IDFCFIRSTB

What IDFC First Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 16 tracked 5 delivered 1 missed 10 open
  • Deposit Growth (QoQ) delivered said Q4 FY26 Promised: 5% Q-o-Q, that kind of growth, yes. Q1 FY27: Customer deposits grew 5.3% QoQ, meeting the guidance of 5% QoQ growth.
  • Liability Cost-to-Income Ratio on track said Q4 FY26 Promised: Come down from 145% to 100% over the next few years Q1 FY27: No specific update provided on the liability-side cost-to-income ratio this quarter. Focus was on the overall C/I ratio.
  • Credit Cost revised up said Q4 FY26 Promised: in the range of 170 to 180 basis points Q1 FY27: Guidance for FY27 credit cost revised downwards (improved) to 150-160 bps from the original 170-180 bps, citing strong asset quality trends.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 16 tracked commitments for IDFC First Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens