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IDBI Bank
SectorBanks
IDBI Bank Limited is an Indian commercial bank offering retail and corporate banking services. It operates through a network of branches, ATMs, and e-lounges across India, with one overseas branch in Dubai. The bank's main segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. IDBI Bank provides a range of financial products and services including deposits, loans, investment products, foreign exchange, and digital banking solutions. Originally established as a development financial institution, it was later transformed into a full-service commercial bank. In recent years, Life Insurance Corporation of India (LIC) acquired a majority stake, leading to IDBI Bank being categorized as a private sector bank by the Reserve Bank of India. The bank continues to expand its retail presence and digital offerings while working on improving its financial performance.
In the news
EAS Sarma urges President review of IDBI Bank disinvestment
IDBI Bank Q2 FY27: Profit Drop, NIM Surge, and Fairfax's Big Bet
IDBI Bank Q2 profit drops 39% YoY to ₹2,205 cr on weak non-interest income
Fairfax completes $5.6B IDBI Bank acquisition with no investment bankers
Nilesh Shah cites Hindustan Zinc as PSU divestment model
IDBI Bank employees plan 2-day hunger strike after ₹52,878-cr Fairfax deal
Fairfax's IDBI Bank Gamble: India's Biggest Banking FDI
IDBI Bank privatisation: Fairfax faces asset quality challenges post ₹52,878 crore deal
Financial services deals surge 129% to $7.3bn in Q3 2026
IDBI Bank Sale Process Advances as Govt Evaluates Bids from Fairfax, Emirates NBD
IDBI Bank Stake Sale Faces Officer Opposition Over Valuation
IDBI Bank Privatisation: Profitability, Sovereignty, and the Battle for Control
IDBI Bank extends rally to 5th day, surges 6% on huge volume
India grants Fairfax 2 years to consolidate bank holdings
AIBOA opposes IDBI Bank divestment, cites assurance breach
SEBI Clarifies Off-Market Share Sales to 200 Buyers
IDBI Bank Divestment Faces Legal Challenges, Employee Opposition
IDBI Bank Shares Jump 3% After Fairfax Deal Clarification
Fairfax finalizes $5.5B IDBI Bank deal, purchases ₹5,000 crore bonds
India's Banking Crisis: The Dangerous Gap Between Loans and Deposits
The Quarter story
The two most recent quarterly results, compared side-by-side.
IDBI Bank strengthens capital buffers and asset quality while navigating volatile earnings and rising cost pressures.
CET1+CCB ratio rises from 23.71% in Q1 FY26 to 26.38% in Q1 FY27, strengthening the capital buffer
Earnings per share drop from ₹8.85 in Q4 FY26 to ₹1.97 in Q1 FY27, highlighting volatile profitability
Gross NPA ratio falls from 2.93% in Q1 FY26 to 2.30% in Q1 FY27, reflecting steady asset quality improvement
Cost to income ratio rises from 43.37% in Q2 FY26 to 52.02% in Q1 FY27, pressuring operational efficiency
Gross advances grow from ₹217,844 Cr in Q1 FY26 to ₹264,632 Cr in Q1 FY27, expanding the loan book consistently
Credit cost increases from 0.07% in Q2 FY26 to 0.29% in Q1 FY27, raising provisioning expenses
BHIM UPI users increase from 81.77 million in Q1 FY26 to 90.42 million in Q1 FY27, driving digital adoption
Yield on advances compresses from 9.11% in Q1 FY26 to 8.46% in Q1 FY27, weakening loan pricing power
Cost of funds declines from 4.98% in Q1 FY26 to 4.68% in Q1 FY27, improving funding efficiency
Tier 2 ratio falls from 1.68% in Q1 FY26 to 0.54% in Q1 FY27, shrinking the supplementary capital buffer
Company insights, generated from the most recent coverage.
₹81 is now the market's reference price, with the stock holding ~3.9% above it at ₹84.12. But that price bought 60.72% control; it says nothing about the 5.3% public float, so ₹81 is neither floor nor ceiling.
The 7.68% Thursday fall to ₹83.45 was almost entirely a round trip — the 15 Oct close was only ~0.6% above the ₹82.94 close two sessions earlier. The +9% day before was the anomaly, not the drop.
Reading IDBI's YTD lag of ~7 points behind the Nifty as an earnings-quality verdict is wrong — the March–April 13% single-day fall came on reports bids missed the reserve price. The tape trades disinvestment headlines, not fundamentals.