IDFC FIRST Bank Q3 Results: Profit Dhamaal, **48%** Badha! Par Kya Hai Risk?

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AuthorAarav Shah|Published at:
IDFC FIRST Bank Q3 Results: Profit Dhamaal, **48%** Badha! Par Kya Hai Risk?
Overview

Arre yaar, IDFC FIRST Bank ne Q3 mein toh kamaal hi kar diya! Inka standalone net profit seedha **48.1%** badh gaya hai, pahunch gaya **₹50,254 Lakhs** par. Total income bhi **12.7%** upar chali gayi, yani ki paisa kamane mein bank successful raha.

Bank ka profit kaise badha?

Is quarter mein company ne numbers ko kaafi improve kiya hai. Pata hai, pichle saal isi time par profit ₹33,943 Lakhs tha, aur ab yeh ₹50,254 Lakhs ho gaya hai. Yeh sab isliye hua kyunki bank ki total income 12.7% badh kar ₹12,54,199 Lakhs ho gayi. Interest income 11.5% badhi aur other income mein bhi 19.4% ka jump dikha.

Operating profit bhi cool 15.6% upar gaya, jo ₹2,03,335 Lakhs tak pahunch gaya. Profit before tax toh lagbhag 50.8% uchhal gaya!

Asset Quality kaisi hai?

NPAs ka graph neeche aaya hai, Gross NPAs 1.69% ho gaye 1.94% se. Par Net NPAs thode se 0.53% ho gaye 0.52% se. Return on Assets bhi 0.51% ho gaya hai 0.41% se, matlab asset manage karna behtar ho raha hai.

Basic EPS bhi 23.9% badhkar ₹0.57 ho gaya hai.

Consolidated basis par bhi profit 40.7% badhkar ₹47,865 Lakhs ho gaya hai, aur basic EPS 17.4% badh kar ₹0.54 ho gaya.

Yeh Debt-Equity ratio ka kya chakkar hai?

Abhi ek cheez jo investors ko notice karni chahiye, woh hai Debt-Equity ratio. Yeh 0.34 ho gaya hai Q3 FY26 mein, jo pichle saal Q3 FY25 ke 0.21 se zyada hai. Matlab bank ne thoda zyada borrow kiya hai, lekin abhi bhi yeh manageable level par hai.

Ek ₹65.36 crore ka impact bhi hai Labour Codes ki wajah se.

Investor toh ab yahi dekhenge ki yeh profit growth continue hota hai ya nahi, asset quality control mein rehti hai, aur bank apne leverage ke saath kya karta hai. Jetpur Somnath Tollways Private Limited mein stake lena aur loans acquire karna bhi bade moves hain jin par nazar rahegi.

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