Key Numbers FY21


Funded Assets


CASA Deposits


Branches & ATMs


(16.32% including equity raised on April 06, 2021)
Capital Adequacy Ratio




Profit after Tax


Retail Assets as a % of Funded Assets


Net Interest Margin


CASA Ratio


(` 20,808 crore including equity raised on April 06, 2021)


Average Liquidity Coverage Ratio for the quarter ended March 31, 2021

Above are all standalone figures as on/for the year ended March 31, 2021
* Excluding the inorganically acquired portfolio, where the underlying assets are retail loans, the Retail contribution to the overall Funded Assets is 63% as of March 31, 2021.
# The CASA ratio was 31.87% on March 31, 2020.

MD & CEO’s Message

MD & CEO’s Message

A World-class Bank
in the making

We have defined our vision as “To build a world class bank in India, guided by ethics and customer-first values, powered by technology, and be a force for social good.” We find this line highly inspiring..

V Vaidyanathan Managing Director and CEO

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COO’s Message

COO’s message

Operational Resilience

Responsiveness and Trust in the Bank and its operations were strengthened by establishing a robust delivery model across all areas of operations, technology and customer service in an uninterrupted manner.

Madhivanan Balakrishnan Chief Operating Officer

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CFO’s Message

CFO’s message

Strong Capital and Liquidity Position

The reduction of savings account interest rates has made the Bank extremely competitive in terms of cost of funds. This has also enabled the bank to access certain additional and new segments of credit markets.

Sudhanshu Jain Chief Financial Officer & Head Corporate Centre

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Investor Corner

Investor Corner

Proactive and Transparent Communication

Post the merger, our Bank has made significant progress across all parameters of business.

Our investors have always supported us and appreciated our level of corporate governance and disclosures.

Saptarshi Bapari Head-Investor Relations

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  • COO’s
  • CFO’s
  • Investor

Set for Growth

An Ethical Way to Growth

Ethics form the core of our Bank’s culture.

We strive to abide by the highest ethical standards in all our dealings with our customers, communities, employees and stakeholders. This simply means that we are committed to doing what is right for them, even if it were contrary to conventional industry practices. For instance, we make a conscious effort to make every relevant information available to our customers so as to enable them to make informed financial choices.

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Interest Credit

The Bank offers monthly interest credit on savings account balances as against the industry practice of quarterly interest credit.


Highest degree of transparency is maintained in all interactions with customers, investors and stakeholders.


The Bank has honoured all its commitments made to around 3,500 new hires even at the height of the pandemic.


Digital FIRST

Innovation and Technology for an Aspiring India

Technology is changing banking at its roots. The mobile is now the go-to mode for contactless and instant banking. At IDFC FIRST Bank, we are deploying sophisticated technologies that enable us to be flexible and highly responsive to changing customer preferences.

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Committed to making Customer Experience better

Creating Exceptional

During FY21, our Bank took a large number of initiatives and sharply upgraded our customer service levels.

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Being there for our customers

Because YOU matter the most

We are passionate about serving our customers. Our wide range of
products are customised to their needs.

Digital banking for a Tech-Savvy team

"We started our banking relationship with IDFC FIRST Bank for salary accounts three years ago. It’s been a wonderful experience using the Bank’s digital services, especially during the pandemic. We have employees across the country and all their accounts were opened digitally in just 10 minutes. Their newly launched app and netbanking is quite distinctive and extremely user friendly. Given its customer focus, we hope the Bank continues to keep their high standards of service in the future."

Ravindranath Rao, Finance Controller, Trigent Software, Bengaluru

Big Business Starts Small

“I started my business with an investment of ` 1 lakh. With time, I wanted to expand the business, but funds were short. I approached several banks but obtaining funds during a lockdown was challenging. Then I approached IDFC FIRST Bank for a Personal Loan. The process from application to disbursal was fast. With the funds, I renovated and expanded my shop so that the shelves can hold more. My income per month is now more than the loan I had secured.”

Mihirkumar Patel, M/s Sahjanand Chill Point, Anand, Gujarat

Stitching Success

“I started my small business with one embroidery machine. There was a growing demand for embroidered fabrics but my expansion plans were constrained due to lack of funds. A Business Loan from IDFC FIRST Bank helped buy more machines and cater to new clients. Soon my business turnover doubled to ` 50 lakh. I am delighted that today I am regarded as a successful entrepreneur in my locality.”

Nasiruddin Sardar, Proprietor, Embroidery Factory, Howrah

Catching an Opportunity

“In the business of finishing boats, the more the number of boats, more is the opportunity to earn. I availed of a Micro Enterprise Loan of ` 1 lakh from IDFC FIRST Bank and expanded the number fishing boats I operated at Velankanni. Not only did this increase my family income and helped buy essential items of my home, but it also enabled me to give employment to 10 labourers who work with me. I wanted to expand my business of manufacturing fishing boats.”

Jayakumar, Velankanni, Tamil Nadu

Turning Yarn Into Money

“As the lockdown lifted in August 2020, business activity was back to normal and we witnessed increased demand for knitted products. I required funds to meet my working capital needs. I obtained a loan from IDFC FIRST Bank. With five circular knitting machines and seven workers, I have been able to enhance capacity utilisation of my installed machines and cater to new clients and untapped markets.”

Parminder Singh, M/s Padda Industries, Ludhiana


Staying connected while Working From Home

Through the year, our Bank organised multiple sessions to drive engagement among employees in an effort to upgrade their knowledge and skills, and to keep the business momentum going.

Bharat Ki Shaan

Rewards & Recognition programme in which state teams across the country come together on a digital platform on the same day to appreciate and recognize Top Performers in the business.

Nagaland Branch

A social media message to our MD & CEO Mr. V Vaidyanathan triggered the thought of launching the Bank’s 500th branch at Dimapur, Nagaland.

Samvaad session

Shikha Hora, Business Head – Consumer Lending (highlighted above) chaired a Samvaad session – a Leadership Connect Programme which provides a platform for frontend employees to interact directly with leadership

Vaccination Drive

COVID-19 Vaccination Drives conducted across locations for our employees and their families

Tech Hour

Rahul Chari (Guest Speaker) pictured with Surajit Deb (Head- Technology Management Group and Chief Enterprise Architect) addressing employees during ‘Tech Hour’

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