Banks - Regional
Idfc First Bank Limited (idfcfirstb) Q1fy27 Results: Highest Ever PAT of ₹1,075 Crore, Up 132.4% Yoy
IDFC First Bank Limited (IDFCFIRSTB) reports its highest ever PAT of ₹1,075 crore in Q1FY27, up 132.4% YoY. Loans and deposits also see significant growth.
IDFC First Bank Limited (NSE: IDFCFIRSTB) today announced its unaudited financial results for the quarter ended June 30, 2026. The bank reported its highest ever quarterly Profit After Tax (PAT) of ₹1,075 crore in Q1 FY27, up 132.4% from ₹463 crore in Q1 FY26. This impressive growth is driven by a robust increase in loans and deposits, as well as improved asset quality.
Loans and Deposits Surge
The bank’s total customer business (loans + customer deposits) increased to ₹6,04,776 crore as of June 30, 2026, from ₹5,10,031 crore as of June 30, 2025, marking a YOY growth of 18.6%. On a QOQ basis, it grew by 5.2%. Loans and advances increased to ₹3,05,370 crore as of June 30, 2026 from ₹2,53,233 crore as of June 30, 2025, YOY growth of 20.6%. On a QOQ basis, it grew by 5.2%. Customer deposits increased to ₹2,99,405 crore as of June 30, 2026 from ₹2,56,799 crore as of June 30, 2025, YOY growth of 16.6%. On a QOQ basis, it grew by 5.3%.
Asset Quality Improvement
The bank’s gross NPA improved to 1.51% as of June 30, 2026 from 1.97% as of June 30, 2025, an improvement of 45 bps YOY. On a QOQ basis, it improved by 10 bps. Net NPA improved to 0.44% as of June 30, 2026 from 0.55% as of June 30, 2025, an improvement of 12 bps YOY. On a QOQ basis, it improved by 4 bps.
Commenting on the results, Mr. V Vaidyanathan, MD and CEO said, “At the core, we are building a high-quality banking institution with high governance standards. We are seeing strong business momentum. We are happy to share that our asset quality continues to improve with Gross NPA of 1.51% and net NPA of 0.44%. Our provisions as a % of loans continues to come down. During this quarter we got CGFMU claim of Rs 515 crores. We created a provision of Rs. 515 crore on a prudent basis towards any possible impact of monsoon or fuel prices volatility in the rest of the year. Finally, we believe the benefits of investments we have been making in building the bank have started playing out in operating leverage improving our PAT to Rs. 1,075 crore in Q1FY27. ROA crossed 1%.”
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of IDFC First Bank Limited
IDFC First Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
IDFC gains 20.2% over three months and trades near its 52-week highs. Industry-leading margins of 32.8% reflect exceptional pricing power and operational efficiency. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. The stock trades at 78% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. Revenue grows at 19.2% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of IDFC First Bank Limited.
Banks - Regional
Idfc First Bank Limited (idfcfirstb) Q2 FY27: PAT Up 196.5% Yoy at ₹ 1,045 Crore
IDFC First Bank Limited (IDFCFIRSTB) reports a 196.5% YoY surge in PAT to ₹ 1,045 crore for Q2 FY27.
IDFC First Bank Limited (IDFCFIRSTB) announced its unaudited financial results for the quarter and half year ended 30 September 2026. The Bank reported a Profit After Tax (PAT) of ₹1,045 crore in Q2 FY27, marking a robust 196.5% year-on-year growth. This impressive performance underscores the Bank’s strong financial health and operational efficiency.
Strong Deposit and Loan Growth
Total deposits grew 25.9% year-on-year and 11.8% quarter-on-quarter to reach ₹3,48,583 crore. Loans and advances, including credit substitutes and FCNR(B)-backed loans, grew 30.1% year-on-year to ₹3,46,913 crore. This growth highlights the Bank’s ability to attract and retain deposits while expanding its loan portfolio.
Operational Efficiency
Operating expenses (Opex) growth has remained lower than income growth by about 500 basis points year-on-year for consecutive quarters. The incremental cost-to-income ratio was 55% in H1 FY27. The core cost-to-income ratio (excluding trading gains) improved to 70.16% in Q2 FY27 from 70.73% in Q1 FY27. This operational efficiency contributes significantly to the Bank’s profitability.
As a result, core operating profit, excluding trading gains, grew 38.5% year-on-year to ₹2,527 crore in Q2 FY27. The Bank’s Return on Assets (ROA) stood at 0.93% in Q2 FY27, up from 0.99% in H1 FY27. These metrics reflect the Bank’s strong financial management and strategic initiatives.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of IDFC First Bank Limited
IDFC First Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
IDFC holds in the upper half of its 52-week range, a sign the market backs the stock. Thin margins at 9.1% leave limited room for error — any demand softness or cost spike hits the bottom line hard. Revenue consistency is the one bright spot — zero dips in five years shows operational resilience. The stock holds at 64% of its 52-week range with RSI at 37. In other words, neither side has a clear edge right now. Revenue grows at 19.6% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of IDFC First Bank Limited.
AUBANK
Au Small Finance Bank Limited Q2’fy27: Profit Up 53%, Deposits Grow 29%
AU Small Finance Bank Limited AUBANK Q2 FY27: Profit up 53%, deposits grow 29%, loans up 25%.
AU Small Finance Bank Limited (AUBANK) announced its Q2’FY27 and H1’FY27 financial results, showcasing a robust performance with a 53% year-on-year increase in profit and a 29% growth in deposits. The bank’s core pre-provision operating profit (PPoP) grew by 31% year-on-year to ₹1,480 crore in Q2’FY27.
Profitability Surge
The bank’s net interest margin (NIM) improved by 33 basis points year-on-year to 5.8% in Q2’FY27. The cost of funds declined by 43 basis points year-on-year to 6.41%. Net interest income (NII) grew by 32% year-on-year to ₹2,820 crore. The profit after tax (PAT) surged 53% year-on-year to ₹858 crore.
Balance Sheet Strength
Total deposits grew 28.6% year-on-year to ₹1,70,460 crore, with CASA deposits up 29% year-on-year to ₹50,289 crore. The gross loan portfolio grew 25.1% year-on-year to ₹1,53,769 crore, with gross advances up 27.9% year-on-year to ₹1,50,291 crore.
AU Small Finance Bank Limited continues to strengthen its leadership team and expand its customer base, aiming for sustained growth and innovation in the banking sector.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of AU Small Finance Bank Limited
AU Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
AU moves sideways over three months, with neither buyers nor sellers taking control. Industry-leading margins of 25.6% reflect exceptional pricing power and operational efficiency. Revenue grows at 30.4% and profits at 22.8% CAGR. Both numbers are exceptional. The stock holds at 57% of its 52-week range with RSI at 43. In other words, neither side has a clear edge right now. Revenue grows at 30.4% and profits at 22.8%. The business is in good shape. Moreover, a stock that does not move despite strong fundamentals often offers better value than one already priced for perfection. Check Fundamentals of AU Small Finance Bank Limited.
Banks - Regional
Kotak Mahindra Bank Limited (kotakbank) Q2fy27: Standalone PAT Up 29% Yoy
Kotak Mahindra Bank Limited (KOTAKBANK) reports a 29% YoY increase in standalone PAT for Q2FY27.
Kotak Mahindra Bank Limited (NSE: KOTAKBANK) announced its unaudited standalone and consolidated results for the quarter and half-year ended September 30, 2026. The Bank’s standalone PAT for Q2FY27 increased to ₹ 4,212 crore, up 29% year-on-year from ₹ 3,253 crore in Q2FY26. Moreover, consolidated PAT for Q2FY27 stood at ₹ 5,645 crore, up 26% year-on-year from ₹ 4,468 crore in Q2FY26.
Standalone Results
During the quarter, the Bank mobilised FCNR(B) deposits aggregating to ~₹ 55,344 crore and provided loans aggregating to ~₹ 16,110 crore through its international branches. Net Interest Income (NII) for Q2FY27 increased to ₹ 8,459 crore, up 16% year-on-year from ₹ 7,311 crore in Q2FY26. Fees and services for Q2FY27 increased to ₹ 2,926 crore, up 21% year-on-year from ₹ 2,415 crore in Q2FY26. Operating profit for Q2FY27 increased to ₹ 6,382 crore, up 21% year-on-year from ₹ 5,268 crore in Q2FY26.
Consolidated Results
Consolidated Customer Assets which comprise Advances (incl. IBPC & BRDS) and Credit Substitutes grew to ₹ 699,250 crore as at September 30, 2026, up 21% year-on-year from ₹ 576,339 crore as at September 30, 2025. Consolidated Customer Assets Under Management as at September 30, 2026 grew to ₹ 814,118 crore, up 8% year-on-year from ₹ 756,964 crore as at September 30, 2025. The total Domestic MF AUM increased by 10% year-on-year to ₹ 615,679 crore as at September 30, 2026.
Looking ahead, Kotak Mahindra Bank Limited continues to focus on sustainable growth and operational efficiency.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Kotak Mahindra Bank Limited
Kotak Mahindra Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
Kotak moves sideways over three months, with neither buyers nor sellers taking control. Industry-leading margins of 28.5% reflect exceptional pricing power and operational efficiency. The PEG of 2.21 is on the high side. However, it is acceptable for a quality compounder with a strong moat. The stock holds at 34% of its 52-week range with RSI at 47. In other words, neither side has a clear edge right now. Revenue grows at 13.5% and profits at 8.9% CAGR — a genuinely strong business. Nevertheless, the stock drops 0.0% in three months. The market sells the stock, not the story. Watch whether that changes at the next earnings. Check Fundamentals of Kotak Mahindra Bank Limited.
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