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Company Filings, Explained Simply

AI-powered plain-English analysis of every important corporate announcement — financial results, order wins, dividends, mergers and more. Updated live.

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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
IDFC First Bank Ltd

IDFC FIRST Bank Q2 FY27 Net Profit Rs. 1,04,460 lakhs; Gross NPA 1.32%

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 24 Oct 2026, 05:08 PM IST  ·  BSE ID: e016eccc-352b-41b5-9ce8-c27833cd411a
View Original BSE Filing (PDF)
💡
In Simple Terms
IDFC FIRST Bank reported a net profit of Rs. 1,04,460 lakhs and a reduction in bad loans to 1.32% for the quarter.
🤖 AI Summary
  • IDFC FIRST Bank recorded a Net Profit After Tax of Rs. 1,04,460 lakhs for the quarter ended September 30, 2026.
  • Gross Non-Performing Assets (NPAs) decreased to 1.32% as of September 30, 2026, from 1.51% as of June 30, 2026.
  • Interest Earned for Q2 FY27 was Rs. 11,92,175 lakhs, with Total Income reaching Rs. 14,21,778 lakhs.
  • Capital adequacy ratio (Basel III) stood at 14.67% as of September 30, 2026.
  • Retail Banking segment revenue was Rs. 15,82,105 lakhs for the quarter ended September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit/ (Loss) for the period (Q2 FY27)
1,04,460 lakhs
196.53%
Gross NPAs to gross advances (Q2 FY27)
1.32%
Net NPAs to net advances (Q2 FY27)
0.40%
Interest Earned (Q2 FY27)
11,92,175 lakhs
19.98%
Total Income (Q2 FY27)
14,21,778 lakhs
20.20%
Capital adequacy ratio (Basel III)
14.67%
Basic Earnings per share (Q2 FY27)
1.21
236.11%
Return on assets (annualised) (Q2 FY27)
0.93%
🏢 How This Affects the Company
📈
Business Impact
The bank's retail banking segment continues to be a primary revenue driver, contributing Rs. 15,82,105 lakhs to total segment revenue for the quarter.
💰
Financial Impact
Net Profit After Tax increased to Rs. 1,04,460 lakhs in Q2 FY27. The reduction in Gross NPAs to 1.32% and Net NPAs to 0.40% improves asset quality metrics. Capital adequacy ratio of 14.67% indicates financial stability.
⚙️
Operational Impact
Lower NPA ratios suggest improved credit underwriting and collection efficiencies within the bank's operations.
⚠️
Risk Impact
The reduction in both gross and net NPA ratios indicates a decrease in credit risk exposure for the bank.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, specifically the reported Net Profit of Rs. 1,04,460 lakhs and EPS of Rs. 1.21 for Q2 FY27.
🔍
Management Signal
The financial results indicate management's focus on improving asset quality and driving profitability, evident from the reduction in NPA ratios and increased net profit.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — review net profit and NPA trends.
Investor presentation post Q2 FY27 results — for further operational details.
Regulatory updates from RBI — monitor any impact on banking sector.
LOW RISK The financial results show improving asset quality and strong profitability growth, reducing immediate financial risks.
💡 Investor Takeaway
IDFC FIRST Bank reported a Net Profit After Tax of Rs. 1,04,460 lakhs for Q2 FY27, up from Rs. 35,231 lakhs in Q2 FY26. Gross NPA ratio improved to 1.32% from 1.86% in the year-ago period.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit After Tax for Q2 FY27 increased to Rs. 1,04,460 lakhs, up from Rs. 35,231 lakhs in Q2 FY26.
  • Gross NPA to gross advances decreased significantly to 1.32% as of September 30, 2026, from 1.86% a year ago.

⚠️ Concerns

  • Net Profit After Tax for Q2 FY27 of Rs. 1,04,460 lakhs is slightly lower than the Rs. 1,07,496 lakhs reported in Q1 FY27.
  • Return on assets (annualised) at 0.93% for Q2 FY27 is lower than 1.05% reported in the previous quarter.
📅 Company Track Record
In Q1 FY27, IDFC FIRST Bank reported a Net Profit of Rs. 1,07,496 lakhs, with Gross NPA at 1.51%. The current Q2 FY27 net profit is Rs. 1,04,460 lakhs, indicating a slight quarter-on-quarter moderation but substantial year-on-year growth and continued improvement in NPA metrics from Q1 FY27.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was IDFC FIRST Bank's Net Profit After Tax for Q2 FY27?
IDFC FIRST Bank reported a Net Profit After Tax of Rs. 1,04,460 lakhs for the quarter ended September 30, 2026.
How did IDFC FIRST Bank's Gross NPA ratio change in Q2 FY27?
The Gross NPA to gross advances for IDFC FIRST Bank decreased to 1.32% as of September 30, 2026, from 1.86% in the same quarter last year.
What was IDFC FIRST Bank's Interest Earned in Q2 FY27?
IDFC FIRST Bank's Interest Earned for the quarter ended September 30, 2026, was Rs. 11,92,175 lakhs.
What is the Capital Adequacy Ratio (Basel III) for IDFC FIRST Bank as of September 30, 2026?
The Capital Adequacy Ratio (Basel III) for IDFC FIRST Bank stood at 14.67% as of September 30, 2026.
What was the Basic Earnings Per Share (EPS) for IDFC FIRST Bank in Q2 FY27?
IDFC FIRST Bank's Basic Earnings Per Share (EPS) for the quarter ended September 30, 2026, was Rs. 1.21.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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