IDBI Bank Q3 net profit remains almost flat at ₹1,935 crore

IDBI Bank on Saturday (January 17, 2026) reported almost flat profit at ₹1,935 crore for the third quarter ended December 2025.

The LIC-controlled bank reported a net profit of ₹1,908 crore in the year-ago period.

However, the bank’s total income declined to ₹8,282 crore during the quarter under review from ₹8,565 crore in the same period last year, IDBI Bank said in a regulatory filing.

The bank’s interest income also fell during the third quarter of the current fiscal year to ₹7,074 crore against ₹7,816 crore a year ago.

The gross Non-Performing Asset (NPA) ratio improved to 2.57% as of December 31, 2025, compared to 3.57% a year ago.

However, the net NPA remained static at 0.18% at the end of December 2025.

During the quarter, however, the bank’s capital adequacy ratio rose to 24.63% compared to 21.98% at the end of December 2024.

On the other hand, Return on Assets (ROA) moderated to 1.83% in Q3-FY26 compared to 1.99% for Q3 FY25.

The government, which owns over 45% stake in IDBI Bank, plans to sell its stake, and the process is underway for this.

Meanwhile, life insurance behemoth LIC, which has a 49.24% shareholding in IDBI Bank, is keen to hold a strategic stake so that it can enjoy the benefit of the bancassurance channel.