IDFC First Bank Reports 14.51% Rise in Operating Income but 59.61% Fall in Net Profit for March 2025 Quarter
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IDFC First Bank has announced its financial results for the quarter and year ended March 2025. The results show a mixed picture with strong growth in operating income but a significant drop in net profit.
Financial Results for the Quarter Ended March 2025
During the quarter ended March 2025, Total Operating Income rose by 14.51% to ₹9,412.94 crore, compared to ₹8,220.48 crore in the same quarter of the previous year (March 2024). This increase reflects the bank’s ability to generate more revenue from its core operations.
However, despite the rise in income, the bank’s Net Profit fell sharply. Net profit for the March 2025 quarter dropped by 59.61% to ₹295.60 crore, down from ₹731.90 crore in the March 2024 quarter. This decline in profit could be due to higher expenses, provisions, or other operational factors.
Key Financial Highlights (Quarterly)
| Particulars | Mar 2025 | Mar 2024 | % Change |
|---|---|---|---|
| Total Operating Income | ₹9,412.94 crore | ₹8,220.48 crore | +14.51% |
| Operating Profit Margin (OPM) % | 31.38% | 37.18% | – |
| Profit Before Depreciation and Tax (PBDT) | ₹344.32 crore | ₹948.38 crore | -63.70% |
| Profit Before Tax (PBT) | ₹344.32 crore | ₹948.38 crore | -63.70% |
| Net Profit (NP) | ₹295.60 crore | ₹731.90 crore | -59.61% |
Financial Results for the Full Year Ended March 2025
For the full financial year 2024-25, the bank’s performance followed a similar trend. Total Operating Income for the year jumped 20.37% to ₹36,501.64 crore, compared to ₹30,325.11 crore during the previous financial year.
Despite the rise in income, the bank’s Net Profit for the entire year fell by 49.35% to ₹1,490.35 crore, down from ₹2,942.35 crore in the year ended March 2024.
Key Financial Highlights (Yearly)
| Particulars | Mar 2025 | Mar 2024 | % Change |
|---|---|---|---|
| Total Operating Income | ₹36,501.64 crore | ₹30,325.11 crore | +20.37% |
| Operating Profit Margin (OPM) % | 33.14% | 38.90% | – |
| Profit Before Depreciation and Tax (PBDT) | ₹1,864.17 crore | ₹3,857.16 crore | -51.67% |
| Profit Before Tax (PBT) | ₹1,864.17 crore | ₹3,857.16 crore | -51.67% |
| Net Profit (NP) | ₹1,490.35 crore | ₹2,942.35 crore | -49.35% |
Conclusion
IDFC First Bank managed to increase its revenue both quarterly and annually, showing strong business activity. However, despite earning more, the bank’s profits declined significantly, pointing to rising costs and possible financial challenges. Investors and market watchers will be keen to see how the bank addresses these profitability pressures in the coming quarters.
