IDBI Bank Limited has announced its un-audited financial results for the quarter and nine months ended December 31, 2025. The Board of Directors met in Mumbai on January 17, 2026, to approve these results.

For the third quarter of FY2026, the bank reported a Net Profit of ₹1,935 crore, a marginal improvement from ₹1,908 crore in the corresponding quarter of the previous fiscal year. The Return on Assets (ROA) stood at 1.83% for Q3-FY2026, compared to 1.99% in Q3-FY2025. The Cost of Deposit remained stable at 4.62%, while the Cost of Funds improved to 4.74% from 4.82% year-on-year. Return on Equity (ROE) was recorded at 14.49% in Q3-FY2026.

Operating performance highlights for Q3-FY2026 include an Operating Profit of ₹1,917 crore. Total Business reached ₹5,46,643 crore, marking a year-on-year growth of 12%. Total Deposits grew by 9% YoY to ₹3,07,858 crore, while Net Advances increased by 15% YoY to ₹2,38,786 crore. The bank's Capital Adequacy Ratio (CRAR) stood at 24.63%, showing a significant increase of 265 basis points year-on-year. Gross Non-Performing Assets (NPA) improved to 2.57%, a reduction of 100 basis points YoY, with Net NPA at 0.18%. The Provision Coverage Ratio (PCR) was strong at 99.33%.

In terms of business growth, total deposits increased to ₹3,07,858 crore as of December 31, 2025, from ₹2,82,439 crore as of December 31, 2024. CASA stood at ₹1,35,632 crore, with a CASA ratio of 44.06%. Net advances grew to ₹2,38,786 crore from ₹2,06,807 crore over the same period. The Gross NPA ratio improved to 2.57% from 3.57% year-on-year. The bank's Tier-1 Capital improved to 23.53% and CRAR to 24.63% as of December 31, 2025.

IDBI Bank also received recognition as the ‘Best Private Sector Bank - Highest Throughput & Digital Adoption’ by M1 Xchange and the ET BFSI Exceller 2025 Award for Excellence in Security and Fraud Risk Management.