IDBI Bank started the financial year with a strong performance. In Q1 of FY26, the bank reported a 17% rise in net profit to Rs 2,007 crore. This is a solid jump from Rs 1,719 crore in the same quarter last year.
The bank’s total income also saw good growth. It went up to Rs 8,458 crore from Rs 7,471 crore in Q1 of FY25. This shows better earnings across the board.
Interest Income Up, But NII Slips
The interest earned by IDBI Bank rose to Rs 7,021 crore. Last year, it was Rs 6,666 crore for the same quarter. However, the net interest income (NII) dropped slightly to Rs 3,166 crore, from Rs 3,233 crore a year ago.
Still, the bank managed to grow its operating profit to Rs 2,354 crore. Last year, this figure was Rs 2,076 crore.
Strong Control on Bad Loans
One of the big highlights of IDBI Bank’s Q1 results is the sharp improvement in asset quality. Gross NPAs dropped to 2.93% from 3.87% last year. Net NPAs were also down to 0.21%, compared to 0.23% in Q1 of FY25.
The Provision Coverage Ratio (PCR) stayed strong at 99.31%. This shows the bank is well-prepared for future loan defaults.
Also Read Eternal Shares Up 7.5% Despite 90% Drop in Q1 Profit
Loans, Returns, and Capital All Up
Net advances by the bank grew by 9%. They touched Rs 2,11,907 crore as of June 30, 2025, compared to Rs 1,94,026 crore last year.
Return on Assets (ROA) improved to 2.01%. It was 1.83% in Q1 FY25. That means the bank is using its assets better to make profit.
The capital adequacy ratio—a key safety number for banks—rose to 25.39% from 22.42%. That’s a strong buffer and a big vote of confidence.
LIC Still in Control
IDBI Bank is still majority-owned by Life Insurance Corporation (LIC), a public sector insurer. LIC’s support continues to help the bank stay stable and grow steadily.
In short, IDBI Bank has kicked off FY26 on a high note. Even with a small drop in NII, the profit growth, clean loan book, and solid capital strength show that the bank is on the right track. With LIC backing and better numbers, IDBI looks set for a strong year ahead.
Also Read Ryanair Doubles Q1 Profit to €820M on Easter Boost, Higher Fares
