IDBI Bank Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Retail Banking: 57.9% • Treasury: 26.6% • Corporate Banking: 14.5%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 47.6% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 26.6%
- Strong return ratios for a lender: 3Y avg ROE 16.0%, ROA 1.9%
- Solid return on assets for a lender - ROA of 2.2%
- Strong provisioning - provision coverage ratio of 99.3%
- Healthy loan book growth of 16.1% with stable asset quality
CONS
- A large part of profit comes from other income (56.6% of PBT)
- Operating margins have contracted to 37.4% from 42.5%
- Company has delivered a poor sales growth of 7.8% over past five years
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Growth is decelerating - 3Y profit CAGR (37.7%) trails the 5Y trend (47.6%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | 694.00 | 13.54 | 1069744.03 | 2.23 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| ICICIBANK | 1384.00 | 17.71 | 993414.93 | 0.87 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| KOTAKBANK | 416.95 | 20.44 | 414767.52 | 0.16 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| AXISBANK | 1260.00 | 14.12 | 392291.69 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| IDBI | 81.60 | 9.42 | 87739.60 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| FEDERALBNK | 347.00 | 18.32 | 85792.15 | 0.35 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| AUBANK | 1065.00 | 43.86 | 79980.41 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| INDUSINDBK | 995.00 | 58.63 | 77524.48 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| IDFCFIRSTB | 86.70 | 32.43 | 74750.22 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| YESBANK | 22.24 | 18.49 | 69807.90 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| RBLBANK | 409.40 | 70.62 | 63495.46 | 0.24 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| KARURVYSYA | 335.40 | 11.81 | 32423.57 | 0.78 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6,860 | 6,035 | 6,541 | 6,990 | 6,666 | 7,442 | 7,816 | 6,979 | 7,021 | 7,104 | 7,074 | 7,798 | 7,541 | |
| Interest Expended | 2,862 | 2,968 | 3,106 | 3,303 | 3,433 | 3,566 | 3,587 | 3,689 | 3,855 | 3,819 | 3,864 | 3,947 | 4,055 |
| Net Interest Income | 3,998 | 3,066 | 3,434 | 3,688 | 3,233 | 3,875 | 4,228 | 3,290 | 3,166 | 3,285 | 3,209 | 3,851 | 3,486 |
| 852 | 889 | 973 | 896 | 805 | 1,313 | 749 | 2,057 | 1,437 | 2,489 | 1,209 | 1,611 | 1,032 | |
| Total Income | 0 | 0 | 0 | 0 | 7,527 | 8,813 | 8,629 | 9,090 | 8,499 | 9,264 | 8,352 | 9,518 | 8,573 |
| Operating Expenses | 1,831 | 1,884 | 2,081 | 2,409 | 1,963 | 2,182 | 2,176 | 2,152 | 2,249 | 2,252 | 2,501 | 2,419 | 2,350 |
| Operating Profit | 3,019 | 2,072 | 2,327 | 2,175 | 2,076 | 3,006 | 2,802 | 3,195 | 2,354 | 3,523 | 1,917 | 3,043 | 2,168 |
| Provisions & Contingencies | 1,190 | -227 | 320 | 114 | -443 | 555 | 166 | 233 | -179 | -653 | -542 | 285 | -637 |
| Profit before Tax | 1,828 | 2,299 | 2,007 | 2,061 | 2,519 | 2,451 | 2,636 | 2,962 | 2,534 | 4,175 | 2,459 | 2,758 | 2,805 |
| Tax % | 33.04% | 42.44% | 27.33% | 21.00% | 31.75% | 25.08% | 27.62% | 30.74% | 20.77% | 13.13% | 21.29% | 29.55% | 24.58% |
| Net Profit | 1,224 | 1,323 | 1,458 | 1,628 | 1,719 | 1,836 | 1,908 | 2,051 | 2,007 | 3,627 | 1,935 | 1,943 | 2,115 |
| EPS | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26,426 | 28,902 | 28,997 | — | |
| Interest Expended | 22,040 | 17,386 | 16,166 | 13,847 | 11,414 | 9,129 | 9,139 | 12,240 | 14,276 | 15,486 | 15,686 |
| Net Interest Income | -22,040 | -17,386 | -16,166 | -13,847 | -11,414 | -9,129 | -9,139 | 14,186 | 14,626 | 13,512 | — |
| 4,008 | 7,014 | 3,300 | 4,470 | 4,559 | 4,690 | 4,372 | 3,611 | 4,924 | 6,746 | 6,341 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30,037 | 33,826 | 35,744 | 35,706 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8,205 | 8,472 | 9,420 | — | |
| Operating Profit | -22,040 | -17,386 | -16,166 | -13,847 | -11,414 | -9,129 | -9,139 | 9,592 | 11,079 | 10,838 | — |
| 13,099 | 20,450 | 25,565 | 13,015 | 4,217 | 3,514 | 1,865 | 1,397 | 510 | -1,089 | — | |
| Profit before Tax | -8,618 | -12,593 | -22,827 | -8,967 | 2,369 | 3,608 | 5,237 | 8,195 | 10,568 | 11,926 | 12,197 |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 0.00% | 31.25% | 28.89% | 20.23% | 21.12% |
| Net Profit | -5,158 | -8,238 | -15,116 | -12,887 | 1,359 | 2,439 | 3,645 | 5,634 | 7,515 | 9,513 | 9,621 |
| EPS | -25 | -34 | -30 | -14 | 1 | 2 | 3 | 5 | 7 | 9 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 0%
- 5 Years:
- 8%
- 3 Years:
- 12%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 48%
- 3 Years:
- 38%
STOCK PRICE CAGR
- 10 Years:
- 1%
- 5 Years:
- 17%
- 3 Years:
- 8%
- 1 Year:
- -10%
RETURN ON EQUITY
- 10 Years:
- -11%
- 5 Years:
- 13%
- 3 Years:
- 16%
- Last Year:
- 17%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 2,059 | 3,084 | 7,736 | 10,381 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 |
| 20,505 | 18,126 | 29,875 | 23,644 | 26,059 | 30,910 | 34,566 | 39,129 | 49,499 | 56,885 | |
| 2,68,538 | 2,47,932 | 2,27,372 | 2,22,424 | 2,30,852 | 2,33,134 | 2,55,490 | 2,77,657 | 3,10,212 | 3,47,163 | |
| 56,364 | 63,186 | 45,288 | 36,749 | 15,908 | 14,345 | 12,638 | 17,083 | 19,882 | 28,055 | |
| Other Liabilities & Provisions | 14,409 | 17,759 | 10,013 | 6,731 | 14,193 | 12,461 | 17,056 | 18,956 | 21,362 | 23,705 |
| Total Liabilities | 3,61,874 | 3,50,086 | 3,20,284 | 2,99,928 | 2,97,764 | 3,01,603 | 3,30,502 | 36 | 41 | 47 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 13,347 | 13,164 | 12,730 | 10,539 | 13,013 | 27,795 | 16,639 | 13,991 | 21,294 | 33,230 | |
| Balances with Banks & Money at Call | 19,337 | 20,522 | 8,503 | 19,892 | 22,209 | 7,915 | 12,542 | 11,942 | 23,122 | 23,607 |
| 92,934 | 91,606 | 93,073 | 81,780 | 81,023 | 82,988 | 99,690 | 1,14,934 | 1,17,468 | 1,28,011 | |
| 1,90,826 | 1,71,740 | 1,46,790 | 1,29,842 | 1,28,150 | 1,36,955 | 1,62,568 | 1,88,621 | 2,18,399 | 2,53,626 | |
| 6,811 | 6,271 | 7,765 | 7,644 | 7,359 | 9,542 | 9,281 | 9,413 | 12,103 | 9,670 | |
| 38,081 | 46,283 | 50,957 | 49,746 | 45,542 | 36,012 | 29,307 | 24,571 | 19,243 | 18,324 | |
| Total Assets | 3,61,874 | 3,50,086 | 3,20,284 | 2,99,928 | 2,97,764 | 3,01,603 | 3,30,502 | 36 | 41 | 47 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 7,635 | -12,585 | -34,191 | 190 | 10,218 | 5,008 | -2,397 | -1,188 | 25,795 | 16,752 | |
| Cash from Investing | -451 | 722 | 114 | -294 | -79 | -147 | -281 | -282 | -315 | 1,428 |
| Cash from Financing | 1,900 | 12,865 | 21,624 | 9,300 | -5,347 | -4,375 | -3,558 | -1,782 | -7,002 | -5,778 |
| 9,084 | 1,002 | -12,452 | 9,197 | 4,792 | 486 | -6,236 | -3,252 | 18,478 | 12,403 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | -25.05 | -26.71 | -19.54 | -12.41 | 1.26 | 2.27 | 3.39 | 5.24 | 6.99 | 8.85 |
| Book Value (₹) | 83.28 | 52.39 | 39.92 | 26.51 | 28.39 | 30.87 | 34.52 | 39.01 | 46.26 | 55.45 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 1.50 | 2.10 | 0.00 |
| PROFITABILITY | ||||||||||
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.31% | 3.85% | 3.08% |
| ROA % | -1.40% | -2.31% | -4.51% | -4.16% | 0.45% | 0.81% | 1.15% | 1.62% | 1.94% | 2.17% |
| ROE % | -26.28% | -49.47% | -64.27% | -44.13% | 4.68% | 7.66% | 10.37% | 14.25% | 16.39% | 17.40% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 46.10% | 43.33% | 46.50% | |
| ASSET QUALITY | ||||||||||
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 19.14% | 0.00% | 0.00% | 0.00% | 2.93% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.27% | 0.00% | 0.00% | 0.00% | 0.21% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 97.63% | 0.00% | 0.00% | 99.42% | 99.33% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | ||||||||||
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 50.43% | 46.55% | 44.59% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.08% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 22.26% | 25.05% | 26.65% | |
| GROWTH & VALUATION | ||||||||||
| Net Profit Growth % | -40.75% | -59.71% | -83.50% | 14.75% | 110.55% | 79.43% | 49.43% | 54.57% | 33.39% | 26.59% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.02% | 18.57% | 19.87% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 15.44x | 11.11x | 6.95x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.07x | 1.68x | 1.11x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.85% | 2.70% | 0.00% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - IDBI Bank Limited has informed the Exchange regarding 'Notice of Proposed Bank Strike'.
2026-09-09 - The Exchange has sought clarification from IDBI Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is attached.
2026-09-08 - The Exchange has sought clarification from IDBI Bank Limited with respect to recent news item captioned Fairfax plans IIFL Finance exit to fund IDBI Bank bid. The response from the Company is awaited.
2026-08-31 - IDBI Bank Limited has informed the Exchange about Change in Senior Management Personnel
2026-08-29 - IDBI Bank Limited has informed the Exchange about Credit Rating
2026-08-28 - IDBI Bank Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-27 - IDBI Bank Limited has informed the Exchange about Credit Rating
2026-08-25 - Significant increase in volume has been observed in IDBI Bank Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, had written to the company. IDBI Bank Limited has submitted their response.
2026-08-24 - Significant increase in volume has been observed in IDBI Bank Limited. The Exchange, in order to ensure that investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, has written to the company. The response from the company is awaited.
News
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