CreditBrief

What IDFC First 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 ₹3.47 lakh crore (+20% since March).

IDFC First BankPrivate banks

₹2.90lakh croreloan assets, net of IBPC on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers16thof 33 banks on CreditBrief, March 2026
Biggest segment20.3%Wholesale Loans, latest split (30 Sep 2026)
Share of the combined book1.4%of all banks on CreditBrief

Chapter 01 · The loan book

₹2.90 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 IDFC First Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from wholesale loans down, and you get ₹2.90 lakh crore. By 30 Sep 2026 it was ₹3.47 lakh crore.

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

58%People and households₹2.01 lakh croreMortgage LoansVehicle LoansConsumer LoansCredit CardGold Loan
29%Businesses₹98,988 croreBusiness Banking (Working Capital)Business Loans (Term loans to Small Businesses)Wholesale Loans

14% sits in lines the filing does not tie to either: Education Loan, FCNR(B) Backed Loans, Rural Finance: other than micro-finance.

Drilling down: what it lends against · 30 Sep 2026

  • Wholesale Loans₹70,312 crore20.3%
  • Mortgage Loans₹64,211 crore18.5%
  • Consumer Loans₹60,324 crore17.4%
  • Vehicle Loans₹35,464 crore10.2%
  • FCNR(B) Backed Loans₹24,885 crore7.2%
  • Rural Finance: other than micro-finance₹18,423 crore5.3%
  • Business Banking (Working Capital)₹14,381 crore4.1%
  • Business Loans (Term loans to Small Businesses)₹14,295 crore4.1%
  • CV & CE Financing₹11,062 crore3.2%
  • Credit Card₹9,875 crore2.8%
  • Others (retail finance)₹7,221 crore2.1%
  • Rural Finance: micro-finance loans₹6,825 crore2%
  • Gold Loan₹5,850 crore1.7%
  • Education Loan₹3,783 crore1.1%

Mortgage loans cover home loans and loans against property, so they are grouped as property. Consumer loans include personal, small business, professional and consumer durable loans. Wholesale includes ₹7,984 crore of corporate bonds held in place of loans. One box in the filing prints retail as ₹2,11,164 crore; the table's ₹2,11,614 crore is used because it matches the parts.

Sources: IDFC FIRST Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 21 ↗ for March 2026; IDFC FIRST Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 33 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 22% a year since March 2022.

From ₹1.29 lakh crore on 31 March 2022 to ₹2.90 lakh crore on 31 March 2026, and ₹3.47 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights40 figures from 6 filings · each checked against its pageHow it works
IDFC First Bank · loan book · 31 March 2026₹2.90lakh crore+20% in FY2025-26₹3.47 lakh crore by 30 Sep 2026
  1. 0122%a year since 2022Grew 22% a year from March 2022 to March 2026, faster than 27 of the 29 other banks with like-for-like figures for those years.
  2. 0220%in FY2025-26Growth held steady at 20% in FY2025-26, from 20% the year before.
  3. 0320thamong peersMoved up from 20th to 16th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹2.94 lakh crore+17% · in FY2025-26
Loans to deposits98.6%+2.6 pts · in FY2025-26
CASA ratio49.8%+2.9 pts · in FY2025-26
Retail, agriculture and MSME loans₹2.32 lakh crore+18% · in FY2025-26
Corporate and wholesale loans₹57,884 crore+30% · in FY2025-26
Branches1,147+14% · in FY2025-26
Mobile app users29.8 million+50% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · loan assets, net of IBPC1,29,0511,60,5992,00,9652,41,9262,90,2783,46,913
Retail, agriculture and MSME loans₹ crore92,4771,26,1351,66,6041,97,5682,32,3942,76,601
Corporate and wholesale loans₹ crore36,57434,46434,36244,35857,88470,312
Deposits₹ crore1,05,6341,44,6372,00,5762,52,0652,94,4753,48,583
CASA ratio%48.4449.8047.2046.9049.8047.60
BranchesNumber6418099441,0021,1471,200
Mobile app usersMillion1219.929.831.4

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 IDFC First 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.

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Its last results, as an alert

CreditBrief Insightsto you

IDFC First Bank, Q2 FY2026-27: loan book ₹3.47 lakh crore, +20% since March

  • ₹3.47 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Wholesale Loans, 20% of the book
  • Every figure links to page 33 of its filing

Chapter 03 · Among its peers

16th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.4% 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. 16IDFC First Bank₹2.90 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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