IDFC Bank Q4 Results 2025: Profit Plunged 48.40% Amid Microfinance Headwinds

IDFC Bank, a private sector lender, announced its Q4 results for 2025. Moreover, the board has recommended a dividend of ₹0.25 equity shares of face value ₹10 each. As followed by a net profit fall, IDFC Bank share price trades at ₹65.83 with a slight fall of -0.38%. Scroll down to explore IDFC Bank Q4 results 2025 highlights. 

IDFC Bank Q4 Results: Key Highlights

• IDFC First Bank reported a net profit of ₹304 crore, which is a decline of 48.40% against ₹724 crore of Q4FY25. 
• Net interest income of IDFC Bank increased 9.8% YoY to reach ₹4,907 crore. 
• Net interest margin on Assets Under Management (AUM) faced a sequential decline of 9 basis points (BPS).
• Other income of IDFC Bank rose by 5.7% YoY to ₹1,702 crore in the fourth quarter. 
• The core operating profit, excluding the microfinance business, rose by 19.90% YoY in the fourth quarter. 
• IDFC Bank demonstrated robust growth in consumer deposits by 25.20% YoY to reach ₹2,42,543 crore. 
• The funded asset book of IDFC Bank grew by 20.40% with loans and advances, reaching ₹2,41926 crore. 

IDFC Bank Asset Quality and Provisions

IDFC Bank reported its Gross Non-Performing Assets (GNPA) ratio improved by 7 basis points QoQ to reach 1.87% in the fourth quarter. However, the Net Non-Performing Assets (NNPA) increased by 1 basis point to reach 0.53%. Provisions for FY25 reached to ₹5,515 crore, representing 2.46% of the loan book. 

IDFC Bank Share Performance

IDFC Bank shares on Monday, 28th April 2025, traded at ₹65.83 (0.38% lower than its previous closing price). The stock is trading at a P/E ratio of 24.94 and has marked its 52-week high/low of 84.50 and 52.46.  In the past 5 years, IDFC Bank has delivered 203.55% returns to its investors. 

Final Thoughts

IDFC Bank has finally disclosed its Q4 results 2025, marking a 48.40% decline in profitability and a 9.8% YoY surge in net interest income. Investors of IDFC First Bank have a positive outlook for the share price in the long term.

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Disclaimer: Investment in the share market is subject to risk. This news article is for informational purposes only. Conduct your own research before investing in shares and other securities.

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