IDBI Bank Q2 FY27 Net Profit at Rs. 2,205.45 Crore, Gross NPAs at 2.30%
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 17 Oct 2026, 02:42 PM IST · BSE ID: 045d7744-de19-495b-87d7-4d2f8459a23e
View Original BSE Filing (PDF)
💡
In Simple Terms
IDBI Bank shared its latest financial results, showing an increase in profit and an improvement in bad loans.
🤖 AI Summary
- IDBI Bank's Net Profit for Q2 FY27 reached Rs. 2,205.45 Crore.
- Gross Non-Performing Assets (NPAs) to Gross Advances decreased to 2.30% as of September 30, 2026.
- Net Interest Margin (Annualised) stood at 3.71% for the quarter ended September 30, 2026.
- Interest Earned for Q2 FY27 was Rs. 8,512.14 Crore, up from Rs. 7,101.23 Crore in Q2 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit from Ordinary Activities after tax (Q2 FY27)
Rs. 2,205.45 Crore
Net Profit from Ordinary Activities after tax (Q2 FY26)
Rs. 2,115.18 Crore
4.27%
Interest earned (Q2 FY27)
Rs. 8,512.14 Crore
Interest earned (Q2 FY26)
Rs. 7,101.23 Crore
19.87%
Gross NPAs to Gross Advances (Q2 FY27)
2.30 %
Gross NPAs to Gross Advances (Q2 FY26)
2.65 %
Net NPAs to Net Advances (Q2 FY27)
0.21 %
Net NPAs to Net Advances (Q2 FY26)
0.17 %
Net Interest Margin (Annualised) (Q2 FY27)
3.71 %
🏢 How This Affects the Company
The reduction in Gross NPAs and increase in Net Interest Margin indicates an improved quality of the loan book and enhanced core lending profitability, potentially strengthening market perception.
Net Profit increased to Rs. 2,205.45 Crore in Q2 FY27, compared to Rs. 2,115.18 Crore in Q1 FY27, improving overall earnings. Provisions (other than tax) and Contingencies (Net) were Rs. 8.55 Crore for Q2 FY27, a significant decrease from (Rs. 636.87) Crore in Q2 FY26.
Lower NPA ratios suggest more effective credit risk management and recovery processes, which streamlines banking operations and reduces the burden of managing stressed assets.
The decline in both Gross and Net NPA ratios reduces credit risk exposure for the bank, contributing to a more stable asset base. Lower net provisions against contingencies also indicate reduced financial risk.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results disclosure.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, as reported by the increased net profit and improved asset quality metrics.
🔍
Management Signal
The financial results indicate management's focus on improving asset quality and maintaining profitability through reduced provisions and higher interest income.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — observe trends in Net Profit and asset quality.
Any updates on further NPA reductions or recovery efforts.
Guidance or statements on future credit growth and interest margins.
LOW RISK
The filing indicates an improvement in asset quality with reduced gross NPAs and increased profitability.
💡 Investor Takeaway
IDBI Bank reported Q2 FY27 net profit of Rs. 2,205.45 Crore, an increase from Rs. 2,115.18 Crore in Q2 FY26. Gross NPAs declined to 2.30% from 2.65% YoY, alongside Net Interest Margin of 3.71%.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit from Ordinary Activities after tax increased to Rs. 2,205.45 Crore in Q2 FY27 from Rs. 2,115.18 Crore in Q2 FY26.
- Gross NPAs to Gross Advances reduced to 2.30% in Q2 FY27, a decrease from 2.65% in Q2 FY26.
⚠️ Concerns
- Not comparable — limited prior period data for Return on Assets (Annualised) due to the incorporation date of the bank being outside 12 months for direct YoY comparison.
- Cash & Cash Equivalents at the end of H1 FY27 (Rs. 61,653.02 Crore) were lower than at the end of H1 FY26 (Rs. 63,197.03 Crore).
📅 Company Track Record
IDBI Bank previously reported a Q1 FY27 net profit increase of 5% YoY to Rs. 2,115 Crore with improved asset quality in a filing on July 18, 2026. This Q2 FY27 filing confirms a continued positive trend in net profit and asset quality metrics.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was IDBI Bank's Net Profit in Q2 FY27?
IDBI Bank reported a Net Profit from Ordinary Activities after tax of Rs. 2,205.45 Crore for the quarter ended September 30, 2026.
How did IDBI Bank's Gross NPAs perform in Q2 FY27?
The percentage of Gross Non-Performing Assets to Gross Advances for IDBI Bank stood at 2.30% as of September 30, 2026.
What was IDBI Bank's Net Interest Margin (Annualised) in Q2 FY27?
IDBI Bank's Net Interest Margin (Annualised) for the quarter ended September 30, 2026, was 3.71%.
What was IDBI Bank's Interest earned in Q2 FY27?
IDBI Bank's Interest earned for the quarter ended September 30, 2026, was Rs. 8,512.14 Crore.
What were the provisions for Non-performing Assets for IDBI Bank in Q2 FY27?
Provisions for Non-performing Assets (Net of reversals) were (Rs. 853.62) Crore for IDBI Bank in the quarter ended September 30, 2026.
Questions based on this BSE filing only. For information purposes.