IDFC First Bank Q3 Results 2025 Out. Should you buy IDFC First Bank shares?

IDFC First Bank Q3 Results: IDFC First Bank Announced Q3Fy25 income on 25 January (Saturday), reported a sharp decline of 53 percent in standalone net profit 339.4 crore, dragged by increased provisions due to high loan slippery 715.7 crore in the same period last year.

Private sector lender was formed by merging Project Financer Infrastructure Development Finance Company (IDFC) and Capital First Banking Branch. The bank said that its advantage was affected by low income less than income to slow down the disbursements of micro-finance (MF) loans, increase microfinance provisions and generalization of credit costs of non-MF businesses.

IDFC First Bank Q3 Results: Key Matrix

IDFC First Bank’s net interest income (NII) – Difference between earned interest and payment – paid from 14.4 percent 4,902 crore compared to 4,286.6 crore in the year-old period. complete Income Got up to 11,123 crore from quarter 9,396 crore in the same period a year ago.

Gradually, net profit increased by 69 percent 201 crores in the quarter of September FY25. 9m-FY25 net profit decreased by 45.3 percent on the basis of year-on-year. Customer deposit Rs. Growed by 28.8 percent from. Up to Rs 1,76,481 crore till 31 December, 2023. 2,27,316 crore till 31 December, 2024.

Loan And advances (including credit options) increased by Rs 22 percent yoy from the rupee. Up to Rs 1,89,475 crore by 31 December, 2023. 2,31,074 crore till 31 December, 2024. The percentage of overall loan book as a microfinance portfolio decreased by 5.6 percent in Q2Fy25, 4.8 percent in the December quarter.

“Our bank keeps growing well on loans and deposits. Our customers are growing firmly at 29 percent YOY to reach the deposits. 2,27,316 crore, the CASA ratio stood at 48 percent. Loans and advances increased by 22 percent, which Rs. 2,31,074 crore, “IDFC First Bank MD and CEO V Vaidyanathan said.

IDFC First Bank Q3 Results: Should you buy, sell or keep stock?

MArchet Abhishek Pandya, an expert at the Stocksbox’s research analyst, said IDFC First Bank reported a demonstration in Q3Fy25, declining 53 percent in Pat. “This deficiency was mainly due to an increase in provisions of microfinance and generalization of credit costs in non-microphoise businesses. Additionally, the net interest margin experienced compression of 14 BPS on a QOQ basis, which was held responsible for this. Microfinance The growing ratio of sector and wholesa banking business, ”said Pandya.

However, despite these challenges, the credit growth was strong at 22 percent YOY, and IDFC FB has reduced its microfinance portfolio from 5.6 percent to 4.8 percent in Q2Fy25. “The NPA ratio has improved, and we will closely monitor the management comments about the property quality. In addition, IDFC FB operational income was seen to be strong, which is inspired by investment income, and the money management business continues, ”according to Pandya.

“overall, IDFC First BankThe performance gave a silent quarterly performance and was largely affected by the microfinance segment. A major monitoring MFI will be a management strategy related to the loan portfolio and margin stability, ”he said.

Technical view

Mahesh M Ojha, according to AVP – Research in Hansx Securities, “IDFC First Bank has brought weak Q3 resultsAnd banking stock may see some sales pressure on Monday. I would suggest a purchase-on-Deep strategy to investors who are ready to buy IDFC First Bank shares. They can buy stock 60 61.50 range for immediate target 64. On violation above 64 Depending on a closing, stock can go up 68 piece mark. ,

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