Q4 Results Live 26 April: India Cements, IDFC First Bank, Indiabulls & other 10 companies to announce Q4 results
Q4 Results 2025: India Cements, IDFC First Bank, Indiabulls Report Mixed Performance
In a significant day for corporate earnings, major Indian companies including India Cements, IDFC First Bank, and Indiabulls Enterprises announced their Q4 2025 results, revealing diverse performance across sectors. Notably, Cholamandalam Investment and Finance achieved a milestone by crossing the ₹1 lakh crore mark in total disbursements, while IDFC First Bank faced challenges in its microfinance portfolio.
Cholamandalam Investment’s Record-Breaking Performance
Key Financial Highlights
- Total disbursements: ₹1,00,869 crore (14% YoY growth)
- Q4 FY25 consolidated income: ₹7,136.91 crore vs ₹5,499.16 crore in Q4 FY24
- FY25 PAT: ₹4,262.70 crore vs ₹3,420.06 crore in FY24
- Q4 consolidated PAT: ₹1,259.54 crore
IDFC First Bank’s Q4 Performance
Financial Metrics
- Net profit: Declined 53% YoY to ₹339 crore
- Net interest income: Up 14% YoY to ₹4,902 crore
- Deposits: Grew 29% YoY to ₹2,27,316 crore
- Gross advances: Increased 22% YoY to ₹2,31,074 crore
- Net Interest Margin: 6.04% vs 6.42% in Q4 FY24
Management Commentary
V Vaidyanathan, MD & CEO of IDFC FIRST Bank, stated: “The Bank has firmly moved into profits and is at a pivotal stage, where our income growth is expected to consistently exceed OPEX growth, leading to improved operating leverage. We expect many businesses in the investment stage to turn profitable with scale.”
Regarding the microfinance segment, he added: “We are specifically tracking microfinance loan book closely considering the industry situation. The asset quality of the overall Bank’s loan book is stable… Excluding the micro-finance loan book, the GNPA and NNPA of the book of the bank is even lower at 1.81% and 0.49%.”
India Cements’ Transformation Journey
Financial Performance
- Q4 FY24 consolidated net loss: ₹50.06 crore
- Revenue from operations: ₹1,266.65 crore
- Total expenses: Reduced to ₹1,351.84 crore
- Cash profit in Q4 FY24: ₹24 crore
Strategic Developments
Following its acquisition by UltraTech Cement, India Cements is undergoing a strategic transformation. UltraTech has outlined plans to achieve a turnaround within 12 months through targeted measures including debottlenecking at key plants and expanding operations at select locations. The company’s net debt stood at ₹877 crore as of December 31, 2024, with an enterprise value of ₹12,075 crore for its 14.45 million tonne capacity.
Other Notable Results
MRPL (Mangalore Refinery and Petrochemicals)
- Q3 FY25 PAT: ₹304 crore (21.44% YoY decline)
- Revenue from operations: ₹25,601 crore
- Record ATF production: 763.1 TMT
UGRO Capital
- Assets under management: Up 32% YoY to ₹11,067 crore
- Net total income: Increased 34% YoY to ₹218 crore
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