IDFC First Bank is a private bank in India that started in 2015. It was earlier called IDFC Bank and later merged with Capital First in 2018. The bank has a network of 800+ branches and 900+ ATMs across India. It offers savings accounts, loans, credit cards, and fixed deposits, with interest rates of up to 7% on savings and up to 7.5% on FDs. Customers can use UPI, net banking, and a mobile app for easy transactions. It also provides home, car, and business loans with competitive rates. With ₹2.4 lakh crore in total assets (as of 2023), IDFC First Bank ensures secure and modern banking for all.
IDFC First Bank Share Price Target (2025 – 2030)
| Year | Share Price Target (₹) |
|---|---|
| 2025 | ₹70.45 – ₹80.85 |
| 2026 | ₹90.30 – ₹105.65 |
| 2027 | ₹110.75 – ₹125.20 |
| 2028 | ₹140.90 – ₹155.35 |
| 2029 | ₹160.25 – ₹175.80 |
| 2030 | ₹190.50 – ₹210.95 |
IDFC First Bank Share Price Target – Yearly Analysis (2025-2030)
IDFC First Bank Share Price Target 2025: ₹70.45 – ₹80.85
The stock is expected to grow in 2025 because the bank is performing well, adding more services, and improving its technology. Investors can expect solid returns as the bank continues to expand.
IDFC First Bank Share Price Target 2026: ₹90.30 – ₹105.65
By 2026, IDFC First Bank’s focus on growing loans, increasing net interest margins, and expanding its customer base could push the stock price above ₹100. With better return on equity (ROE) and improved asset quality, the bank may also attract more institutional investors.
IDFC First Bank Share Price Target 2027: ₹110.75 – ₹125.20
With steady growth in retail lending and digital banking, the share price could rise to ₹110 or more. The bank’s efforts to cut bad loans (NPAs) and boost profitability will be key factors driving the price movement.
IDFC First Bank Share Price Target 2028: ₹140.90 – ₹155.35
By 2028, IDFC First Bank could gain more investor trust as it grows in corporate lending and wealth management. If the economy stays stable, the stock might go to ₹150.
IDFC First Bank Share Price Target 2029: ₹160.25 – ₹175.80
IDFC First Bank’s long-term stability, strong credit growth, and better operational efficiency could drive the stock to new highs. If the bank keeps growing profits consistently and continues paying dividends, the price might reach ₹175 or more.
IDFC First Bank Share Price Target 2030: ₹190.50 – ₹210.95
By 2030, IDFC First Bank could become one of the top private banks with a strong digital presence. Thanks to higher revenues, better asset quality, and strong market demand, the stock has the potential to cross ₹200, making it a great long-term investment.
IDFC First Bank – Fundamentals
| Metric | Value |
|---|---|
| Market Cap | ₹41,599 Cr |
| P/E Ratio (TTM) | 21.60 |
| P/B Ratio | 1.10 |
| Industry P/E | 11.77 |
| Debt to Equity | NA |
| ROE (Return on Equity) | 5.10% |
| EPS (TTM) | 2.63 |
| Dividend Yield | 0.00% |
| Book Value | 51.58 |
| Face Value | 10 |
IDFC First Bank – Income Statement (Dec ‘2024)
| Particulars | Dec ‘2024 |
|---|---|
| Revenue (₹ Cr) | 11,123 |
| Expenses (₹ Cr) | 10,702 |
| EBITDA (₹ Cr) | 421.02 |
| EBIT (₹ Cr) | 421.02 |
| Profit Before Tax (₹ Cr) | 421.02 |
| Net Profit (₹ Cr) | 339.43 |
IDFC First Bank – Financial Ratios (Dec ‘2024)
| Metric | Dec ‘2024 |
|---|---|
| Operating Profit Margin | 52.04% |
| Net Profit Margin | 3.63% |
| Earnings Per Share (EPS) | 0.46 |
| Dividends Per Share | 0.00 |
Read More: HDFC Bank Share Price Targets
IDFC First Bank – Balance Sheet (2024)
| Particulars | 2024 (₹ Cr) |
|---|---|
| Total Assets | ₹2,96,210 Cr |
| Current Assets | ₹16,221 Cr |
| Non-Current Assets | ₹2,96,210 Cr |
| Total Liabilities | ₹2,63,936 Cr |
| Current Liabilities | ₹2,10,231 Cr |
| Non-Current Liabilities | ₹53,706 Cr |
| Total Equity | ₹32,274 Cr |
| Common Stock | ₹7,070 Cr |
| Other Equity Total | ₹25,204 Cr |
| Total Common Shares Outstanding | 706.99 |
| Debt to Equity Ratio | 0.00 |
| Book Value | ₹45.65 |
IDFC First Bank – Shareholding Pattern (Dec ‘2024)
| Category | Holding (%) |
|---|---|
| Retail and Others | 56.74% |
| Foreign Institutions | 27.12% |
| Other Domestic Institutions | 11.58% |
| Mutual Funds | 4.56% |
Conclusion
IDFC First Bank has shown strong financial growth over the years, with increasing assets, expanding services, and a solid digital presence. The bank’s focus on retail lending, corporate financing, and technology-driven banking positions it well for future growth.
The IDFC First Bank Share Price Target analysis suggests a steady upward trend, with the stock expected to reach ₹190 – ₹210 by 2030. The bank’s low debt-to-equity ratio, improving profitability, and strong investor interest make it an attractive long-term investment.
FAQ
Does IDFC First Bank provide international banking services?
Yes, IDFC First Bank offers international banking services, including forex trading, NRI accounts, remittance services, and international debit/credit cards.
Is IDFC First Bank profitable?
Yes, in Dec 2024, the bank reported a net profit of ₹339.43 Cr, showing steady financial growth and profitability.
Does IDFC First Bank have a good return on equity (ROE)?
The bank’s ROE (Return on Equity) is 5.10%, indicating moderate profitability and growth potential.
Is IDFC First Bank a good stock for long-term investment?
Yes, IDFC First Bank is expanding its financial services, increasing its digital banking presence, and maintaining strong financials. The expected share price growth makes it a potential long-term investment opportunity.
