Whalesbook: AI-Powered Stock Updates via WhatsApp

Stock Analysis

Description

IDBI Bank Limited is a commercial bank providing a range of banking and financial services.

Key Growth Triggers

Positive Q2 FY26 Net Profit surge of 97.5% YoY to ₹3,627.36 Cr, driven by NSDL stake sale gain.
Favorable credit rating affirmations from CRISIL, CARE, ICRA, and India Ratings, citing improved asset quality and capitalization.
Provisional Q3 FY26 business update indicated 12% YoY growth in total business and 15% YoY in net advances.
Received an ESG rating of '87' for FY25.

Order Book

Currently no data available for Order Book.

Key Red Flags

Reported NIM compression by rating agencies.
India Ratings mentioned an unresolved home loan business issue.
Received a strike notice from employee unions for August 11, 2025.
Incurred a regulatory penalty of ₹1.70 crore from UP tax authorities.

Key Dates To Watch

Special window for shareholders to resolve physical share transfer requests: July 7, 2025, to January 6, 2026.

Corporate Announcements

2nd Apr 26

Impact Rating: 5

IDBI Bank's registrar, KFin Technologies, has confirmed to BSE and NSE the submission of dematerialized/rematerialized securities data for the quarter ended March 31, 2026, adhering to SEBI regulations.

25th Mar 26

Impact Rating: 5

IDBI Bank has announced the closure of its trading window for dealing in the bank's securities. The window will be shut for designated persons from April 1, 2026, and will reopen 48 hours after the disclosure of audited financial results for the quarter and year ending March 31, 2026.

20th Mar 26

Impact Rating: 8

IDBI Bank received a ₹5.50 crore penalty from the Income Tax Department relating to FY 2020-21. The penalty stems from sustained additions by the Assessing Officer. The bank is assessing legal remedies.

16th Mar 26

Impact Rating: 9

IDBI Bank has clarified to exchanges that the proposed strategic disinvestment is a confidential Government of India process. The bank cannot confirm or deny market reports regarding its potential scrapping.

24th Feb 26

Impact Rating: -

No description available.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	HDFC Bank	931.55	19.80	1433150.38	1.19	20363.77	10.01	86993.84	4.81	7.51	346185.22	42.61	72360.07	19610.67	2.63	1.74	6.30
2.	ICICI Bank	1416.25	19.05	1012927.66	0.78	14318.15	3.16	48180.91	4.00	7.87	192684.91	28.30	53300.25	13357.06	3.02	2.18	5.58
3.	Kotak Mah. Bank	420.50	22.51	418208.01	0.12	4468.27	-11.42	17198.74	4.70	8.17	67852.12	27.80	18574.23	4468.27	2.52	2.68	3.62
4.	Axis Bank	1294.60	15.44	402013.19	0.08	5566.56	-25.31	32309.77	2.24	7.11	129272.60	59.67	25988.99	5527.85	2.04	1.78	7.28
5.	IDBI Bank	104.65	11.59	112523.90	1.98	3627.36	97.52	7104.23	-4.54	6.76	28919.44	70.97	9594.17	3627.36	1.70	1.94	4.87
6.	IndusInd Bank	951.10	–	74097.89	0.00	-436.88	-132.82	11608.63	-8.49	6.47	47307.12	46.88	-759.35	-436.88	1.13	0.48	6.70
7.	Yes Bank	23.36	25.84	73301.28	0.00	664.31	17.25	7388.75	-4.50	6.36	30449.57	59.65	2836.87	664.31	1.48	0.59	7.29
–	Median: 20 Co.	267.38	15.44	24439.57	0.72	361.06	7.11	4430.65	4.75	6.95	17851.24	59.66	1413.43	361.06	1.41	1.35	7.29

Quarterly Results

Standalone figures in ₹ crores

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	2,388	2,515	3,126	3,021	1,657	2,401	2,523	1,519	2,737	2,341	2,385	2,069	1,599
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	1,087	857	1,288	852	889	973	896	805	1,313	749	2,057	1,437	2,489
Profit before tax	1,437	1,267	1,441	1,828	2,299	2,007	2,061	2,519	2,451	2,636	2,962	2,534	4,175
Tax %	42%	27%	21%	33%	42%	27%	21%	32%	25%	28%	31%	21%	13%
Net Profit	828	927	1,133	1,224	1,323	1,458	1,628	1,719	1,836	1,908	2,051	2,007	3,627
EPS in Rs	0.77	0.86	1.05	1.14	1.23	1.36	1.51	1.60	1.71	1.77	1.91	1.87	3.37

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	7,146	8,331	14,256	18,019	24,874	31,667	20,025	10,320	9,831	10,071	9,066	8,451	8,394
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	2,979	4,008	3,411	4,008	7,014	3,300	4,470	4,559	4,690	4,372	3,611	4,924	6,732
Interest	20,576	22,406	21,954	22,040	17,386	16,166	13,847	11,414	9,129	9,139	12,240	14,276	14,951
Depreciation	113	137	214	359	373	366	391	393	413	494	536	531	0
Profit before tax	1,741	1,287	-4,971	-8,618	-12,593	-22,827	-8,967	2,369	3,608	5,237	8,195	10,568	12,307
Net Profit	1,121	873	-3,665	-5,158	-8,238	-15,116	-12,887	1,359	2,439	3,645	5,634	7,515	9,594
EPS in Rs	6.99	5.45	-17.80	-25.05	-26.71	-19.54	-12.41	1.26	2.27	3.39	5.24	6.99	8.92
Dividend Payout %	14%	14%	0%	0%	0%	0%	0%	0%	0%	30%	29%	30%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1,604	1,604	2,059	2,059	3,084	7,736	10,381	10,752	10,752	10,752	10,752	10,752	10,752
Reserves	22,035	22,713	25,663	20,505	18,126	29,875	23,644	26,059	30,910	34,566	39,129	49,499	56,527
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	9,429	10,158	11,357	14,409	17,759	10,013	6,731	14,193	12,461	17,056	18,956	21,234	20,838
Total Liabilities	328,988	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,661	415,868
Fixed Assets	2,963	3,011	7,023	6,809	6,269	7,763	7,642	7,357	9,540	9,279	9,413	12,103	12,016
Gross Block	4,821.78	5,053.83	8,618.40	8,759.35	9,102.32	10,668.20	9,954.98	10,046.64	11,926.72	12,097.44	12,740.78	14,974.27	–
Accumulated Depreciation	1,858.72	2,042.53	1,595.27	1,950.41	2,833.23	2,904.83	2,312.83	2,689.22	2,386.31	2,817.97	3,327.62	2,871.50	–
CWIP	20	49	424	540	502	468	487	470	396	477	107	78	0
Investments	103,774	97,701	92,997	92,934	91,606	93,073	81,780	81,023	82,988	99,690	114,934	117,468	122,766
Other Assets	222,232	255,383	274,945	261,591	251,709	218,981	210,018	208,914	208,678	221,056	239,124	282,013	281,087
Total Assets	328,988	356,144	375,390	361,874	350,086	320,284	299,928	297,764	301,603	330,502	363,578	411,661	415,868

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2,006	-1,977	-341	7,635	-12,221	-34,191	190	10,218	5,008	-2,397	-906	24,037
Cash from Investing Activity	-223	-264	-656	-451	358	114	-294	-79	-145	-270	-278	-310
Cash from Financing Activity	1,122	-51	2,935	1,900	12,865	21,624	9,300	-5,347	-4,375	-3,558	-2,064	-5,244
Net Cash Flow	-1,107	-2,292	1,938	9,084	1,002	-12,452	9,197	4,792	488	-6,225	-3,248	18,483

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%	94.72%
FIIs	0.06%	0.22%	0.30%	0.40%	0.32%	0.45%	0.46%	0.46%	0.42%	0.46%	0.54%	0.47%	0.52%
DIIs	0.17%	0.16%	0.16%	0.24%	0.15%	0.15%	0.16%	0.17%	0.18%	0.18%	0.15%	0.11%	0.12%
Public	5.06%	4.90%	4.84%	4.62%	4.80%	4.67%	4.65%	4.64%	4.69%	4.63%	4.59%	4.68%	4.65%