| Treasury | Treasury management including government bonds trading, forex, derivatives and risk hedging solutions. | Robust risk management, access to government securities market, expert treasury team. | Internal banking operations and institutional clients. | Trading gains and treasury fee income. | 26066 | 40 | Income from trading gains, interest on investment portfolios, forex commissions. | Market-driven interest margins and fees. | Volatility in forex and interest rate markets; regulatory changes. | Government Bonds, Forex Solutions, Trading Portfolios |
| Corporate/ Wholesale Banking | Financing solutions for corporates including loans, trade finance, and cash management services. | Strong underwriting, broad product suite, diversified industry exposure. | Large corporations and SMEs. | Working capital financing, fees from transaction banking. | 9168 | 14 | Interest income on loans, fees on trade finance and services. | Interest and fee-based lending pricing. | Corporate credit demand growth, diversification of client base. | Working Capital Loans, Term Loans, Trade Finance |
| Retail Banking | Retail lending, deposit products, credit cards, and digital banking services. | Technology-driven lending, scalable digital platform, strong brand in retail. | Individual retail customers and salaried professionals. | Personal loans, credit cards. | 8112 | 12 | Interest on loans, fees on credit cards and account services. | Interest margins, service fees, subscription models for cards. | Expanding retail customer base, digital loan origination, increasing CASA deposits. | Home Loans, Vehicle Loans, Personal Loans, Credit Cards |
| Other Retail Banking | Microfinance and rural lending products through subsidiary IDFC FIRST Bharat Limited. | Presence in underserved rural markets through business correspondent model. | Rural households, micro entrepreneurs. | Microfinance lending. | -1067 | -2 | Interest income and fees from microfinance and rural credit products. | Interest income with group lending models. | Financial inclusion initiatives, rural credit demand. | Microfinance, Rural Loans |
| Other Banking Business | Miscellaneous banking services and fees. | Comprehensive banking services portfolio. | Various banking clients. | Service fee income. | 1075 | 2 | Service fees and commissions. | Fee-based. | Increasing transaction volumes. | Service Fees |
