IDFC First Bank
Mid/Small Private · NSE IDFCFIRSTB · Market cap ₹74,457
Latest FY FY2026
Loan growth
20.3%
Deposit growth
16.8%
NIM
6.0%
68th pctile
ROA
0.4%
ROE
3.7%
Gross NPA
1.5%
2th pctile
P/B
1.07x
30th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 20.3% | 17.7% | +2.6pp | — |
| Deposit growth | 16.8% | 13.4% | +3.4pp | — |
| CASA | 50.8% | 32.7% | +18.1pp | 84th |
| NIM | 6.0% | 3.6% | +2.4pp | 68th |
| ROA | 0.4% | 1.1% | -0.6pp | — |
| ROE | 3.7% | 12.4% | -8.7pp | — |
| Gross NPA | 1.5% | 1.9% | -0.4pp | 2th |
| Credit cost | 2.2% | 1.3% | +0.9pp | — |
| Cost/income | 70.7% | 55.1% | +15.6pp | — |
| CRAR | 15.1% | 18.9% | -3.8pp | — |
| P/B | 1.07x | 1.07x | 0.0pp | 30th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Cost of Borrowing at 5.96 — 9th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA at 1.51 — 2th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -23.4% YoY to 1.51 · abs(yoy)>=15%
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +6.3pp vs listed-bank aggregate (share 1.30%, +0.07pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +6.8pp vs listed-bank aggregate (share 1.16%, +0.07pp 1Y) · |bank growth - system proxy growth| >= 5pp