Overview

Detailed Summary

IDFC FIRST Bank, formed by merging IDFC Bank and Capital First, aims to provide universal banking services with a focus on retail, rural, MSME, and corporate lending.
The bank has significantly boosted its branch network from 206 in 2018 to 1,066 in 2025, helping in broadening its customer base and improving deposit mobilization.
A notable improvement is seen in IDFC FIRST Bank's CASA ratio, which climbed from 8.7% in December 2018 to 51.6% in December 2025, indicating effective retention of customer deposits.
Profitability has been on the rise with a Profit After Tax of Rs. 503 crore in Q3 FY26, a 48.1% YoY increase, reflecting effective cost management and revenue growth.
Credit quality has improved with GNPA decreasing to 1.69% and NNPA to 0.53% by December 2025, indicating an effective risk management framework.

Sector: Banks
Industry: Banks - Private Sector
Market Cap: 72,818 Cr
Volatility: Moderate Risk
P/E Ratio: 46.3
Industry P/E: 18.7
PEG Ratio: 0.7
P/B Ratio: 1.6
52W High: 87.00
52W Low: 52.50

Sales CAGR

1Y: 20.37%
3Y: 28.58%
5Y: 17.49%
10Y: 29.16%

Profit CAGR

1Y: -49.35%
3Y: 118.84%
5Y: —
10Y: 14.06%

ROE

TTM: 3.35%
3Y: 7.21%
5Y: 5.58%
10Y: 2.39%

ROCE

TTM: 5.32%
3Y: 15.45%
5Y: 15.38%
10Y: 15.40%

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AUBANK	1022.45	76,462 Cr	33.06	4.21	0.10	12.63	7.44	1.53
INDUSINDBK	944.15	73,556 Cr	—	1.14	0.00	-3.13	5.04	0.49
IDFCFIRSTB	84.68	72,818 Cr	46.27	1.55	0.25	3.35	5.32	0.40
FEDERALBNK	290.75	71,613 Cr	17.48	1.97	0.41	11.58	6.34	1.14
YESBANK	21.24	66,650 Cr	21.03	1.33	0.00	6.32	5.84	0.74
KARURVYSYA	325.30	31,503 Cr	13.68	2.46	0.66	17.96	6.93	1.72
BANDHANBNK	171.75	27,668 Cr	27.48	1.13	0.87	4.05	6.25	1.53

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	7,356	7,880	8,220	8,789	8,957	9,343	9,413	9,642	9,937	10,417
Expenses	4,377	4,874	5,164	5,417	6,271	6,260	6,459	6,589	6,581	7,006
Interest	3,406	3,592	3,750	4,093	4,169	4,440	4,505	4,709	4,824	4,924
Financing Profit	-427	-587	-694	-721	-1,482	-1,358	-1,551	-1,656	-1,468	-1,514
Financing Margin %	-5.80	-7.45	-8.44	-8.21	-16.55	-14.53	-16.48	-17.17	-14.77	-14.53
Other Income	1,410	1,517	1,642	1,574	1,727	1,780	1,895	2,227	1,891	2,125
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	983	930	948	853	245	422	344	571	424	611
Tax %	24.01	21.26	22.83	24.63	13.53	19.42	14.15	20.60	17.92	21.68
Net Profit	747	732	732	643	212	340	296	453	348	479
EPS in Rs	0.87	0.85	0.84	0.74	0.24	0.39	0.34	0.52	0.30	0.54
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	8,578	9,098	12,204	16,240	15,968	17,173	22,728	30,325	36,502	37,355
Expenses	1,432	1,789	4,702	9,760	8,733	12,323	13,338	17,899	23,571	25,578
Interest	6,515	7,126	8,743	10,228	8,585	7,465	10,091	13,870	17,208	17,824
Financing Profit	631	184	-1,241	-3,748	-1,350	-2,615	-701	-1,444	-4,277	-6,047
Financing Margin %	7.35	2.02	-10.17	-23.08	-8.45	-15.23	-3.08	-4.76	-11.72	-16.19
Other Income	1,019	1,120	852	1,722	2,211	3,173	4,467	5,932	6,977	7,630
Depreciation	136	168	2,820	320	343	382	435	631	836	0.00
Profit Before Tax	1,514	1,135	-3,237	-2,346	519	175	3,331	3,857	1,864	1,583
Tax %	29.79	15.83	41.07	-21.21	6.90	24.38	25.41	23.72	20.05	17.79
Net Profit	1,019	880	-1,908	-2,843	483	132	2,485	2,942	1,490	1,301
EPS in Rs	—	—	-1.69	-3.25	0.57	0.14	2.91	3.39	1.72	1.70
Dividend Payout %	25.17	29.07	0.00	0.00	0.00	0.00	0.00	0.00	12.32	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	1,516	3,399	3,404	4,782	4,810	5,676	6,218	6,618	7,070	7,322
Reserves	13,524	11,278	11,870	13,418	10,594	12,224	14,864	19,229	25,204	30,834
Borrowings	—	90,360	1,05,327	1,40,337	1,22,476	1,34,322	1,58,502	2,01,682	2,51,506	2,90,994
Other Liabilities	60,123	7,027	5,781	8,563	11,279	10,849	10,561	12,353	12,430	14,759
Total Liabilities	75,163	1,12,064	1,26,382	1,67,099	1,49,159	1,63,072	1,90,146	2,39,882	2,96,210	3,43,909
Fixed Assets	1,285	933	797	940	999	1,370	1,448	2,054	2,720	2,802
CWIP	0.90	5.92	3.39	34	74	65	79	219	95	74
Investments	7,420	50,164	60,904	58,245	45,174	45,182	45,935	60,913	74,500	80,505
Other Assets	66,457	60,962	64,677	1,07,880	1,02,911	1,16,454	1,42,684	1,76,696	2,18,895	2,60,528
Total Assets	75,163	1,12,064	1,26,382	1,67,099	1,49,159	1,63,072	1,90,146	2,39,882	2,96,210	3,43,909

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2014	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1,486	14,128	-5,978	17,364	10,966	14,042	2,679	3,563	11,543	14,465
Cash from Investing Activity	184	-4,918	-1,027	-494	-3,790	-2,833	-2,960	-11,996	-9,887	-3,174
Cash from Financing Activity	1,432	-6,974	6,742	-12,220	-12,539	-9,598	10,211	6,509	-2,954	-8,673
Net Cash Flow	130	2,236	-263	4,649	-5,363	1,610	9,929	-1,924	-1,298	2,618

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2024	Jun 2024	Jul 2024	Sep 2024	Oct 2024	Dec 2024	Mar 2025	Jun 2025	Aug 2025	Sep 2025	Oct 2025	Dec 2025
Promoters	37.43%	37.37%	35.39%	35.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	23.65%	21.02%	19.91%	19.57%	27.30%	27.12%	25.68%	23.80%	24.53%	24.63%	35.60%	36.75%
DIIs	10.53%	11.65%	16.34%	15.26%	25.37%	25.30%	28.46%	32.55%	32.87%	33.46%	28.59%	30.20%
Public	28.39%	29.96%	28.37%	29.80%	47.33%	47.58%	45.86%	43.65%	42.60%	41.90%	35.81%	33.05%
Total Shareholders	26,11,512	27,63,050	27,63,051	28,56,377	32,04,143	32,94,939	32,78,259	31,54,467	30,93,012	30,40,715	30,40,717	28,65,887

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Frequently Asked Questions about IDFC First Bank Ltd

IDFC First Bank Ltd (IDFCFIRSTB) is currently trading at 84.05 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

IDFC FIRST Bank, formed by merging IDFC Bank and Capital First, aims to provide universal banking services with a focus on retail, rural, MSME, and corporate lending. The bank has significantly boosted its branch network from 206 in 2018 to 1,066 in 2025, helping in broadening its customer base and improving deposit mobilization. A notable improvement is seen in IDFC FIRST Bank's CASA ratio, which climbed from 8.7% in December 2018 to 51.6% in December 2025, indicating effective retention of customer deposits. Profitability has been on the rise with a Profit After Tax of Rs. 503 crore in Q3 FY26, a 48.1% YoY increase, reflecting effective cost management and revenue growth. Credit quality has improved with GNPA decreasing to 1.69% and NNPA to 0.53% by December 2025, indicating an effective risk management framework.

Over the past 52 weeks, IDFC First Bank Ltd has traded between a low of ₹52.50 and a high of ₹87.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

IDFC First Bank Ltd has a market capitalization of approximately 72,817.96. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

IDFC First Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 46.27 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 72,817.96 Cr, IDFC First Bank Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

IDFC First Bank Ltd operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of IDFC First Bank Ltd is 46.27. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

IDFC First Bank reported a 48% year-on-year increase in net profit, reaching ₹503 crore for the quarter ended December 31, 2025.

The proposal to set up a 'High-level committee on banking for Vikashit Bharat' is the most significant announcement, as it will review the entire sector and could lead to future reforms impacting the bank's operations and strategy.

IDFC First Bank reported a net profit of Rs 503 crore for the third quarter of FY26, marking a 48% increase compared to the same period in the previous year.

IDFC First Bank reported a net profit of ₹503 crore for the third quarter of FY26, marking a 48% year-on-year increase from ₹339 crore in the same period last year.

Idfc First Bank Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

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Frequently Asked Questions about IDFC First Bank Ltd

What is IDFC First Bank Ltd share price today?

What does IDFC First Bank Ltd do?

What is the 52-week high and low of IDFC First Bank Ltd?

What is the market capitalization of IDFC First Bank Ltd?

Should I consider investing in IDFC First Bank Ltd stock?

Is IDFC First Bank Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does IDFC First Bank Ltd belong to and why does it matter?

What is the PE ratio of IDFC First Bank Ltd?

What was the net profit growth for IDFC First Bank in Q3 FY26?

What is the most significant announcement in Union Budget 2026 for IDFC First Bank?

What was IDFC First Bank's net profit for Q3 FY26?

What was IDFC First Bank's net profit in Q3 FY26?

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Frequently Asked Questions about IDFC First Bank Ltd

What is IDFC First Bank Ltd share price today?

What does IDFC First Bank Ltd do?

What is the 52-week high and low of IDFC First Bank Ltd?

What is the market capitalization of IDFC First Bank Ltd?

Should I consider investing in IDFC First Bank Ltd stock?

Is IDFC First Bank Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does IDFC First Bank Ltd belong to and why does it matter?

What is the PE ratio of IDFC First Bank Ltd?

What was the net profit growth for IDFC First Bank in Q3 FY26?

What is the most significant announcement in Union Budget 2026 for IDFC First Bank?

What was IDFC First Bank's net profit for Q3 FY26?

What was IDFC First Bank's net profit in Q3 FY26?

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