IDBI Bank Ltd. (IDBI) — Tipsheet https://tipsheet.markets/company/idbi/ Every Tipsheet Editorial note covering IDBI Bank Ltd. (IDBI), newest first. Grounded in BSE/NSE primary-source filings. en-in Mon, 06 Jul 2026 10:22:47 GMT IDBI Bank advances surge 22% in Q1, but deposit growth lags https://tipsheet.markets/idbi-idbi-bank-advances-surge-22-in-q1-but-deposit-growth-lags-118832/ https://tipsheet.markets/idbi-idbi-bank-advances-surge-22-in-q1-but-deposit-growth-lags-118832/ Fri, 03 Jul 2026 15:44:39 GMT Advances up 22% YoY to ₹2,59,025 crore, deposits up 10%. Total business hits ₹5,84,418 crore. The gap between loan and deposit growth widens. Advances up 22% YoY to ₹2,59,025 crore, deposits up 10%. Total business hits ₹5,84,418 crore. The gap between loan and deposit growth widens.

What’s new

  • Advances jumped 22% YoY to ₹2,59,025 crore, driving 15% total business growth.
  • Deposits rose 10% to ₹3,25,393 crore; CASA ratio up 7%.
  • Provisional update lacks P&L details; pending audit.

Why it matters

Loan growth outpacing deposits by 12 percentage points will pressure margins. The bank's CASA base isn't keeping up. Without profit data, the headline numbers give only a partial picture; full results will reveal whether this expansion is profitable.

What we’re watching

  • Full Q1 results for NIM trends and asset quality.
  • Progress of IDBI Bank's disinvestment process.
  • Whether deposit growth accelerates to close the gap.

The full read

IDBI Bank's June quarter is a tale of two growth rates. Advances: 22%. Deposits: 10%. That gap is the story. It means the bank's low-cost CASA base rose only 7%, barely keeping pace with a credit boom that is increasingly expensive to fund from wholesale sources. Net interest margins could feel the pinch when full P&L numbers arrive. For now, the provisional figures are what the market expected. The real test is whether this loan growth translates into profitable earnings.

Primary source: BSE · NSE

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