IDFC First Bank Reports Mixed Financial Results Amid Growth and Rising NPAs in June 2025

IDFC First Bank has recently reported its financial results for the quarter ending June 2025, revealing a mix of positive and challenging trends. The bank's net interest income reached a record high of Rs 4,933.08 crore, marking consistent growth over the last five quarters. Additionally, the operating cash flow has also shown strong performance, with an annual figure of Rs 14,394.54 crore, reflecting the bank's ability to generate cash from its core operations.
On the profitability front, the profit after tax (PAT) for the quarter stood at Rs 462.57 crore, indicating a notable increase compared to the average of the previous four quarters. Furthermore, the bank has increased its dividend per share to Rs 0.25, alongside a higher dividend payout ratio of 12.00%, suggesting a commitment to returning value to shareholders.

However, the results also highlight some areas of concern. The profit before tax less other income (PBT) has shown a significant decline, and the gross non-performing assets (NPA) have reached 1.97%, indicating a rise in stressed loans. Additionally, the credit deposit ratio has fallen to 91.96%, suggesting a decrease in the bank's lending activities relative to its deposits.

Overall, IDFC First Bank has experienced evaluation changes in its financial metrics, reflecting a complex landscape of growth and challenges.

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