India, Oct. 26 -- IDFC FIRST Bank today announced its unaudited financial results for the quarter and half year ended 30 September 2026. The Bank reported Profit After Tax of Rs.1,045 crore in Q2 FY27, up 196.5% year-on-year. For H1 FY27, Profit After Tax stood at Rs.2,120 crore, with Return on Assets at 0.99%.

These deposits are largely of 3-to-5-year tenor and provide strong structural liquidity for the coming years. The fully loaded cost of FCNR(B), including PSL benefits, is approximately 1% lower than the cost of raising domestic fixed deposits.

FCNR mobilisation should benefit NII, PAT, EPS and RoE, although it is optically NIM-dilutive because the balance sheet expanded by Rs.24,885 crore as loans were extended by IBU branch agai...