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IDFC First Bank share price

IDFC First Bank Ltd.

NSE: IDFCFIRSTB BSE: 539437 SECTOR: Bank - Private  9.89 L   5.61 K   2.02 K

77.24
+4.42 (6.07%)
BSE: 01 Jul 04:01 PM

Price Summary

Today's High

₹ 77.35

Today's Low

₹ 72.86

52 Week High

₹ 82.09

52 Week Low

₹ 52.5

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

56650.33 Cr.

CASA %

47.25

No. of Shares

733.43 Cr.

P/E

37.15

P/B

1.49

Face Value

₹ 10

Div. Yield

0.32 %

Book Value (TTM)

₹  51.73

Net Interest Income

16450.76 Cr.

Cost To Income %

72.22

Promoter Holding

0 %

EPS (TTM)

₹  2.08

CAR %

16.11

ROE

10.23 %

ROCE

9.11%

Profit Growth

21.31 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 38Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year10.23%
3 Year7.14%
5 Year1.41%

ROA%

1 Year1.1%
3 Year0.77%
5 Year0.16%

Net NPA%

1 Year0.6%
3 Year1%
5 Year1.16%

 NIM

1 Year5.84%
3 Year5.6%
5 Year5.23%

CAR %

16.11

Cost of Liabilities %

5.5153

PEG Ratio

2.74

Advances Growth %

28.1946

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 35.37 0.00
Jun 2024 37.37 0.00
Mar 2024 37.43 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 5.60276529341816% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.996666666666667%.
  • CASA stands at 47.248% of total deposits.
  • Good Capital Adequacy Ratio of 16.11%.
  • The company has delivered good Profit growth of 86.978053223602% over the past 3 years.
  • The company has delivered good Income growth of 23.8336036397786% over the past 3 years.
  • Strong Advances growth of 24.6180812450732% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.772884905056043%
  • Company has a low ROE of 7.14211419249293% over the last 3 years.
  • High Cost to income ratio of 72.2218%.
  • Increase in Provision and contingencies of 43.05748044006% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 8219.21 8788.6 8956.93 9343.02 9412.94
Other Income 1642 1619.15 1727.3 1779.85 1895.41
Interest Expended 3750.34 4093.7 4169.08 4440.96 4505.78
Operating Expenses 4446.96 4431.6 4553.3 4922.97 4990.96
Total Provisions 722.31 994.4 1731.94 1337.92 1450.47
Profit Before Tax 941.6 888.05 229.91 421.02 361.14
Tax 217.25 207.4 29.22 81.59 57.06
Net Profit 724.35 680.65 200.69 339.43 304.08
Net NPA % 0.6 0.59 0.48 0.52 0.53
Gross NPA % 1.88 1.9 1.92 1.94 1.87
Return on Assets % 1.03 0.91 0.25 0.41 0.36
NPM % 8.81 7.74 2.24 3.63 3.23

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 16307.56 15967.86 17172.68 22727.54 30322.5
Other Income 1722.16 2211.33 3222.04 4466.97 6001.99
Interest Expended 10232 8587.6 7466.52 10092.21 13871.75
Operating Expenses 5860.99 7093.28 9644.45 12170.35 16215.78
Total Provisions 4315.26 2022.53 3108.58 1664.82 2381.65
Profit Before Tax -2378.52 475.78 175.17 3267.13 3855.32
Taxes 485.69 23.5 29.68 830 898.81
Net Profit -2864.21 452.28 145.49 2437.13 2956.51
Adjusted EPS (Rs.) -5.95 0.8 0.23 3.68 4.18

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 4809.9 5675.85 6217.71 6618.12 7069.92
Total Reserves 10532.7 12131.95 14769.65 19065.93 25032.46
Deposits 65107.97 88688.42 105634.36 144637.31 200576.31
Borrowings 57397.19 45786.09 52962.6 57212.09 50935.57
Other Liabilities 11352.64 10861.48 10581.16 12371.1 12441.91
Total Liabilities 149200.4 163143.88 190181.61 239941.66 296115.1
Assets
Balance with RBI 3379.92 4745.93 11389.92 10739.74 11075.02
Balance with Banks 810.86 1081.93 4367.99 3158.22 1405.19
Investments 45404.58 45411.74 46144.84 61123.55 74710.39
Advances 85595.36 100550.13 117857.8 151794.53 194592.37
Net Block 964.66 1201.15 1281.81 1876.18 2524.91
Other Assets 12971.95 10087.74 9059.84 11035.49 11712.7
Total Assets 149200.4 163143.88 190181.61 239941.66 296115.1
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 39.37 37.45 37.43 37.37 35.37
idfc financial holding co... 39.37 37.45 37.43 37.37 35.37
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 62.57 62.63 64.63 100.00 100.00
ashish dhawan - - - 1.19 1.26
gqg partners emerging mar... 1.10 2.35 2.22 2.63 1.69
hdfc life insurance compa... - - 1.55 2.35 2.37
icici prudential life ins... 1.02 1.02 1.23 1.82 2.33
investor education and pr... 0.01 - 0.01 - 0.02
kotak mahindra trustee co... - - - - 1.14
life insurance corporatio... - - - 2.76 2.76
odyssey 44 a s 3.82 3.81 3.61 3.69 3.69
president of india 3.70 3.69 3.49 9.11 9.10
president of india is an ... - - - - 9.10
tata aia life insurance c... - - - - 1.06
tata indian opportunities... - - - 1.02 1.02
tata mid cap growth fund - - - - 1.59
investor education and pr... - 0.01 - 0.02 -
tata aia life insurance c... - - - 1.09 -
tata large and mid-cap fu... - - - 1.56 -
lici health plus non unit... - - 2.68 - -
tata aia life insurance c... - - 1.07 - -
tata aia life insurance c... - 1.37 - - -
cloverdell investment ltd... 2.25 - - - -
goldman sachs trust ii - ... 1.88 - - - -

Annual Reports

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Concalls & Presentations

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Company News

IDFC FIRST Bank informs about board meeting 27 Jun, 4:55 PM IDFC First Bank informs about grant of stock options under ESOS 24 Jun, 4:21 PM IDFC FIRST Bank informs about allotment of equity shares under ESOS 10 Jun, 2:15 PM Currant Sea Investments B.V. gets nod to acquire around 10% stake in IDFC FIRST Bank 4 Jun, 2:51 PM IDFC First Bank informs about update 20 May, 2:58 PM IDFC FIRST Bank informs about scrutinizer’s report and declaration of result of e-voting 19 May, 10:57 AM IDFC First Bank reports 60% fall in Q4 consolidated net profit 28 Apr, 3:30 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank informs about press release 17 Apr, 10:24 AM IDFC First Bank reports 23% growth in total business in Q4FY25 3 Apr, 3:20 PM IDFC First Bank informs about updates 3 Apr, 3:13 PM IDFC First Bank unveils ACE feature on mobile banking app 20 Mar, 12:22 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank launches UPI enabled RuPay Credit Card 22 Jan, 10:57 AM IDFC First Bank informs about disclosure 17 Jan, 3:23 PM IDFC First Bank integrates with Income Tax Portal to collect direct tax on behalf of CBDT 10 Jan, 12:59 PM IDFC First Bank reports 25% growth in total business in Q3FY25 3 Jan, 5:14 PM IDFC FIRST Bank informs about allotment of equity shares 7 Dec, 3:16 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC FIRST Bank informs about analysts call 23 Oct, 4:19 PM IDFC FIRST Bank informs about grant of stock options under ESOS 19 Oct, 3:31 PM IDFC FIRST Bank informs about certificate 15 Oct, 5:37 PM IDFC FIRST Bank submits BRSR 7 Aug, 5:08 PM IDFC First Bank reports 12% fall in Q1 consolidated net profit 29 Jul, 12:30 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank informs about grant of stock option 19 Jun, 12:28 PM IDFC First Bank informs about declaration 18 May, 11:40 AM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC FIRST Bank informs about analyst meet 15 Mar, 5:27 PM IDFC First Bank informs about analyst meet 7 Feb, 5:06 PM IDFC First Bank reports 19% rise in Q3 consolidated net profit 22 Jan, 11:00 AM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank informs about compliance certificate 12 Jan, 3:11 PM IDFC FIRST Bank, LIC Cards, Mastercard collaborate to launch co-branded credit card 15 Dec, 4:00 PM Warburg Pincus divests 1.3% stake in IDFC FIRST Bank 8 Dec, 10:13 AM IDFC First Bank launches digital RuPay credit card 7 Dec, 3:41 PM IDFC First Bank reports 32% rise in Q2 consolidated net profit 30 Oct, 10:30 AM IDFC First Bank - Quaterly Results 28 Oct, 4:24 PM

IDFC First Bank Stock Price Analysis and Quick Research Report. Is IDFC First Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

IDFC First Bank stock price today is Rs 77.24. Let’s look at how IDFC First Bank is performing and if it is the right time to buy the stock of IDFC First Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. IDFC First Bank has earned Rs 30322.5012 Cr. revenue in the latest financial year. IDFC First Bank has posted outstanding revenue growth of 23.8336036397786 % in last 3 Years.

  • In terms of advances, IDFC First Bank reported 28.1946 % YOY,  rise . If you see 3 years advance growth, it stands at 24.6180812450732 %.

  • Currently, IDFC First Bank has a CASA ratio of 47.248 %. It’s overall cost of liability stands at 5.5153 %. Also, the total deposits of IDFC First Bank from these accounts stood at Rs 200576.3123 Cr.

  • IDFC First Bank has a average ROA track record. The ROA of IDFC First Bank is at 1.1031 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.88 % and 0.6 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 43.05748044006 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of IDFC First Bank surged and is currently at Rs 6001.9939 Cr.

  • IDFC First Bank has a Good Capital Adequacy Ratio of 16.11 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently IDFC First Bank is trading at a P/B of 1.4923 . The historical average PB of IDFC First Bank was 1.33789424654851.

  • Share Price: - The current share price of IDFC First Bank is Rs 77.24. One can use valuation calculators of ticker to know if IDFC First Bank share price is undervalued or overvalued.

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Brief about IDFC First Bank

Current IDFC First Bank Share Price

The latest IDFC First Bank share price on the National Stock Exchange (NSE) is Rs 72.00 as of 3:30 PM IST on June 24, 2025. This shows a gain of +1.39% compared to its previous close of Rs 71.01. The IDFC First Bank stock price on BSE also reflects similar positive movement today. For the most current, regularly updated IDFC First Bank share price, please refer to the live ticker section located above on this page. That section provides a real-time IDFCFIRSTB share price summary, including the day's high/low (Rs 72.45 / Rs 71.20) and the 52-week high/low (Rs 83.70 / Rs 52.46).

IDFC First Bank Share Returns Performance

IDFC First Bank's returns performance over various periods is as follows (data as of June 23, 2025, unless otherwise specified):

  • 1 Week: +0.69%
  • 1 Month: +4.48%
  • 3 Months: +25.99%
  • 1 Year: -16.28%
  • 5 Years: +171.53%

These IDFC First Bank share returns indicate a mixed trend. While the IDFC First Bank share has shown positive momentum over the past week, month, and three months, it has seen a decline over the last year. However, the IDFC First Bank stock price history demonstrates significant long-term growth, with impressive multi-bagger returns over the 5-year period. This suggests that despite recent short-term pressures, the IDFCFIRSTB historical returns point to a strong underlying growth story. As detailed in the interactive charts and data section above on this webpage, you can explore the share price chart and analyse its returns generated over various specific time frames, such as one week, one month, six months, one year, three years, and five years.

Latest News Impacting IDFC First Bank Share Price

Several key pieces of recent news have been influencing the IDFC First Bank share value:

  • Q4 FY25 Results: IDFC First Bank reported a significant decline in its standalone net profit by 58% year-on-year to Rs 304 crore for Q4 FY25. This was primarily attributed to higher provisions and challenges in the microfinance portfolio. Ho
    wever, Net Interest Income (NII) showed growth of 9.8% year-on-year to Rs 4,907 crore, and deposits grew robustly by 25.2% year-on-year.
     
  • RBI Rate Cut Impact: In early June 2025, the IDFC First Bank share price surged significantly following the Reserve Bank of India's decision to cut the repo rate by 50 basis points and the cash reserve ratio (CRR) by 100 basis points. These measures were seen as injecting liquidity into the banking system, potentially boosting credit growth and benefiting banks.
  • Microfinance Portfolio Challenges: The bank has been impacted by stress in its microfinance portfolio, which led to increased provisions in Q4 FY25 and a decline in Net Interest Margin (NIM) for the quarter. However, the bank has stated that it is actively reducing its exposure to this segment, with the microfinance portfolio proportion shrinking from 6.6% to 4.0% of the total loan book.

     

  • Reverse Merger: The bank recently completed a reverse merger with its parent company, IDFC Limited, which became effective in 2024. This merger aims to simplify the corporate structure and consolidate business operations.

     

Conclusion on IDFC First Bank Stock Price

The IDFC First Bank share price outlook is currently influenced by a mixed set of factors. While the recent Q4 FY25 results showed a dip in quarterly profit due to microfinance sector challenges and higher provisions, the underlying growth in deposits and NII remains healthy. The bank's long-term performance and strategic moves like the reverse merger and deleveraging of certain portfolios suggest a focus on sustainable growth. The IDFCFIRSTB stock analysis indicates that despite some near-term headwinds, the IDFC First Bank share value could hold long-term potential as the bank continues to improve its asset quality and expand its core banking operations.

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