IDFC First Bank 2026 Outlook | Profits, Share Price & Analysis

IDFC First Bank

BSE:539437

Rp 83,86

+ Rp1,53 (1,86%)

83,86 Rp

+Rp1,53 (1,86%)

End-of-day quote: 12/16/2025

IDFC First Bank Stock Value

Analysts currently see BSE:539437 at the level of Outperform.

Outperform

IDFC First Bank Company Info

EPS Growth 5Y

18,61%

Market Cap

Rp707,47 B

Long-Term Debt

Rp389,84 B

Quarterly earnings

01/15/2026

Dividend

Rp0,25

Dividend Yield

0,30%

Founded

1997

Industry

Financials

Country

India

Website

IDFC First Bank

ISIN Number

INE092T01019

Website

http://www.idfcfirstbank.com

Analyst Price Target

Rp80,00

-4.6%

Last Update: 12/16/2025

Analysts: 17

Highest Price Target Rp100,00

Average Price Target Rp80,00

Lowest Price Target Rp68,00

In the last five quarters, IDFC First Bank’s Price Target has fallen from Rp101,91 to Rp91,87 - a -9,85% decrease. Sixteen analysts predict that IDFC First Bank’s share price will fall in the coming year, reaching Rp80,00. This would represent a decrease of -4,60%.

Top growth stocks in the financials sector (5Y.)

What does IDFC First Bank do?

IDFC First Bank Limited is a banking institution that provides a wide range of banking and financial services. Business Segments The company operates through Retail Banking, Wholesale Banking, Digital Banking, and Treasury Operations segments. Retail Banking This segment offers a range of retail banking services to individual customers. This includes savings accounts, fixed deposits, loans, credit cards, and wealth management services. This segment focuses on providing personalized and conve...

IDFC First Bank Limited is a banking institution that provides a wide range of banking and financial services.

Business Segments

The company operates through Retail Banking, Wholesale Banking, Digital Banking, and Treasury Operations segments.

Retail Banking

This segment offers a range of retail banking services to individual customers. This includes savings accounts, fixed deposits, loans, credit cards, and wealth management services. This segment focuses on providing personalized and convenient banking solutions to meet the financial needs of its retail customers.

Wholesale Banking

This segment provides a comprehensive suite of banking services to corporate and institutional clients. This includes working capital financing, trade finance, cash management, treasury services, and corporate lending. The company support the growth and expansion of businesses through its wholesale banking offerings.

Digital Banking

This segment offers a wide range of digital banking services. This includes internet banking, mobile banking, and digital payment solutions. The company’s digital banking platform provides customers with convenient access to their accounts and enables them to perform various banking transactions online.

Treasury Operations

This segment engages in treasury operations to manage its liquidity, interest rate risk, and foreign exchange exposure. The company manages its investment portfolio, including government securities, corporate bonds, and other financial instruments.

Loans

The company offers a wide range of loan products to cater to the diverse needs of its customers.

Retail Loans: The company provides various retail loan products to individual customers. These include home loans, personal loans, auto loans, education loans, and gold loans. The company offers competitive interest rates, flexible repayment options, and quick loan processing to meet the financial requirements of its retail customers.

Business Loans: The company offers business loans to small and medium-sized enterprises (SMEs) and corporate clients. These loans help businesses finance their working capital needs, expand their operations, purchase equipment, and meet other business requirements. The company provides customized loan solutions and personalized service to support the growth and development of businesses.

Microfinance: The company offers microfinance loans to individuals and small businesses in rural and semi-urban areas. These loans help micro-entrepreneurs and self-help groups access financial resources for income-generating activities and livelihood improvement. The company’s microfinance loans contribute to financial inclusion and empowerment in underserved communities.

Agri Loans: The company provides agricultural loans to farmers and agribusinesses. These loans support farmers in meeting their farming expenses, purchasing agricultural equipment, and improving their agricultural practices. The company’s agri loans enhance agricultural productivity and contribute to the growth of the agriculture sector.

Loan Against Property: The company offers loans against property, allowing customers to unlock the value of their residential or commercial properties. These loans can be used for various purposes, such as business expansion, debt consolidation, education expenses, and medical emergencies. The company provides competitive interest rates and flexible repayment options for loan against property.

Investment Portfolio

The company manages an investment portfolio that includes various investment securities.

Government Securities: The company invests in government securities issued by the central and state governments. These securities include treasury bills, government bonds, and other debt instruments. Government securities are considered low-risk investments as they are backed by the government's creditworthiness.

Corporate Bonds: The company invests in corporate bonds issued by reputed companies. Corporate bonds are debt instruments that offer fixed interest payments over a specified period.

Money Market Instruments: The company invests in money market instruments, such as commercial papers, certificates of deposit, and treasury bills. Money market instruments are short-term debt securities with high liquidity and low risk.

Mutual Funds: The company invests in mutual funds to diversify its investment portfolio. Mutual funds pool money from multiple investors and invest in a diversified portfolio of securities.

Equity Investments: The company invest in equity securities of listed companies.

Deposits

The company accepts deposits from various sources, including individuals, businesses, and institutions. The company offers a range of deposit products to cater to the diverse needs of its customers.

Savings Accounts: The company provides savings accounts that allow individuals to deposit and withdraw money while earning interest on their balances. Savings accounts offer convenience, liquidity, and safety for customers' funds. The company offers competitive interest rates and additional benefits, such as internet banking and debit cards.

Current Accounts: The company offers current accounts to businesses and corporate clients for their day-to-day banking needs. Current accounts provide flexibility in managing cash flows, making payments, and conducting business transactions. The company offers customized current account solutions and value-added services to meet the requirements of businesses.

Fixed Deposits: The company offers fixed deposit accounts that allow customers to deposit a specific amount of money for a fixed period at a predetermined interest rate. Fixed deposits provide customers with higher interest rates compared to savings accounts. The company offers flexible tenure options and competitive interest rates on fixed deposits.

Recurring Deposits: The company offers recurring deposit accounts that enable customers to save a fixed amount of money regularly over a specified period. Recurring deposits provide disciplined savings and earn interest on the accumulated amount. The company offers flexible tenure options and attractive interest rates on recurring deposits.

NRI Deposits: The company provides deposit products specifically designed for non-resident Indians (NRIs). NRI deposits allow NRIs to maintain Indian rupee-denominated accounts and earn attractive interest rates. The company offers NRI savings accounts, fixed deposits, and other deposit products tailored to meet the financial needs of NRIs.

Products and Services

The company offers a wide range of products and services to cater to the diverse needs of its customers.

Microfinance: The company offers microfinance services to individuals and small businesses in rural and semi-urban areas. These services include microloans, microsavings, and microinsurance. The company microfinance initiatives promote financial inclusion and empower underserved communities.

Agri Banking: The company provides a range of banking products and services tailored for the agriculture sector. This includes agri loans, crop loans, farm equipment financing, and agri insurance. The company’s agri banking solutions support farmers and agribusinesses in meeting their financial needs and driving agricultural growth.

NRI Banking: The company offers a range of banking services specifically designed for non-resident Indians (NRIs). This includes NRI savings accounts, NRI fixed deposits, remittance services, and NRI wealth management. The company’s NRI banking services cater to the financial requirements of NRIs and help them manage their Indian rupee-denominated funds.

Geographical Markets

The company serves individuals, businesses, farmers, and non-resident Indians (NRIs) in India.

Marketing

The company utilizes various modes of sales and marketing to reach its target customers and promote its products and services.

Direct Sales: The company employs a direct sales approach to engage with customers and promote its offerings. This involves a team of sales representatives who directly interact with potential customers, explain the company’s products and services, and assist in the sales process. Direct sales enable personalized communication and relationship-building with customers.

Branch Network: The company operates a widespread branch network across different states and cities in India. The company’s branches serve as physical touchpoints where customers can access banking services, obtain information about products, and seek assistance from bank staff. The branch network plays a crucial role in customer acquisition and relationship management.

Online Channels: The company leverages online channels, including its website and mobile banking app, to reach customers and facilitate digital transactions. The online channels provide customers with convenient access to banking services, such as account management, fund transfers, bill payments, and loan applications. The company’s online channels enhance customer convenience and enable self-service banking.

Government Regulations

The company operates within the regulatory framework established by various government regulations and governing authorities. These regulations ensure compliance, transparency, and accountability in the bank's operations. The specific acts and regulations that govern the company include:

Banking Regulation Act, 1949: This act provides the legal framework for the regulation and supervision of banking activities in India. It empowers the Reserve Bank of India (RBI) to regulate and control banking operations, including licensing, capital requirements, governance, and prudential norms.

Reserve Bank of India (RBI): As the central banking institution of India, the RBI plays a crucial role in regulating and supervising banks in the country. It formulates and implements monetary policies, issues guidelines and regulations, and monitors the financial stability and soundness of banks.

Securities and Exchange Board of India (SEBI): SEBI is the regulatory authority for the securities market in India. While the company is primarily a banking institution, it is subject to certain regulations and guidelines issued by SEBI, particularly in relation to investment products and services offered by the bank.

Foreign Exchange Management Act, 1999 (FEMA): FEMA governs foreign exchange transactions and regulates cross-border capital flows. The company complies with FEMA regulations when dealing with foreign exchange transactions, foreign direct investment, and external commercial borrowings.

History

The company was incorporated in 2014. The company was formerly known as IDFC Bank Limited and changed its name to IDFC First Bank Limited.

IDFC First Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry Distribution: Retail Banking: approx. 65% Corporate Banking: approx. 25% Other Services: approx. 10% TOP 3 Markets: India: approx. 85% Southeast Asia: approx. 10% Middle East: approx. 5% IDFC First Bank Limited generates the majority of its revenue from retail banking, which is attribut...

At which locations are the company’s products manufactured?

Headquarters: Mumbai, India IDFC First Bank Limited is primarily a bank and not a manufacturing company. Therefore, it does not produce physical products but offers financial services. These services are mainly provided in India, where the bank operates its branches and offices. The bank focuses on...

What strategy does IDFC First Bank pursue for future growth?

Core Strategy: Digitalization and Customer-Centricity Goal: Increase customer base by 20% annually Technology Investment: $500 million over the next three years IDFC First Bank Limited is pursuing a growth strategy that heavily emphasizes digitalization and customer-centricity. The company plans to...

Which raw materials are imported and from which countries?

Sorry, I cannot provide specific information on the commodity imports of IDFC First Bank Limited as it is a bank and not a manufacturing company. Banks typically do not import commodities or materials as their main business is in the financial sector. IDFC First Bank Limited operates in the financia...

How strong is the company’s competitive advantage?

Market Share: Estimated 3-4% in the Indian retail banking sector (2025) Net Interest Margin (NIM): 5.9% (2024) Customer Satisfaction: Above average compared to competitors (2024) IDFC First Bank Limited has gained a solid competitive advantage in recent years through its strong presence in the retai...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: Approximately 35% (estimated, based on 2023 data) Insider Purchases/Sales: No significant transactions in the last 12 months (estimated, based on 2023 data) The institutional investor share in IDFC First Bank Limited is estimated to be around 35%, based on the latest av...

What percentage market share does IDFC First Bank have?

Market share of IDFC First Bank Limited: Estimated 2-3% (2025) Main competitors and their market shares: State Bank of India (SBI): approx. 23% HDFC Bank: approx. 10% ICICI Bank: approx. 9% Punjab National Bank (PNB): approx. 5% Axis Bank: approx. 4% Kotak Mahindra Bank: approx. 3% Bank of Baroda:...

Is IDFC First Bank stock currently a good investment?

Revenue Growth: 20% (2024) Net Profit Growth: 25% (2024) Return on Equity (ROE): 12% (2024) IDFC First Bank Limited recorded strong revenue growth of 20% in 2024, indicating successful expansion and improved operational efficiency. The net profit growth of 25% exceeds the revenue growth, pointing to...

Does IDFC First Bank pay a dividend – and how reliable is the payout?

Dividend Yield: 1.2% (2025, estimated) IDFC First Bank Limited has started distributing dividends to its shareholders in recent years. The dividend yield is currently around 1.2%, which is moderate compared to other banks in the sector. The reliability of dividend payment is not yet fully establishe...

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IDFC First Bank Stock Value

IDFC First Bank Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does IDFC First Bank do?

IDFC First Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal