IDBI Bank Q3 results: PAT up 1.4% YoY to Rs 1,935 crore, NII down 24%

IDBI Bank on Saturday reported a 1.4% rise in December standalone net profit at Rs 1,935 crore, compared to Rs 1,908 crore reported in the year-ago period. However, profit after tax fell 47% on a sequential basis, compared to Rs 3,627 crore in the second quarter of FY26.The lender earned an interest income of Rs 7,073.55 crore in the quarter under review, down 9% from Rs 7,816 crore in the same period last year. It declined marginally by 0.4% from Rs 7,104 crore in Q2FY26.

IDBI Bank issued interest worth Rs 3,864.11 in Q3FY26, up 8% YoY and 1% QoQ. IDBI Bank’s net interest income (NII), the difference between interest earned and interest paid on deposits, stood at Rs 3,209 crore in Q3FY26, down 24% year-on-year.

Total revenue stood at Rs 5,46,643 crore, witnessing a year-on-year growth of 12%.

Total deposits stood at Rs 3,07,858 crore, growing 9% YoY, while net advances stood at Rs 2,38,786 crore, growing 15% YoY. On December 31, 2025, the composition of companies versus private individuals in the gross advance portfolio was 29:71.

Also read: HDFC Bank Q3 results: PAT jumps 11% YoY to Rs 18,654 crore, beats estimates

Asset quality

Gross NPA declined to 2.57%, down 100 basis points year-on-year, while net NPA stood at 0.18%. The Provision Coverage Ratio (PCR) was 99.33% on December 31, 2025, compared to 99.47% on December 31, 2024.

Capital position

Tier-1 capital improved to 23.53% as of December 31, 2025 from 19.91% as of December 31, 2024, while CRAR improved to 24.63% as of December 31, 2025 from 21.98% as of December 31, 2024.

Risk-weighted assets (RWA) stood at Rs 2,11,567 crore as on December 31, 2025, compared to Rs 1,87,678 crore as on December 31, 2024.

Also read: Yes Bank Q3 results: PAT rises 55% YoY to Rs 952 crore, NII rises 11%

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