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IDBI Bank Q3 FY26 Net Profit at ₹1,935 Cr; Gross NPA Improves to 2.57%
IDBI Bank reported a marginal 1% YoY increase in Q3 FY26 net profit to ₹1,935 crore, while 9M FY26 profit surged 39% to ₹7,570 crore, aided by a stake sale in NSDL. Asset quality continues to be a strong point, with Gross NPA declining by 100 bps YoY to 2.57% and Net NPA remaining stable at 0.18%. Loan growth was healthy at 15% YoY, though Net Interest Margin (NIM) compressed to 3.52% from 5.17% in the previous year's quarter, which had been boosted by a one-time tax refund interest. The bank maintains an exceptionally strong capital position with a CRAR of 24.63%.
Key Highlights
Net Profit for Q3 FY26 stood at ₹1,935 crore, while 9M FY26 profit reached ₹7,570 crore including ₹1,699 crore from NSDL stake sale.
Gross NPA ratio improved significantly to 2.57% from 3.57% YoY; Net NPA remains low at 0.18% with a PCR of 99.33%.
Net Advances grew 15% YoY to ₹2,38,786 crore, with a retail-to-corporate mix of 71:29.
Capital Adequacy Ratio (CRAR) strengthened to 24.63%, up from 21.98% in the previous year.
CASA ratio stood at 44.06%, though it saw a decline from 46.35% recorded in December 2024.
💼 Action for Investors
Investors should view the continued improvement in asset quality and robust capital adequacy as strong indicators of stability. While NIMs have normalized after previous one-offs, the bank's healthy credit growth and low Net NPA make it a solid performer in the mid-sized banking space.
IDBI Bank Q3 FY26 Net Profit at ₹1,935 Cr; Asset Quality Improves with Gross NPA at 2.57%
IDBI Bank reported a marginal 1% YoY increase in net profit to ₹1,935 crore for Q3 FY26, while 9-month profits surged 39% to ₹7,570 crore, aided by a one-time gain from an NSDL stake sale. Net Interest Income (NII) fell 24% YoY to ₹3,209 crore, primarily due to a high base in the previous year which included a large interest on income tax refund. Asset quality showed significant improvement, with Gross NPA declining 100 bps YoY to 2.57% and Net NPA remaining very low at 0.18%. The bank maintains an exceptionally strong capital position with a CRAR of 24.63% and a high Provision Coverage Ratio of 99.33%.
Key Highlights
Net Profit for Q3 FY26 stood at ₹1,935 crore, up 1% YoY; 9M FY26 profit rose 39% YoY to ₹7,570 crore.
Gross NPA ratio improved to 2.57% from 3.57% YoY, while Net NPA remained stable at 0.18%.
Net Advances grew 15% YoY to ₹2,38,786 crore, driven by a 71% retail and 29% corporate mix.
Capital Adequacy Ratio (CRAR) improved to 24.63% from 21.98% YoY, indicating a very strong capital base.
Net Interest Margin (NIM) compressed to 3.52% from 5.17% YoY, largely due to the base effect of a ₹807 crore tax refund in the previous year.
💼 Action for Investors
Investors should view the continued improvement in asset quality and the robust capital adequacy as strong indicators of the bank's fundamental recovery. The healthy 15% credit growth and low net NPAs make the stock attractive, especially as a potential privatization candidate.
IDBI Bank Q3 FY26 Net Profit Rises 32.7% YoY to ₹1,935.45 Cr; Asset Quality Improves Significantly
IDBI Bank reported a strong performance for the quarter ended December 31, 2025, with standalone net profit growing 32.7% YoY to ₹1,935.45 crore. The bank's asset quality showed marked improvement, with Gross NPA dropping to 3.51% from 4.69% a year ago, and Net NPA remaining negligible at 0.18%. Total income increased to ₹8,282.41 crore, supported by healthy interest earnings and a robust Net Interest Margin of 5.17%. The bank maintains a very strong capital position with a CET 1 ratio of 24.63%.
Key Highlights
Standalone Net Profit increased by 32.7% YoY to ₹1,935.45 crore from ₹1,458.29 crore.
Gross NPA improved significantly to 3.51% compared to 4.69% in the same quarter last year.
Net Interest Margin (NIM) expanded to 5.17% from 4.67% on a year-on-year basis.
Capital Adequacy remains robust with a CET 1 ratio of 24.63% and a total CRAR of 25.39%.
Operating Profit grew by 14.9% YoY to reach ₹2,500.99 crore for the quarter.
💼 Action for Investors
Investors should note the consistent improvement in asset quality and exceptionally high capital buffers which provide a strong cushion for growth. The bank's high NIM and low Net NPA levels make it a fundamentally strong performer in the banking sector.
IDBI Bank Q3 FY26 Update: Net Advances Grow 15% YoY to ₹2.38 Lakh Crore
IDBI Bank has released its provisional business updates for the quarter ended December 31, 2025, showing a 12% YoY growth in total business to ₹5,46,634 crore. Net advances grew robustly by 15% YoY to reach ₹2,38,806 crore, indicating strong credit momentum. Total deposits increased by 9% YoY to ₹3,07,828 crore, though CASA deposits saw a slight sequential decline from ₹1,39,036 crore in September 2025 to ₹1,35,630 crore in December 2025. Overall, the bank maintains a steady growth trajectory in its core lending and deposit base.
Key Highlights
Total Business grew 12% YoY to ₹5,46,634 crore as of December 31, 2025
Net Advances increased by 15% YoY to ₹2,38,806 crore from ₹2,06,807 crore
Total Deposits rose 9% YoY to ₹3,07,828 crore compared to ₹2,82,439 crore in the previous year
CASA deposits stood at ₹1,35,630 crore, reflecting a 3.6% YoY growth but a 2.4% sequential decline
💼 Action for Investors
Investors should view the strong credit growth positively, but monitor the slight dip in CASA and its impact on the cost of funds in the upcoming full earnings report. The stock remains a watch for further updates on the bank's privatization process alongside these operational improvements.