INTEGRATED FILING — BANKING



General information about company

Scrip code 539437
NSE Symbol IDFCFIRSTB
MSEI Symbol NOTLISTED
ISIN INE092T01019
Name of bank IDFC FIRST BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 26-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 27-Mar-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 26-Apr-2025   10:00:00
End date and time of board meeting 26-Apr-2025   15:45:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 79712000000 308345200000
Income on investments 13945000000 53173900000
Interest on balances with reserve bank of India and other inter bank funds 282000000 1147000000
Others 190400000 2350300000
Total interest earned 94129400000 365016400000
2 Other income 18954800000 69766600000
3 Total income 113084200000 434783000000
Expenses
4 Interest expenses 45053300000 172078000000
5 Operating expenses
(i) Employees cost 17362600000 65018100000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 32720400000 123897900000
Total other operating Expenses 32720400000 123897900000
Total Operating Expenses 50083000000 188916000000
6 Total expenditure excluding provisions and contingencies 95136300000 360994000000
7 Operating profit before provision and contingencies 17947900000 73789000000
8 Provisions other than tax and contingencies 14504700000 55147300000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3443200000 18641700000
11 Provision for Tax 487200000 3738200000
12 Net profit (loss) from ordinary activities after tax 2956000000 14903500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2956000000 14903500000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 2956000000 14903500000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 73221100000 73221100000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 306849500000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0 0
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.4 2.04
Diluted earnings per share before extraordinary items 0.4 2.03
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.4 2.04
Diluted earnings per share after extraordinary items 0.4 2.03
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) For notes, please refer Board meeting outcome dated April 26, 2025, filed by the Bank in PDF with the stock exchange.


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 73221100000
Reserves and surplus 308336700000
Deposits 2520102300000
Borrowings 389837900000
Other liabilities and provisions 147589400000
Total Capital Liabilities 3439087400000
2 ASSETS
Cash and Balances with Reserve Bank of India 139854700000
Balances with Banks and money at call and short notice 11136100000
Investments 805052400000
Advances 2331125300000
Fixed Assets 27361600000
Other Assets 124557300000
Total Assets 3439087400000
Disclosure of notes on assets and liabilities Textual Information(1)


Text Block
Textual Information(1) For notes, please refer Board meeting outcome dated April 26, 2025, filed by the Bank in PDF with the stock exchange.


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 68498400000 260663000000
2 Wholesale Banking 25127300000 91688000000
3 Retail Banking 121817300000 473128800000
4 Other Banking Business 3400900000 10746700000
5 Unallocated 500000 1240100000
Total Segment Revenue 218844400000 837466600000
Less: Inter segment revenue 105760200000 402683600000
Income from operations 113084200000 434783000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 2675800000 6628200000
2 Wholesale Banking 2619200000 8994600000
3 Retail Banking -2537600000 1095200000
4 Other Banking Business 2145000000 6148700000
5 Unallocated -1459200000 -4225000000
Total Profit before tax 3443200000 18641700000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 3443200000 18641700000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 995956800000 995956800000
2 Wholesale Banking 441815400000 441815400000
3 Retail Banking 1974609900000 1974609900000
4 Other Banking Business 1081800000 1081800000
5 Unallocated 25623500000 25623500000
Total Segment Assets 3439087400000 3439087400000
Un-allocable Assets 0 0
Net Segment Assets 3439087400000 3439087400000
4 Segment Liabilities
Segment Liabilities
1 Treasury 331392800000 331392800000
2 Wholesale Banking 716849500000 716849500000
3 Retail Banking 2000310500000 2000310500000
4 Other Banking Business 467500000 467500000
5 Unallocated 8509300000 8509300000
Total Segment Liabilities 3057529600000 3057529600000
Un-allocable Liabilities 0 0
Net Segment Liabilities 3057529600000 3057529600000
Disclosure of notes on segments For notes, please refer Board meeting outcome dated April 26, 2025, filed by the Bank in PDF with the stock exchange.




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 9751900000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 55147200000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 924900000
Other adjustments for which cash effects are investing or financing cash flow -110300000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 65713700000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables -464560800000
Adjustments for decrease (increase) in other current assets -6728700000
Adjustments for increase (decrease) in trade payables 514400300000
Adjustments for increase (decrease) in other current liabilities 19197100000
Adjustments for provisions 0
Total adjustments for working capital 62307900000
Total adjustments for reconcile profit (loss) 128021600000
Net cash flows from (used in) operations 146663300000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 2012400000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 144650900000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 144650900000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 25916700000
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 333600000
Purchase of tangible assets 9194800000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -34777900000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -34777900000
5 Cash flows from used in financing activities
Proceeds from issuing shares 32786900000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 119519500000
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -86732600000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -86732600000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 23140400000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 49500000
Net increase (decrease) in cash and cash equivalents 23189900000
Cash and cash equivalents cash flow statement at beginning of period 127800900000
Cash and cash equivalents cash flow statement at end of period 150990800000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s Kalyaniwalla & Mistry LLP Yes 31-Jul-2027
2 M/s M P Chitale & Co Yes 31-Jul-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date