CreditBrief

What IDBI Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹2.77 lakh crore (+6.8% since March).

IDBI BankPrivate banks

₹2.59lakh croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers20thof 33 banks on CreditBrief, March 2026
Biggest segment28.4%Housing Loan, latest split (30 Sep 2026)
Share of the combined book1.2%of all banks on CreditBrief

Chapter 01 · The loan book

₹2.59 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in IDBI Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from housing loan down, and you get ₹2.59 lakh crore. By 30 Sep 2026 it was ₹2.77 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

56%People and households₹1.55 lakh croreHousing LoanLoan Against PropertyAuto Loan, Education Loan & Personal LoanOthers (structured retail)Gold Loan
40%Businesses₹1.10 lakh croreMSMELarge CorporateMid Corporate

4% sits in lines the filing does not tie to either: Bulk business/Centralised business.

Drilling down: what it lends against · 30 Sep 2026

  • Housing Loan₹78,674 crore28.4%
  • Large Corporate₹59,714 crore21.6%
  • MSME₹25,491 crore9.2%
  • Mid Corporate₹25,148 crore9.1%
  • Gold Loan₹23,986 crore8.7%
  • Loan Against Property₹22,948 crore8.3%
  • Agri₹13,304 crore4.8%
  • Bulk business/Centralised business₹12,028 crore4.3%
  • Auto Loan, Education Loan & Personal Loan₹7,268 crore2.6%
  • Other Retail₹4,568 crore1.6%
  • Others (structured retail)₹3,803 crore1.4%

Taken from the bank's website, as only the press release was filed on NSE. Segment amounts are read from chart labels and add exactly to the total.

Sources: IDBI Bank Analyst Presentation March 2026 (bank website), PDF page 19 ↗ for March 2026; IDBI Bank Investors Presentation Q2 FY2026-27, PDF page 19 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 11% a year since March 2022.

From ₹1.69 lakh crore on 31 March 2022 to ₹2.59 lakh crore on 31 March 2026, and ₹2.77 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights39 figures from 11 filings · each checked against its pageHow it works
IDBI Bank · loan book · 31 March 2026₹2.59lakh crore+15% in FY2025-26₹2.77 lakh crore by 30 Sep 2026
  1. 0111%a year since 2022Grew 11% a year from March 2022 to March 2026, faster than 3 of the 29 other banks with like-for-like figures for those years.
  2. 0215%in FY2025-26Growth held steady at 15% in FY2025-26, from 14% the year before.
  3. 0315thamong peersSlipped from 15th to 20th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹3.47 lakh crore+12% · in FY2025-26
Loans to deposits74.7%+2.3 pts · in FY2025-26
CASA ratio44.6%-2.0 pts · in FY2025-26
Retail, agriculture and MSME loans₹1.77 lakh crore+16% · in FY2025-26
Corporate and wholesale loans₹76,980 crore+14% · in FY2025-26
Branches2,174+3.3% · in FY2025-26
Mobile app users5.3 million+21% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances1,69,2071,72,0421,96,8942,24,7572,59,2742,76,932
Retail, agriculture and MSME loans₹ crore1,33,1451,52,1921,77,2951,87,320
Corporate and wholesale loans₹ crore62,36853,44258,13267,73076,98084,862
Deposits₹ crore2,33,1342,55,4992,77,6573,10,2943,47,1633,55,684
CASA ratio%56.7753.0250.4346.5644.5943.82
BranchesNumber1,8841,9282,0042,1042,174
Mobile app usersMillion44.73.54.45.35.8

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at IDBI Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

IDBI Bank, Q2 FY2026-27: loan book ₹2.77 lakh crore, +6.8% since March

  • ₹2.77 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Housing Loan, 28% of the book
  • Every figure links to page 19 of its filing

Chapter 03 · Among its peers

20th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.2% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 20IDBI Bank₹2.59 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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