IDBI Bank Q4 Net Profit Up 26%

On Monday, IDBI Bank announced its financial results for the quarter and year ended March 31, 2025. The bank's Q4 2025 net profit increased by 26% to Rs 2,051 crore from Q4 2024's net profit of Rs 1,628 crore. In Q4 2025, IDBI Bank reported net interest income of Rs 3,290 crore, up from Rs 3,688 crore in Q4 2024. The bank's Return on Assets (ROA) climbed from 1.82% in Q4 2024 to 2.11% in Q4 2025, a 29 basis point rise. The cost of funds for IDBI Bank was 4.97% in Q4 2025 as opposed to 4.74% in Q4 2024, and the cost of deposits was 4.83% in Q4 2025 as opposed to 4.48% in Q4 2024.

According to IDBI Bank's FY25 report, its operating profit increased by 16% year over year to Rs 11,079 crore, while its net profit hit an all-time high of Rs 7,515 crore, with YoY growth of 33%. The bank's overall revenue in FY25 exceeded Rs 5 trillion. With a YoY gain of 33 basis points, Return on Equity (ROE) was at 20.15%, and Return on Assets (ROA) was at 1.98%.

While CASA climbed to Rs 1,44,479 crore and the CASA ratio was 46.56% as of March 31, 2025, IDBI Bank said that its total deposits had grown to Rs 3,10,294 crore as of March 31, 2025, from Rs 2,77,657 crore on March 31, 2024. The overall CASA and CASA ratio were at Rs 1,40,027 crore and 50.43%, respectively, as of March 31, 2024.

According to IDBI Bank, net advances climbed by 16% YoY to Rs 2,18,399 crore as of March 31, 2025, from Rs 1,88,621 as of the same period in 2024. The bank's net non-performing asset (NPA) ratio surged to 0.15% from 0.34% on March 31, 2024, while its gross non-performing asset (NPA) ratio improved to 2.98% from 4.53% on March 31, 2025. These improvements indicate a sound asset base. As of March 31, 2025, the bank's Provision Coverage Ratio (including Technical Write-Offs) increased from 99.09% on March 31, 2024, to 99.48%.

"We would like to inform that the Board of Directors have recommended a Dividend of Rs. 2.10 per Equity Share of face value of Rs. 10/- each of the Bank for the financial year ended March 31, 2025. The dividend on equity shares, will be paid/dispatched on or after the same is approved by the shareholders at the ensuing Annual General Meeting (AGM) of the Bank," said IDBI Bank in a stock exchange filing.

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IDFC FIRST Bank net profit decline 58% YoY

IDFC First Bank recorded a net profit for Q4 FY25 of Rs 304 crore, which was 58 percent less than the Rs 724 crore profit for Q4 FY24. The microfinance portfolio's increased provisions associated with stress were the main cause of the decline in profitability. Net profit for the entire fiscal year FY25 was Rs 1,525 crore, a 48.4% decrease from the previous year.

Retail deposits increased by 26.4 percent to Rs 1,91,268 crore, while customer deposits gained a strong 25.2 percent to Rs 2,42,543 crore. At Rs 1,18,237 crore, CASA deposits also showed a robust 24.8 percent year-over-year rise. At 46.9 percent, the CASA ratio held steady and was just slightly lower than 47.2 percent a year earlier.

At Rs 2,41,926 crore, the bank's total loans and advances increased by 20.4% year over year. While the microfinance portfolio shrank by 28.3%, retail, rural, and MSME loans increased 18.6% to Rs 1,97,568 crore.

 

In Q4 of FY25, Net Interest Income (NII) increased 9.8% year over year to Rs 4,907 crore. NII grew 17.3% year over year for the entire year. Due in significant part to the microfinance industry's collapse, the Net Interest Margin (NIM) on AUM decreased 9 basis points sequentially to 5.95 percent in Q4 FY25. The NIM for the entire year was 6.09 percent.

In Q4 of FY25, Fee and Other Income increased by 5.7% year over year to Rs 1,702 crore. The growth in Fee and Other Income for FY25 was 15.2 percent. In Q4, operating expenses increased by 12.2 percent to Rs 4,991 crore, while core operating income increased by 8.7 percent to Rs 6,609 crore. During the quarter, core operating profit was Rs 1,618 crore; for the entire year, it increased 17.2 percent to Rs 7,069 crore. 

Despite sectoral constraints, asset quality metrics stayed consistent. Net non-performing assets (NPA) climbed by 1 basis point to 0.53 percent, while gross non-performing assets (GNPA) improved by 7 basis points sequentially to 1.87 percent. With the microfinance portfolio excluded, the retail, rural, and MSME book's gross non-performing assets (NPA) increased to 1.40%.

At 72.3%, the Provision Coverage Ratio (PCR) was in good health.  For FY25, the total provisions were Rs 5,515 crore, or 2.46 percent of the loan book.  The adjusted credit cost for the year, excluding microfinance and one toll account, was 1.76 percent; in Q4, it improved 9 basis points from the previous quarter to 1.73 percent. In Q4 of FY25, the bank's gross slippages were Rs 2,175 crore, somewhat less than the Rs 2,192 crore in Q3.

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Axis Bank Q4 Net profit marginally declines

Axis Bank on April 24 reported a standalone net profit of Rs 7,118 crore in Q4FY25, marginally lower than Rs 7,130 crore in the corresponding quarter last year. However, the private lender beat estimates due to higher core lending income.The Mumbai-based lender's total income rose 6 percent to Rs 38,022 crore in Q4FY25 as against Rs 35,990 crore in Q4FY24.

According to Moneycontrol's poll, Axis Bank’s profit-after-tax (PAT) was pegged 6% year-on-year lower at Rs 6,710 crore.The lender declared dividend of Re 1 for the year ended March 31, 2025.

The private lender’s standalone interest earned rose 6.9 percent year‑on‑year to Rs 31,242.51 crore in Q4 FY25, up from Rs 29,224.54 crore in Q4 FY24, driven by a 5.3 percent growth in interest on advances to Rs 24,579.59 crore and a 14.1 percent jump in investment income to Rs 6,095 crore.

Consolidated interest earned climbed 7.4 percent to Rs 32,452.32, with advances income up to Rs 25,709.Standalone total income (net interest income plus other income) grew 5.7 percent to Rs 38,022.03, aided by a 0.2 percent uptick in other income to Rs 6,779.52.

Operating expenses rose more modestly with standalone operating expenses increased 5.6 percent to Rs 9,837.69 crore, while consolidated operating expenses increased 4.6 percent to Rs 10,392.28 crore.

Consequently, standalone operating profit (before provisions) edged up 2 percent to Rs 10,752.37 crore, and consolidated operating profit rose 2.1 percent to Rs 11,445.05 crore.Net interest income - the difference between interest earned on loans and paid on deposits - rose 5.5% to Rs 13,811 crore.

Provisions and contingencies, or funds kept aside for potential bad loans, rose 14% year-on-year to Rs 1,359 crore, but fell 37% from a quarter ago.Gross non‑performing assets (NPAs) fell to 1.28 percent of advances from 1.43 percent a year earlier; net NPAs were down to 0.33 percent from 0.35 percent.

Consolidated net provisions similarly eased to Rs 1,550.28 crore from Rs 2,239.98 crore.For the full year FY25, standalone net profit grew 6.1 percent to Rs 26,373.48 crore, on total income of Rs 1,47,934.10 crore and operating profit of Rs 42,104.93 crore.

Consolidated net profit for FY25 was Rs 28,055.11 crore, up 6.3% from FY24’s Rs 26,386.20 crore, on total income of Rs 1,55,916.86 crore and operating profit of Rs 44,888.51 crore.Axis Bank maintained a strong capital adequacy ratio of 17.07 percent (Basel III) and a return on assets of 1.74 percent for the full year.Earnings per share (EPS) for FY25 stood at Rs 85.28 (basic, standalone), compared to Rs 80.67 in FY24.

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Tentative date of results of Major PSU & Private Banks for Q4FY25

 

Bank	Result Date
Bank of Baroda (BOB)
Bank of India(BOI)
Bank of Maharashtra(BOM)	25th April
Canara Bank	08th May
Central Bank of India	28th April
Indian Bank	03rd May
Indian Overseas Bank(IOB)	02nd May
Punjab & Sind Bank	29th April
Punjab National Bank(PNB)
State Bank of India(SBI)	03rd May
UCO Bank	28th April
Union Bank of India
Axis Bank	24th April
HDFC Bank	19th April
ICICI Bank	19th April
Kotak Mahindra Bank	03rd May
Indusind Bank
IDBI Bank	28th April
IDFC First Bank	26th April
Yes Bank	19th April

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HDFC Bank Q4 Net profit up 7% YoY

India’s largest private sector lender HDFC Bank reported its financial results for the fourth quarter of FY25, posting a 6.7 percent year-on-year rise in standalone net profit to Rs 17,616 crore. The earnings surpassed Street expectations, with analysts projecting a net profit of Rs 17,072 crore, according to a Moneycontrol poll. On a sequential basis, net profit rose by 5.3 percent.

HDFC Bank said its board has recommended a dividend of Rs 22 per share of face value of Rs 1 each for the financial year 2024-25. 

Gross non-performing asset (NPA) ratio of the bank shrunk to 1.33 percent as on March 31, 2025, as compared to 1.42 percent as on December 31, 2024. However, it expanded from 1.24 percent a year ago, showed the stock exchange filings.

Similarly, Net NPA ratio of the bank stood at 0.43 percent in the reporting quarter, as compared to 0.46 percent in a quarter ago period and 0.33 percent previous year.

In absolute terms, gross NPAs fell to Rs 35,222.64 crore as of March 31, 2025, as compared to Rs 36,018.58 crore as on December 31, 2024. It rose from Rs 31,173.32 crore as on March 31, 2024.

Even though the asset quality of the bank has deteriorated, provisions and contingencies for the quarter ended March 31, 2025 stood at Rs 3,190 crore , as as against Rs 13,510 crore for the quarter ended March 31, 2024, according to the release.

Net interest income (interest earned less interest expended) for the quarter ended March 31, 2025 grew by 10.3 percent to Rs 32,070 crore from Rs 29,080 crore for the quarter ended March 31, 2024, release said.

Net interest income of the bank in a quarter ago period stood at Rs 30,650 crore.

Net interest margin was at 3.54 percent on total assets, and 3.73 percent based on interest earning assets. Excluding Rs 700 crore of interest on income tax refund, core net interest margin was at 3.46 percent on total assets, and 3.65 percent based on interest earning assets, release said.

Other income (non-interest revenue) for the quarter ended March 31, 2025 was Rs 12,030 crore. The four components of other income for the reporting quarter were fees & commissions of Rs 8,530 crore, foreign exchange & derivatives revenue of Rs 1440 crore, net trading and mark to market gain of Rs 390 crore and miscellaneous income, including recoveries and dividend of Rs 1,670 crore.

The Bank’s average deposits were grew 15.8 percent on-year to Rs 25.28 lakh crore in January-March quarter. In a year ago period, average deposit of the bank stood at Rs 21.84 lakh crore, and in a quarter ago period it stood at Rs 24.53 lakh crore. On a sequential basis, average deposit of the bank grew just 3.1 percent.

The Bank’s average CASA deposits were Rs 8.3 lakh crore for the March 2025 quarter, a growth of 5.7 percent over Rs 7.85 lakh crore for the March 2024 quarter, and 1.4 percent over Rs 8.18 lakh crore for the December 2024 quarter, release said.

CASA deposits grew by 3.9 percent with savings account deposits at Rs 6.31 lakh crore and current account deposits at Rs 3.14 lakh crore. Time deposits were at Rs 17.70 lakh crore, an increase of 20.3 percent over the corresponding quarter of the previous year, resulting in CASA deposits comprising 34.8 percent of total deposits as of March 31, 2025.

Gross advances were at Rs 26.44 lakh crore as of March 31, 2025, an increase of 5.4 percent over March 31, 2024. Advances under management grew by 7.7 percent over March 31, 2024.

Retail loans grew by 9.0 percent, commercial and rural banking loans grew by 12.8 percent and corporate and other wholesale loans were lower by 3.6 percent. Overseas advances constituted 1.7 percent of total advances.

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ICICI Bank Q4 Net profit up 18% YoY

India's second largest private sector lender ICICI Bank reported its financial results for the fourth quarter of FY25, posting an 18 percent year-on-year rise in standalone net profit to Rs 12,629.58 crore. The earnings surpassed Street expectations, with analysts projecting a net profit of Rs 12,050 crore, according to a Moneycontrol poll. On a sequential basis, net profit rose 7.1 percent.

ICICI Bank said that its board has recommended a dividend of Rs 11 per share of face value of Rs 2 each, subject to requisite approvals.

ICICI Bank's gross non-performing asset (NPA) ratio shrunk to 1.67 percent as on March 31, 2025, from 1.96 percent a quarter ago, and 2.16 percent a year ago.

Similarly, the net NPA ratio of the bank stood at 0.39 percent in the reporting quarter, as compared to 0.42 percent in a quarter ago period and also 0.42 percent in a year ago period.

In absolute terms, gross NPA fell to Rs 24,166.18 crore as of March 31, 2025, as compared to Rs 27,745.33 crore as on December 31, 2024, and Rs 27,961.68 crore as on March 31, 2024.

Provisions (excluding provision for tax) for the quarter increased to Rs 891 crore in Q4FY25 compared to Rs 718 crore in Q4FY24 and Rs 1,227 crore in Q3FY25, release said.

Provisioning coverage ratio on non-performing loans was 76.2 percent at March 31, 2025.

Private lender's total deposit during the quarter ended March increased by 14 percent on-year, and 5.9 percent on a quarterly basis. In January-March quarter, total deposit of the bank stood at Rs 16.11 lakh crore at March 31, 2025.

Average deposits increased by 11.4 percent year-on-year and 1.9 percent sequentially to Rs 14.87 lakh crore in Q4FY25. Average current account deposits increased by 9.6 percent year-on-year and 1.4 percent sequentially in Q4FY25. Average savings account deposits increased by 10.1 percent year-on-year and 0.2 percent sequentially in Q4FY25.

With the addition of 241 branches during Q4-2025, the Bank had a network of 6,983 branches and 16,285 ATMs & cash recycling machines at March 31, 2025.

The net domestic advances grew by 13.9 percent year-on-year and 2.2 percent sequentially at March 31, 2025. The retail loan portfolio grew by 8.9 percent year-on-year and 2.0 percent sequentially, and comprised 52.4 percent of the total loan portfolio at March 31, 2025. Including non-fund outstanding, the retail portfolio was 43.8 percent of the total portfolio at March 31, 2025.

The business banking portfolio grew by 33.7 percent year-on-year and 6.2 percent sequentially at March 31, 2025. The rural portfolio grew by 5.1 percent year-on-year and declined by 1.5 percent sequentially at March 31, 2025. The domestic corporate portfolio grew by 11.9 percent year-on-year and declined by 0.4 percent sequentially at March 31, 2025.

Total advances increased by 13.3 percent year-on-year and 2.1 percent sequentially to Rs 13.42 lakh crore at March 31, 2025, release added.

Net interest income (NII) increased by 11.0 percent year-on-year to Rs 21,193 crore in Q4FY25 from Rs 19,093 crore in Q4FY24.

Net interest margin was 4.41 percent in Q4FY25 compared to 4.25 percent in Q3FY25 and 4.40 percent in Q4FY24. The net interest margin was 4.32 percent in FY25.

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Yes Bank Q4 net profit rises 63%

The quarter ending March 31, 2025, saw YES Bank record a standalone net profit of Rs 738.12 crore, up 63.7 percent year over year from Rs 451.9 crore in the same quarter the previous year. Improved asset quality, lower provisions, and increased interest revenue all contributed to the impressive outcome. 

 The quarter's total revenue increased to Rs 9,355.4 crore, a little increase over the same period last year, when it was Rs 9,015.8 crore. Interest income was Rs 7,616.1 crore, down from Rs 7,447.2 crore in the previous year. Year-over-year, other income increased as well, rising from Rs 1,568.6 crore to Rs 1,739.3 crore.

Compared to the same quarter last year, the bank's operational profit before provisions increased to Rs 1,314.4 crore from Rs 902.5 crore. The good bottom-line performance was aided by a considerable drop in provisions and contingencies, which went from Rs 470.9 crore to Rs 318.1 crore last year. 

 Regarding asset quality, YES Bank recorded gross non-performing assets (NPAs) of Rs 3,935.6 crore, up from 1.7 percent in the same quarter the previous year, with a gross NPA ratio of 1.6 percent. 

 Net non-performing assets (NPAs) totaled Rs 800 crore, and the net NPA ratio improved from 0.6 percent to 0.3 percent over the previous year. The bank declared a net profit of Rs 24,058.6 crore for the entire fiscal year FY25, a significant rise from the Rs 12,510.8 crore recorded in FY24.

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Check Latest Fixed Deposit Rates for All Major Banks in India

Fixed Deposit (FD) is a popular investment option in India, providing safe returns with guaranteed interest. Different banks offer varying interest rates on FDs based on tenure, amount, and the customer’s profile (regular or senior citizen). Here, we provide the most up-to-date FD interest rates from major banks across India. You can check FD Interest Rate of all Banks in India – Government Banks and Private Banks here.

Public Sector Banks FD Interest Rate 2025 [Updated]

• State Bank of India (SBI) FD Interest Rate
• Punjab National Bank (PNB) FD Interest Rate
• Bank of Baroda (BOB) FD Interest Rate
• Union Bank FD Interest Rate
• Canara Bank FD Interest Rate
• Bank of India (BOI) FD Interest Rate
• Central Bank of India FD Interest Rate
• Bank of Maharashtra (BOM) FD Interest Rate
• Punjab and Sind Bank (PSB) FD Interest Rate
• UCO Bank FD Interest Rate
• Indian Overseas Bank (IOB) FD Interest Rate
• Indian Bank FD Interest Rate

Private Banks FD Interest Rate

HDFC Bank	ICICI Bank	Axis Bank
IDBI Bank	Bandhan Bank	YES Bank
Tamilnad Mercantile	DCB Bank	South Indian Bank
Federal Bank	Indusind Bank	IndusInd Bank
J&K Bank	Karnataka Bank	Karur Vysya Bank
Kotak Mahindra Bank	RBL Bank

Senior Citizen FD Interest Rate & Super Senior FD Interest Rate

Senior citizens often enjoy higher FD interest rates than regular customers, with additional benefits such as higher returns and special tenure plans. Normally Banks offer 0.25% to 0.75% extra FD interest rate for Senior Citizens and Super Senior Citizens. You can check Senior Citizen FD Interest Rate & Super Senior FD Interest Rate of all banks via links provided above.

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