IDFC First Bank

IDFC First Bank

69.24
-1.07
(-1.52%)
Market Cap
50,774.45 Cr
EPS
2.04
PE Ratio
39.71
Dividend Yield
0.36 %
Industry
Banks
52 Week High
78.45
52 Week Low
52.46
PB Ratio
1.34
Debt to Equity
0.00
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from18 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+50.00 %
+50.00 %
Hold
Hold+33.33 %
+33.33 %
Sell
Sell+16.67 %
+16.67 %

Company News

View All News
Caret
neutral
IDFC FIRST Bank CEO Expects Lower Slippages and Credit Costs Despite Margin Pressures2 days ago
IDFC FIRST Bank experienced margin contraction in the first quarter due to reduced micro-finance share in its loan book composition. CEO V. Vaidyanathan expects margin relief from the third quarter onwards as repo rate cuts impact fixed deposit repricing. The bank reported a 32% year-on-year decline in standalone net profit to Rs 463 crore, primarily due to a 67% increase in provisions and contingencies from micro-finance book slippages. Non-micro-finance slippages remain seasonal and system-wide. Credit costs are projected to decrease in the latter half of the fiscal year. The bank is seeing strong customer response and improved branch productivity. Rural wage growth trends remain positive. Morgan Stanley maintained an 'Equal-weight' rating while trimming target price, while Jefferies retained a 'Buy' rating and increased target price, citing potential for lower future slippages and credit costs.
negative
IDFC First Bank reported a net profit of 4.6 billion rupees for the quarter, down from 6.8 billion rupees in the same period last year, representing a 32% year-on-year decline. However, the bank's revenue increased to 96 billion rupees from 87.8 billion rupees year-on-year, showing 9.3% growth. Asset quality metrics showed some deterioration with Gross Non-Performing Assets (GNPA) rising to 1.97% from 1.87% quarter-on-quarter, while Net Non-Performing Assets (NNPA) increased marginally to 0.55% from 0.53% quarter-on-quarter.
negative
IDFC FIRST Bank Net Profit Falls 32% Due to Higher Provisions on Microfinance Book4 days ago
IDFC FIRST Bank reported a standalone net profit of Rs 463 crore, declining 32% year-on-year due to increased provisions against bad loans. Provisions and contingencies surged 67% to Rs 1,659 crore, primarily driven by slippages in the microfinance portfolio. The gross NPA ratio increased to 1.97% from 1.87% in the previous quarter, while net NPA rose to 0.55% from 0.53%. Net interest income grew 5.1% to Rs 4,933 crore, though net interest margin compressed to 5.71%. Total advances expanded 21% year-on-year, led by mortgage, vehicle, business banking, MSME and wholesale loans contributing 82% of growth. The microfinance portfolio contracted 37% year-on-year, reducing its share of the loan book to 3.3% from 6.3% previously. Wholesale lending grew 39% to Rs 49,279 crore, while deposits increased 26% to Rs 2.56 lakh crore.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
2,025.80
#1 15,53,365.95
21.99
#1 4,70,915.90
15.42
#1 73,440
-0.57
59.85
1,482.40
10,57,696.25
20.05
1,86,331.00
26.78
55,507
16.00
62.20
1,959.70
3,89,642.59
20.49
1,07,095.00
13.60
21,946
-39.96
26.97
1,073.30
3,32,838.64
#1 11.86
1,55,916.90
12.99
28,112
-2.90
25.70
94.17
1,01,255.37
12.64
34,058.70
12.14
7,656
16.37
43.80
801.90
62,472.49
62.46
48,667.70
23.81
2,575
-72.17
36.91
19.22
60,279.06
22.30
37,075.60
23.98
2,447
#1 56.72
35.95
69.24
#8 50,774.45
#9 39.71
#6 43,478.30
#5 19.92
#10 1,490
#7 -29.43
33.72
204.68
50,309.90
12.12
28,106.10
#1 32.27
4,201
12.48
37.64
168.27
27,107.82
13.59
21,948.20
14.48
2,745
-65.02
36.86
Forecast
Actual
Growth Rate
Revenue Growth
19.92 %
Net Income Growth
-49.35 %
Cash Flow Change
25.32 %
ROE
-57.13 %
ROCE
-7.19 %
EBITDA Margin (Avg.)
-9.56 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Revenue
2,577
2,519
3,989
3,971
4,177
4,454
4,778
4,576
4,434
4,091
4,840
4,811
4,932
4,830
5,199
5,385
5,777
6,531
7,064
7,822
8,233
8,766
9,396
9,863
10,363
10,684
11,123
11,308
11,869
Expenses
470
1,132
3,900
1,863
2,515
1,619
3,827
2,066
2,093
1,814
2,441
2,724
3,894
2,823
2,958
3,031
2,957
3,304
3,612
3,901
4,114
4,377
4,874
5,164
5,417
6,271
6,260
6,459
6,589
EBITDA
278
-494
-2,428
-407
-955
181
-1,614
118
136
137
190
56
-865
179
391
470
650
760
827
1,094
996
983
930
948
853
245
422
344
571
Operating Profit %
80 %
53 %
-5 %
50 %
35 %
61 %
9 %
50 %
47 %
54 %
40 %
32 %
5 %
31 %
33 %
33 %
40 %
40 %
39 %
39 %
40 %
40 %
38 %
37 %
38 %
30 %
33 %
31 %
32 %
Depreciation
47
51
60
0
0
77
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
1,829
1,882
2,518
2,515
2,617
2,654
2,565
2,392
2,205
2,140
2,208
2,032
1,904
1,828
1,849
1,884
2,170
2,467
2,626
2,827
3,122
3,406
3,592
3,750
4,093
4,169
4,441
4,505
4,709
Profit Before Tax
231
-545
-2,488
-407
-955
104
-1,614
118
136
137
190
56
-865
179
391
470
650
760
827
1,094
996
983
930
948
853
245
422
344
571
Tax
39
-187
-959
-195
-343
781
18
42
36
28
53
-81
-244
68
101
118
165
193
210
278
265
236
198
217
210
33
82
49
118
Net Profit
192
-358
-1,529
-212
-612
-677
-1,632
76
100
109
137
137
-621
111
290
352
485
567
617
816
732
747
732
732
643
212
340
296
454
EPS in ₹
0.56
-1.05
-3.20
-0.44
-1.28
-1.41
-3.41
0.16
0.20
0.19
0.24
0.24
-1.01
0.18
0.47
0.57
0.78
0.91
0.99
1.30
1.10
1.12
1.04
1.04
0.91
0.28
0.46
0.40
0.62

Balance Sheet

Balance Sheet
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
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
933
797
940
999
1,370
1,448
2,054
2,720
2,802
Current Assets
10,326
11,460
19,057
15,292
13,903
22,901
23,475
23,202
26,527
Capital Work in Progress
6
3
34
75
65
79
219
95
74
Investments
50,164
60,904
58,245
45,174
45,182
45,935
60,913
74,500
80,505
Other Assets
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 Liabilities
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
Current Liabilities
7,027
5,781
8,563
11,279
10,850
10,561
12,353
12,430
14,759
Non Current Liabilities
1,05,037
1,20,601
1,58,536
1,37,880
1,52,222
1,79,584
2,27,529
2,83,780
3,29,150
Total Equity
14,677
15,274
18,199
15,404
17,900
21,082
25,848
32,274
38,156
Reserve & Surplus
11,277
11,870
13,418
10,594
12,224
14,864
19,229
25,204
30,834
Share Capital
3,399
3,404
4,782
4,810
5,676
6,218
6,618
7,070
7,322

Cash Flow

Cash Flow
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
2,236
-263
4,649
-5,363
1,610
9,929
-1,924
-1,298
2,618
Investing Activities
-4,918
-1,027
-494
-3,790
-2,833
-2,961
-11,996
-9,887
-3,174
Operating Activities
14,128
-5,978
17,364
10,966
14,042
2,679
3,563
11,543
14,465
Financing Activities
-6,974
6,742
-12,220
-12,539
-9,598
10,211
6,509
-2,954
-8,673

Share Holding

% Holding
Mar 2021
Apr 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Oct 2023
Dec 2023
Mar 2024
Jun 2024
Jul 2024
Sept 2024
Oct 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
39.98 %
36.60 %
36.56 %
36.52 %
36.51 %
36.49 %
36.48 %
36.47 %
36.38 %
39.99 %
39.93 %
39.37 %
37.51 %
37.45 %
37.43 %
37.37 %
35.39 %
35.37 %
0.00 %
0.00 %
0.00 %
0.00 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
7.58 %
7.56 %
7.13 %
7.12 %
2.87 %
26.05 %
2.25 %
23.65 %
21.02 %
19.91 %
19.57 %
27.30 %
27.12 %
25.68 %
23.80 %
DIIs
11.13 %
17.10 %
4.02 %
4.24 %
4.39 %
3.89 %
5.43 %
9.32 %
9.63 %
7.69 %
7.72 %
5.59 %
7.10 %
6.00 %
6.81 %
7.93 %
12.82 %
11.74 %
16.20 %
16.14 %
19.30 %
23.40 %
Government
4.61 %
4.22 %
4.21 %
4.21 %
4.21 %
4.20 %
4.20 %
4.23 %
4.22 %
3.98 %
3.97 %
3.91 %
3.73 %
3.72 %
3.72 %
3.72 %
3.52 %
3.52 %
9.17 %
9.17 %
9.16 %
9.15 %
Public / Retail
20.26 %
18.52 %
20.97 %
23.21 %
23.19 %
24.51 %
26.89 %
26.12 %
25.72 %
24.70 %
23.27 %
22.17 %
21.81 %
23.55 %
24.36 %
25.74 %
24.37 %
25.60 %
39.49 %
40.41 %
39.04 %
37.15 %
Others
24.03 %
23.55 %
34.24 %
31.82 %
31.72 %
30.90 %
26.99 %
16.27 %
16.49 %
16.52 %
17.99 %
26.09 %
3.79 %
27.03 %
4.02 %
4.22 %
4.00 %
4.20 %
7.84 %
7.17 %
6.82 %
6.50 %
No of Share Holders
11,83,360
11,82,730
13,46,960
14,49,850
15,17,330
15,68,960
16,39,150
16,11,340
16,42,940
17,08,380
17,37,960
20,38,990
20,93,680
23,82,670
26,11,510
27,63,050
27,63,050
28,56,380
32,04,140
32,94,940
32,78,260
31,54,470

Dividend History

Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.75 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield (%) 0.00 1.58 1.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
29 Jul 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Jul 2025 77.86 70.72
26 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
26 Jul 2025 71.91 70.70
11 Jul 2025 DIVIDEND Dividend
₹ 0.25 /share
11 Jul 2025 66.15 76.64
26 Apr 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
26 Apr 2025 57.00 66.15
25 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
25 Jan 2025 61.78 62.27
26 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
26 Oct 2024 73.02 65.53
10 Oct 2024 MERGER - DEMERGER Merger - Demerger
100:155
10 Oct 2024 72.50 72.50
30 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
30 Aug 2024 71.73 73.24
17 May 2024 EXTRAORDINARY GENERAL MEETING Extraordinary General Meeting
NA
17 May 2024 78.06 77.04
24 Oct 2018 CHANGE OF NAME Change Of Name
NA
24 Oct 2018 34.40 34.40

Announcements

Shareholder Meeting / Postal Ballot-Outcome of AGM23 hours ago
Shareholder Meeting / Postal Ballot-Scrutinizers Report23 hours ago
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS2 days ago
Audio Recording Of Earnings Call (Q1-FY26)3 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release4 days ago
Announcement under Regulation 30 (LODR)-Press Release / Media Release4 days ago
Financial Results Of The Bank For The Quarter Ended June 30 2025.4 days ago
Update On Fund RaiseJul 19, 2025
Earnings Call For Period Ended June 30 2025Jul 17, 2025
Grant Of Stock Options Under IDFC FIRST Bank Limited -Employee Stock Option Scheme.Jul 16, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 11, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 09, 2025
Newspaper Publication Regarding Dispatch Of Notice Of The Annual General Meeting (AGM) Integrated Annual Report Of The Bank For Financial Year 2024-25 And E-Voting Related Matters.Jul 07, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 05, 2025
Notice Of Annual General Meeting Dated July 29 2025.Jul 05, 2025
Reg. 34 (1) Annual Report.Jul 05, 2025
Record DateJul 03, 2025
Board Meeting Outcome for Board Meeting Outcome.Jul 03, 2025
Closure of Trading WindowJun 27, 2025
Board Meeting Intimation for Considering And Approving The Unaudited Standalone And Consolidated Financial Results Of The Bank For The Quarter Ended June 30 2025Jun 27, 2025
Grant Of Stock Options Under IDFC FIRST Bank Limited -Employee Stock Option Scheme.Jun 24, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 22, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 10, 2025
Update On Fund Raise - Approval Received By Currant Sea Investments B.V. From The Competition Commission Of India In Relation To Its Proposed Investment In IDFC FIRST Bank Limited.Jun 04, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 30, 2025
Schedule Of Analysts / Institutional Investors Meets - IntimationMay 28, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 23, 2025
Update On Fund Raise And Other ProposalsMay 20, 2025
Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMay 19, 2025
Announcement under Regulation 30 (LODR)-Credit RatingMay 17, 2025
Schedule Of Analysts / Institutional Investors Meets - IntimationMay 15, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 07, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 03, 2025
Audio Recording Of Earnings Call (Q4-FY25)Apr 26, 2025
Outcome Of Board Meeting - April 26 2025Apr 26, 2025
Audited Standalone And Consolidated Financial Results Of The Bank For The Quarter And Financial Year Ended March 31 2025Apr 26, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationApr 26, 2025
Board Meeting Outcome for Outcome Of Board Meeting - DividendApr 26, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 26, 2025
Board Meeting Outcome for Audited Standalone And Consolidated Financial Results Of The Bank For The Quarter And Financial Year Ended March 31 2025Apr 26, 2025
Update on board meetingApr 23, 2025
Earnings Call For Period Ended March 31 2025.Apr 21, 2025
Grant Of Stock Options Under IDFC FIRST Bank Limited - Employee Stock Option Scheme.Apr 21, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationApr 18, 2025
Monetary Penalty By Reserve Bank Of IndiaApr 17, 2025
Shareholder Meeting / Postal Ballot-Notice of Postal BallotApr 17, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationApr 17, 2025
Press Release And Presentation On Fund Raising By The BankApr 17, 2025
Board Meeting Outcome for Outcome Of Board Meeting - April 17 2025Apr 17, 2025
Board Meeting Intimation for Preferential Issue.Apr 14, 2025

Technical Indicators

RSI(14)
Neutral
37.36
ATR(14)
Less Volatile
1.61
STOCH(9,6)
Oversold
19.92
STOCH RSI(14)
Oversold
0.11
MACD(12,26)
Bearish
-0.69
ADX(14)
Weak Trend
23.78
UO(9)
Bearish
43.31
ROC(12)
Downtrend But Slowing Down
-5.33
WillR(14)
Oversold
-83.18

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
Sundaram Mid Cap Fund Direct-Growth
1.05%
18512421
1.05%
1.05%
Kotak Arbitrage Fund Direct-Growth
0.21%
-17350625
-0.17%
-0.27%
Franklin India Opportunities Direct Fund-Growth
1.55%
15317159
1.55%
1.55%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.50%
-14450425
-0.45%
-0.19%
SBI Arbitrage Opportunities Fund Direct-Growth
0.72%
-10568450
-0.24%
-0.14%
Tata Small Cap Fund Direct - Growth
3.85%
9050000
0.63%
0.41%
Invesco India Arbitrage Fund Direct-Growth
1.47%
-5575975
-0.17%
-0.39%
Franklin India Mid Cap Fund Direct-Growth
1.00%
4500000
0.28%
0.45%
ITI Small Cap Fund Direct-Growth
0.00%
-3732527
-1.01%
0.00%
Tata Large Cap Direct Plan-Growth
0.00%
-3440345
-0.90%
-0.88%
Baroda BNP Paribas Midcap Fund Direct-Growth
1.05%
3200000
1.05%
1.05%
Bandhan Large & Mid Cap Fund Direct-Growth
0.99%
2776255
0.21%
0.99%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.61%
2533350
0.06%
0.42%
Bandhan Balanced Advantage Fund Direct-Growth
0.51%
1615348
0.51%
0.51%
Tata Large & Mid Cap Fund Direct Plan-Growth
3.69%
1491627
0.23%
0.29%
Baroda BNP Paribas Arbitrage Fund Direct - Growth
3.14%
-1316525
-0.30%
-0.57%
Edelweiss Arbitrage Fund Direct-Growth
1.43%
1284825
0.16%
0.40%
Tata Arbitrage Fund Direct - Growth
0.52%
-1102925
-0.05%
0.11%
Bandhan Financial Services Fund Direct-Growth
0.67%
1000527
0.67%
0.67%
Bandhan ELSS Tax Saver Fund Direct Plan-Growth
1.12%
1000000
0.14%
0.55%
Bandhan Value Fund Direct-Growth
1.14%
1000000
0.12%
0.48%
HSBC Arbitrage Fund Direct-Growth
3.48%
-966000
-0.30%
-0.06%
Mirae Asset Arbitrage Fund Direct - Growth
0.54%
743775
0.21%
0.37%
Motilal Oswal Arbitrage Fund Direct-Growth
0.54%
-739225
-0.69%
-0.73%
Bajaj Finserv Flexi Cap Fund Direct-Growth
0.84%
-707412
-0.09%
-0.12%

About IDFC First Bank

IDFC First Bank Limited is a universal bank headquartered in Mumbai, India. It was granted approval by the Reserve Bank of India in 2014 and began operations in 2015. The bank provides a wide range of banking and financial services, including retail banking, wholesale banking, digital banking, and treasury operations. IDFC First Bank has a national presence with 944 branches, 754 Corporate Business Correspondent branches, and 1,164 ATMs across India as of March 31, 2024. The bank offers corporate banking, trade finance, treasury products, SME banking, wealth management, NRI banking, and other financial services. It has expanded its retail lending operations and built a diverse customer base. The bank has undergone mergers and acquisitions, including the amalgamation with Capital First in 2018 and the recent merger with IDFC Limited in 2023-24.
Chairperson NameSanjeeb Chaudhuri