% \u2014 Best in Large Private Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#2_Retail_and_MSME_Loan_Growth_Outpacing_System\" title=\"2. Retail and MSME Loan Growth Outpacing System\">2. Retail and MSME Loan Growth Outpacing System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#3_Asset_Quality_%E2%80%94_Gross_NPA_Holding_at_20%E2%80%9321\" title=\"3. Asset Quality \u2014 Gross NPA Holding at 2.0\u20132.1%\">3. Asset Quality \u2014 Gross NPA Holding at 2.0\u20132.1%<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#4_Fee_Income_and_Insurance_Cross-Sell_Momentum\" title=\"4. Fee Income and Insurance Cross-Sell Momentum\">4. Fee Income and Insurance Cross-Sell Momentum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#5_Technology_Investment_Driving_Efficiency_Gains\" title=\"5. Technology Investment Driving Efficiency Gains\">5. Technology Investment Driving Efficiency Gains<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#5_Risks_to_Watch_in_ICICI_Bank_Q4_FY26\" title=\"5 Risks to Watch in ICICI Bank Q4 FY26\">5 Risks to Watch in ICICI Bank Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#1_Unsecured_Retail_Book_Delinquency_Risk\" title=\"1. Unsecured Retail Book Delinquency Risk\">1. Unsecured Retail Book Delinquency Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#2_NIM_Under_Pressure_from_Competition_for_Deposits\" title=\"2. NIM Under Pressure from Competition for Deposits\">2. NIM Under Pressure from Competition for Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#3_West_Asia_Exposure_in_Corporate_Book\" title=\"3. West Asia Exposure in Corporate Book\">3. West Asia Exposure in Corporate Book<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#4_ICICI_Prudential_Life_Insurance_Performance\" title=\"4. ICICI Prudential Life Insurance Performance\">4. ICICI Prudential Life Insurance Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#5_Regulatory_Risk_from_RBI_Macro-Prudential_Actions\" title=\"5. Regulatory Risk from RBI Macro-Prudential Actions\">5. Regulatory Risk from RBI Macro-Prudential Actions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#ICICI_Bank_Share_Price_and_Analyst_Ratings\" title=\"ICICI Bank Share Price and Analyst Ratings\">ICICI Bank Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#What_is_the_ICICI_Bank_Q4_results_2026_date\" title=\"What is the ICICI Bank Q4 results 2026 date?\">What is the ICICI Bank Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#What_is_the_ICICI_Bank_Q4_FY26_PAT_estimate\" title=\"What is the ICICI Bank Q4 FY26 PAT estimate?\">What is the ICICI Bank Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#What_is_ICICI_Banks_share_price_ahead_of_Q4_results\" title=\"What is ICICI Bank&#8217;s share price ahead of Q4 results?\">What is ICICI Bank&#8217;s share price ahead of Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Will_ICICI_Bank_declare_a_dividend_in_Q4_2026\" title=\"Will ICICI Bank declare a dividend in Q4 2026?\">Will ICICI Bank declare a dividend in Q4 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Which_analysts_have_a_Buy_rating_on_ICICI_Bank\" title=\"Which analysts have a Buy rating on ICICI Bank?\">Which analysts have a Buy rating on ICICI Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#What_were_ICICI_Bank_Q3_FY26_results\" title=\"What were ICICI Bank Q3 FY26 results?\">What were ICICI Bank Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#When_do_Infosys_and_TCS_announce_Q4_results_2026\" title=\"When do Infosys and TCS announce Q4 results 2026?\">When do Infosys and TCS announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Is_ICICI_Bank_a_good_investment_ahead_of_Q4_results\" title=\"Is ICICI Bank a good investment ahead of Q4 results?\">Is ICICI Bank a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/icici-bank-q4-results-2026\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Q4_Results_2026_Date\"><\/span><strong>ICICI Bank Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Get free investment predictions and live Q4 result alerts on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>ICICI Bank has scheduled its Q4 FY26 results for April 26, 2026. The board of directors will meet to approve the audited consolidated financial statements for the quarter and full year ended March 31, 2026. The trading window for designated employees is closed until 48 hours after the results announcement, as per SEBI regulations. Mark April 26, 2026 as a key date in your investment calendar if you hold or track ICICI Bank.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Results Date<\/strong><\/td><td><strong>Key Watch<\/strong><\/td><\/tr><tr><td>TCS<\/td><td>April 9, 2026 (Confirmed)<\/td><td>Deal TCV, EBIT margin, FY27 guidance<\/td><\/tr><tr><td>Infosys<\/td><td>April 23, 2026 (Confirmed)<\/td><td>Revenue guidance, attrition, large deals<\/td><\/tr><tr><td>ICICI Bank<\/td><td>April 26, 2026 (Expected)<\/td><td>Loan growth 15\u201317% YoY<\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_Quarter_Matters\"><\/span><strong>Why This Quarter Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Q4 FY26 is the quarter ending March 31, 2026 \u2014 the final quarter of the financial year \u2014 and carries additional significance for investors. It determines the full-year FY26 financial performance, sets the benchmark for FY27 estimates, and triggers final dividend announcements. For ICICI Bank, specifically, Q4 FY26 matters because: the stock has delivered a -6% 1-year return against a backdrop of macro uncertainty, making the quarter&#8217;s growth trajectory crucial for sentiment recovery.<\/p><p>Institutional investors typically rebalance portfolios at the end of March, and the Q4 results give them the clarity needed to assess whether to increase or reduce positions ahead of the new financial year. Analyst price targets for ICICI Bank \u2014 ranging from Rs 1,420 to Rs 1,500 \u2014 will be updated post-results based on the actual Q4 FY26 performance and the management&#8217;s FY27 guidance.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Q4_FY26_Earnings_Estimates\"><\/span><strong>ICICI Bank Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-1024x536.jpg\" alt=\"ICICI Bank Q4 FY26 Earnings Estimates\" class=\"wp-image-67032\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-1024x536.jpg 1024w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-300x157.jpg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-768x402.jpg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-900x471.jpg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-600x314.jpg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-150x79.jpg 150w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>Access premium research and analyst estimates on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>Brokerages including MOFSL, YES Securities, JM Financial, and others have published their Q4 FY26 preview estimates for ICICI Bank. The consensus expects Rs 48,000\u201350,000 Cr in revenue for Q4 FY26, compared to Rs 47,508 Cr in Q3 FY26. Profit after tax (PAT) is estimated at Rs 11,500\u201312,200 Cr, with margin expectations of NIM 4.0\u20134.1%. Growth momentum on the key volume\/activity metric is projected at Loan growth 15\u201317% YoY.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Q4 FY26 Estimate<\/strong><\/td><td><strong>Q3 FY26 Actual<\/strong><\/td><td><strong>Key Driver<\/strong><\/td><\/tr><tr><td>Revenue<\/td><td>Rs 48,000\u201350,000 Cr<\/td><td>Rs 47,508 Cr<\/td><td>Volume + pricing<\/td><\/tr><tr><td>PAT<\/td><td>Rs 11,500\u201312,200 Cr<\/td><td>Rs 11,792 Cr<\/td><td>Margin expansion<\/td><\/tr><tr><td>Margin<\/td><td>NIM 4.0\u20134.1%<\/td><td>NIM 4.02%<\/td><td>Cost efficiency<\/td><\/tr><tr><td>Growth Metric<\/td><td>Loan growth 15\u201317% YoY<\/td><td>Previous quarter<\/td><td>Demand recovery<\/td><\/tr><tr><td>Dividend<\/td><td>Rs 12\u201315 per share expected<\/td><td>\u2014<\/td><td>Capital allocation<\/td><\/tr><\/tbody><\/table><\/figure><p>Beyond the headline numbers, investors will watch closely for: management commentary on FY27 revenue growth guidance, any revision in margin trajectory, updates on order book or deal pipeline, and capex or investment plans. A positive surprise on any two of these four parameters could drive a meaningful post-results re-rating.<\/p><p>Screen <a href=\"https:\/\/univest.in\/blogs\/icici-bank-q4-results-2026-preview\">ICICI Bank<\/a> fundamentals and historical financials on <a href=\"https:\/\/univest.in\/screeners\">Univest Screener<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Key_Factors_That_Will_Drive_ICICI_Bank_Q4_FY26_Performance\"><\/span>5 Key Factors That Will Drive ICICI Bank Q4 FY26 Performance<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Consistent_RoA_Above_23_%E2%80%94_Best_in_Large_Private_Banks\"><\/span>1. Consistent RoA Above 2.3% \u2014 Best in Large Private Banks<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has consistently delivered return on assets above 2.3% \u2014 a threshold that only Kotak Mahindra Bank and HDFC Bank (at its prime) have achieved among large private banks. This performance reflects ICICI Bank&#8217;s superior credit underwriting, diversified revenue mix, and operational efficiency. Q4 FY26 RoA is expected to sustain at 2.3-2.4%, supported by stable NIM, controlled credit costs, and growing fee income. CLSA calls this the &#8216;premium justification metric&#8217; for ICICI Bank&#8217;s valuation.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Retail_and_MSME_Loan_Growth_Outpacing_System\"><\/span>2. Retail and MSME Loan Growth Outpacing System<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank&#8217;s retail and MSME loan book has been growing 15-17% YoY \u2014 comfortably ahead of the system average of 12-14%. Home loans, vehicle loans, MSME working capital, and business banking credit cards are the primary growth vectors. The bank&#8217;s technology-led underwriting \u2014 powered by iMobile Pay and the corporate banking portal \u2014 enables faster credit decisions while maintaining asset quality discipline.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Asset_Quality_%E2%80%94_Gross_NPA_Holding_at_20%E2%80%9321\"><\/span>3. Asset Quality \u2014 Gross NPA Holding at 2.0\u20132.1%<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has made remarkable progress on asset quality over the past five years, reducing its Gross NPA from 7.9% in FY20 to approximately 2.0-2.1% in Q4 FY26. The bank&#8217;s provision coverage ratio of approximately 80% provides meaningful protection. Net NPA is expected at approximately 0.4-0.5% \u2014 among the lowest in the banking sector. Credit cost guidance of 50-55 basis points for FY27 is conservative relative to the bank&#8217;s loss history.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Fee_Income_and_Insurance_Cross-Sell_Momentum\"><\/span>4. Fee Income and Insurance Cross-Sell Momentum<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank&#8217;s non-interest income \u2014 from ICICI Life, ICICI Lombard, third-party distribution, and transaction banking \u2014 has been growing steadily. The bank&#8217;s open architecture distribution model allows customers to access multiple insurance and investment products, generating fee income that reduces dependence on NIM alone. Q4 fee income is projected to grow 14-18% YoY, buoyed by high transaction volumes in the March-end quarter.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Technology_Investment_Driving_Efficiency_Gains\"><\/span>5. Technology Investment Driving Efficiency Gains<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has invested heavily in technology \u2014 iMobile Pay (40+ million users), API banking, and AI-powered credit decisioning. These investments are now generating returns in the form of lower cost per acquisition, faster loan processing, and higher customer engagement scores. The cost-to-income ratio has been trending down and is expected at 39-40% in Q4 FY26, contributing to continued operating leverage.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_ICICI_Bank_Q4_FY26\"><\/span>5 Risks to Watch in ICICI Bank Q4 FY26<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Unsecured_Retail_Book_Delinquency_Risk\"><\/span>1. Unsecured Retail Book Delinquency Risk<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Like all Indian banks, ICICI Bank has some exposure to unsecured retail lending (personal loans, credit cards). While ICICI Bank&#8217;s underwriting standards are stricter than the market average, any broad-based consumer credit deterioration \u2014 triggered by job losses or income compression in a slowing macro environment \u2014 could push up credit costs beyond the guided 50-55 bps range.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_NIM_Under_Pressure_from_Competition_for_Deposits\"><\/span>2. NIM Under Pressure from Competition for Deposits<span class=\"ez-toc-section-end\"><\/span><\/h3><p>India&#8217;s banking system has seen intense competition for deposits in FY26, with smaller banks offering rates well above the benchmark. If ICICI Bank&#8217;s deposit costs rise to defend its CASA ratio (currently approximately 39%), NIM could be pressured. A 10 basis point NIM compression would reduce NII by approximately Rs 1,200-1,500 crore quarterly.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_West_Asia_Exposure_in_Corporate_Book\"><\/span>3. West Asia Exposure in Corporate Book<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank has meaningful corporate lending exposure to sectors that may be impacted by the West Asia conflict \u2014 oil marketing companies, infrastructure, and logistics. A prolonged conflict-driven crude spike could stress corporate borrower cash flows, leading to increased watch list accounts in Q4 FY26 and Q1 FY27.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_ICICI_Prudential_Life_Insurance_Performance\"><\/span>4. ICICI Prudential Life Insurance Performance<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Prudential Life&#8217;s VNB (Value of New Business) growth has been moderating. As ICICI Bank distributes ICICI Life products, any slowdown in life insurance volumes directly reduces fee income. ICICI Life faces competition from LIC, HDFC Life, and newer digital-first insurers in the unit-linked and term insurance segments.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Regulatory_Risk_from_RBI_Macro-Prudential_Actions\"><\/span>5. Regulatory Risk from RBI Macro-Prudential Actions<span class=\"ez-toc-section-end\"><\/span><\/h3><p>The RBI has been proactive in applying macro-prudential measures \u2014 including higher risk weights on certain loan categories. Any new regulation targeting ICICI Bank&#8217;s high-growth retail segments could require higher capital allocation, reducing near-term profitability and RoE without a corresponding revenue benefit.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Share_Price_and_Analyst_Ratings\"><\/span><strong>ICICI Bank Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213.jpeg\" alt=\"ICICI Bank Share Price and Analyst Ratings\" class=\"wp-image-67030\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><p>ICICI Bank is trading at Rs 1,200 as of early April 2026, against a 52-week high of Rs 1,437 and a 52-week low of Rs 1,050. The market capitalisation stands at Rs 8,55,000 Cr. The 1-year return of -6% reflects the broader Banking sector headwinds alongside company-specific factors. The Q4 FY26 results and FY27 guidance will be critical in determining whether the stock can recover toward analyst consensus targets.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Brokerage<\/strong><\/td><td><strong>Rating<\/strong><\/td><td><strong>Target Price<\/strong><\/td><td><strong>Thesis<\/strong><\/td><\/tr><tr><td>MOFSL<\/td><td>Buy<\/td><td>Rs 1,500<\/td><td>RoA &gt;2.3%; best-in-class asset quality<\/td><\/tr><tr><td>YES Securities<\/td><td>Buy<\/td><td>Rs 1,480<\/td><td>Retail and MSME driving quality growth<\/td><\/tr><tr><td>CLSA<\/td><td>Outperform<\/td><td>Rs 1,460<\/td><td>Premium justified vs peers on RoE delivery<\/td><\/tr><tr><td>Emkay<\/td><td>Buy<\/td><td>Rs 1,420<\/td><td>Fee income and opex leverage intact<\/td><\/tr><\/tbody><\/table><\/figure><p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track ICICI Bank&#8217;s live price and receive real-time Q4 result alerts when the board declares the results on April 26, 2026.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2><p>ICICI Bank&#8217;s Q4 FY26 results on April 26, 2026 are expected to reinforce its position as India&#8217;s highest-quality large private sector bank. With RoA above 2.3%, stable NIM at 4.0-4.1%, and loan growth of 15-17% YoY, the bank is delivering consistent execution across all key metrics. At Rs 1,200 \u2014 down 6% from its 52-week high \u2014 and with consensus targets of Rs 1,420-1,500, the stock appears attractively positioned for long-term investors.<\/p><p>This analysis is based on publicly available analyst estimates and company filings. Actual Q4 FY26 results may differ materially from consensus estimates. Market reactions to results depend not only on the reported numbers but also on management guidance, peer performance, and broader macro sentiment. Investing ahead of quarterly results carries earnings risk \u2014 the stock can fall on a miss or rise sharply on a beat.<\/p><p>For more Q4 FY26 previews across IT, banking, auto, pharma, and cement sectors, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_ICICI_Bank_Q4_results_2026_date\"><\/span>What is the ICICI Bank Q4 results 2026 date?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank Q4 FY26 results are expected on April 26, 2026. The board of directors will meet on this date to approve the audited financial statements for the quarter ended March 31, 2026, and consider a final dividend recommendation for FY26.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_ICICI_Bank_Q4_FY26_PAT_estimate\"><\/span>What is the ICICI Bank Q4 FY26 PAT estimate?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analysts estimate ICICI Bank&#8217;s Q4 FY26 PAT at Rs 11,500\u201312,200 Cr. This compares to Q3 FY26 PAT of Rs 11,792 Cr. Key brokerages including MOFSL, YES Securities, and JM Financial have published these estimates. Actual results may differ.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_ICICI_Banks_share_price_ahead_of_Q4_results\"><\/span>What is ICICI Bank&#8217;s share price ahead of Q4 results?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank is trading at Rs 1,200 as of early April 2026. The 52-week high is Rs 1,437 and the 52-week low is Rs 1,050. The market capitalisation is Rs 8,55,000 Cr. The 1-year return stands at -6%. Track the live share price on Univest.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_ICICI_Bank_declare_a_dividend_in_Q4_2026\"><\/span>Will ICICI Bank declare a dividend in Q4 2026?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank is expected to consider a dividend of Rs 12\u201315 per share expected at the Q4 FY26 board meeting on April 26, 2026. This would be the final dividend for FY26. The actual dividend amount depends on the board&#8217;s assessment of profitability, capital adequacy, and future investment needs.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_analysts_have_a_Buy_rating_on_ICICI_Bank\"><\/span>Which analysts have a Buy rating on ICICI Bank?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>MOFSL (target Rs 1,500), YES Securities (target Rs 1,480), CLSA (target Rs 1,460), Emkay (target Rs 1,420) have Buy\/Outperform ratings on ICICI Bank as of April 2026.&nbsp; hold Neutral ratings. All targets and ratings are subject to revision after Q4 FY26 results.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_were_ICICI_Bank_Q3_FY26_results\"><\/span>What were ICICI Bank Q3 FY26 results?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>ICICI Bank reported Q3 FY26 (October\u2013December 2025) revenue of Rs 47,508 Cr and PAT of Rs 11,792 Cr, with margin at NIM 4.02%. The Q3 FY26 results provided the base against which Q4 FY26 estimates have been built by analysts.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_Infosys_and_TCS_announce_Q4_results_2026\"><\/span>When do Infosys and TCS announce Q4 results 2026?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>TCS declared Q4 FY26 results on April 9, 2026. For the full TCS Q4 results preview, visit the <a href=\"https:\/\/univest.in\/blogs\/tcs-q4-results-2026-date-preview\">TCS Q4 Results 2026 preview<\/a> on Univest Blogs. Infosys Q4 FY26 results are scheduled for April 23, 2026. Read the full <a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">Infosys Q4 Results 2026 preview<\/a> on Univest Blogs for detailed estimates, analyst ratings, and FY27 guidance expectations.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_ICICI_Bank_a_good_investment_ahead_of_Q4_results\"><\/span>Is ICICI Bank a good investment ahead of Q4 results?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>This depends on your risk appetite, investment horizon, and portfolio context. ICICI Bank has both compelling factors \u2014 RoA &gt;2.3%; best-in-class asset quality \u2014 and genuine near-term risks. Analyst consensus targets range from Rs 1,420 to Rs 1,500. Consult a SEBI-registered financial advisor before making any investment decision. Use Univest Screener to assess ICICI Bank fundamentals independently.<\/p><p><strong>Disclaimer: <\/strong>Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE\/BSE filings and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/lampt-technology-services-q4-results-2026-date-revenue-estimates-key-catalysts-amp-share-price-target\">L&amp;T Technology Services Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/voltas-limited-q4-results-2026-date-revenue-estimates-key-catalysts-amp-share-price-target\">Voltas Limited Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/asian-paints-q4-results-fy26-date-revenue-estimates-key-catalysts-amp-share-price-target\">Asian Paints Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/adani-ports-amp-sez-q4-results-2026-date-revenue-estimates-key-catalysts-amp-share-price-target\">Adani Ports &amp; SEZ Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/bharat-electronics-q4-results-fy26-date-revenue-estimates-key-catalysts-amp-share-price-target\">Bharat Electronics Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>ICICI Bank (NSE: ICICIBANK) is preparing to announce its fourth quarter FY26 (Q4 FY26) financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on April 26, 2026 to approve the audited financial statements for Q4 FY26 and consider a recommendation for a final dividend for FY26 shareholder<\/p>\n","protected":false},"author":29,"featured_media":67033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802,3858],"class_list":["post-67028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news","tag-q4-results"],"metadata":{"_edit_lock":["1775457791:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:6:{s:62:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/image-213.jpeg\";a:2:{s:2:\"id\";i:67030;s:11:\"source_type\";s:13:\"media-library\";}s:94:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120552\/image-213.jpeg\";a:2:{s:2:\"id\";i:67030;s:11:\"source_type\";s:13:\"media-library\";}s:69:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/art03_estimates-1.jpg\";a:2:{s:2:\"id\";i:67032;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/art03_estimates-1-1024x536.jpg\";a:2:{s:2:\"id\";i:67032;s:11:\"source_type\";s:13:\"media-library\";}s:101:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1.jpg\";a:2:{s:2:\"id\";i:67032;s:11:\"source_type\";s:13:\"media-library\";}s:110:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/06120905\/art03_estimates-1-1024x536.jpg\";a:2:{s:2:\"id\";i:67032;s:11:\"source_type\";s:13:\"media-library\";}}"],"rank_math_primary_category":["842"],"rank_math_seo_score":["82"],"rank_math_description":["ICICI Bank Q4 results date is April 26, 2026. Analyst PAT estimate: Rs 11,500\u201312,200 Cr. NIM stable at 4.0\u20134.1%. 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