IDFC First Bank

Why is IDFC First Bank Ltd. falling/rising?

As of 02-Aug, IDFC First Bank Ltd. is experiencing a slight decline in its stock price to Rs 84.70, with a total decline of -1.24% over the last three days and reduced trading activity. Despite this, the stock has shown strong long-term performance, increasing by +23.22% over the past year, supported by robust fundamentals.

As of 02-Aug, IDFC First Bank Ltd. is experiencing a slight decline in its stock price, currently at Rs 84.70, which reflects a change of -0.03 (-0.04%). This decrease follows a trend where the stock has been losing for the last three days, resulting in a total decline of -1.24% during this period. Additionally, there has been a notable drop in investor participation, with the delivery volume on 30 July falling by -63.26% compared to the 5-day average, indicating reduced trading activity.<BR><BR>Despite these short-term challenges, the stock has shown strong performance over longer periods. For instance, it has increased by +4.79% over the past week and +7.36% over the past month, significantly outperforming the Sensex, which rose by +2.68% and +1.52%, respectively. Moreover, the stock has generated a remarkable return of +23.22% over the past year, far exceeding the market's average return of +1.95%.<BR><BR>The company's fundamentals remain robust, with a strong long-term growth trajectory evidenced by a 59.39% CAGR growth in net profits and a healthy increase in net interest income. Furthermore, the stock is trading above its moving averages, suggesting a generally positive trend. However, the recent consecutive falls and declining investor participation are contributing to the current downward pressure on the stock price.

Which are the latest news on IDFC First Bank?

Should I buy, sell or hold IDFC First Bank Ltd.?

Are IDFC First Bank Ltd. latest results good or bad?

IDFC First Bank's latest results show strong profit growth, with a net profit of ₹1,074.96 crores and improved asset quality; however, concerns about high reliance on non-operating income and a low return on equity suggest caution regarding sustainability.

IDFC First Bank's latest results present a mixed picture. On one hand, the bank reported a significant net profit of ₹1,074.96 crores for Q1 FY27, which is a remarkable increase of 237.04% quarter-on-quarter and 132.39% year-on-year. This surge in profit was largely driven by a substantial decline in provisions and contingencies, which fell by 31.56%, alongside a healthy growth in net interest income, which reached an all-time high of ₹5,972.40 crores.<BR><BR>Additionally, the bank's asset quality has shown steady improvement, with gross NPAs declining to 1.51% and net NPAs to 0.44%, both of which are multi-quarter lows. This indicates effective recovery mechanisms and better control over slippages.<BR><BR>However, there are concerns regarding the bank's elevated reliance on non-operating income, which constituted a staggering 163.94% of profit before tax. This raises questions about the sustainability of the profit figures, as it suggests that core banking operations alone may not be sufficient to support such high profitability levels. Furthermore, the return on equity (ROE) stands at a modest 3.48%, significantly trailing behind private sector peers, indicating potential inefficiencies in capital utilization.<BR><BR>In summary, while the latest results show strong profit growth and improving asset quality, the reliance on non-operating income and low ROE suggest caution. The bank is on a promising transformation journey, but execution risks and valuation concerns remain.

What does IDFC First Bank do?

IDFC First Bank Ltd. is a private sector bank in India, offering a variety of banking services since its incorporation in 2014. As of March 2026, it reported net sales of ₹10,552.77 crore and a net profit of ₹319 crore, with a market capitalization of ₹63,617 crore.

Overview: <BR>IDFC First Bank Ltd. is a private sector bank operating in the mid-cap category, providing a range of banking services.<BR><BR>History: <BR>IDFC First Bank was incorporated on October 21, 2014, in Chennai, Tamil Nadu, following the in-principle approval granted by the Reserve Bank of India on April 9, 2014. The latest quarterly results reported are for March 2026, showing sales and profit figures.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 10,552.77 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 319 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 63,617 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.23% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details: <BR>Address: KRM Tower 7th Floor, No 1 Harrington Road Chetpet Chennai Tamil Nadu : 600031 <BR>Phone: 91-44-45644000 <BR>Email: ig@idfcbank.com <BR>Website: http://www.idfcbank.com

How big is IDFC First Bank?

As of 10th June, IDFC First Bank Ltd. has a market capitalization of 63,617.00 Cr and reported a net profit of 1,636.36 Cr, with shareholder's funds at 38,078.00 Cr and total assets valued at 3,44,140.51 Cr. There is no valid sales data available for the latest four quarters.

As of 10th June, IDFC First Bank Ltd. has a market capitalization of 63,617.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, IDFC First Bank reported net sales of 0.00 Cr, indicating no valid sales data found for summing. The net profit for the same period was 1,636.36 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025. Shareholder's funds stood at 38,078.00 Cr, while total assets were valued at 3,44,140.51 Cr.

Who are in the management team of IDFC First Bank?

The management team of IDFC First Bank includes Chairman Sanjeeb Chaudhuri, Managing Director & CEO V Vaidyanathan, and Executive Director & COO Madhivanan Balakrishnan, along with several independent and non-executive directors. This diverse team provides strong leadership and expertise to the bank.

The management team of IDFC First Bank includes the following key members:<BR><BR>1. **Sanjeeb Chaudhuri** - Chairman & Independent Director<BR>2. **Aashish Kamat** - Independent Director<BR>3. **Brinda Jagirdar** - Independent Director<BR>4. **Hemang Raja** - Independent Director<BR>5. **Pravir Vohra** - Independent Director<BR>6. **S. Ganesh Kumar** - Independent Director<BR>7. **Ajay Sondhi** - Non-Executive & Non-Independent Director<BR>8. **Jaimini Bhagwati** - Non-Executive & Non-Independent Director<BR>9. **Vishal Mahadevia** - Non-Executive & Non-Independent Director<BR>10. **V Vaidyanathan** - Managing Director & CEO<BR>11. **Madhivanan Balakrishnan** - Executive Director & COO, also serving as Whole Time Director & COO<BR><BR>This team brings a diverse range of experience and expertise to the bank's leadership.

Who are the peers of the IDFC First Bank?

IDFC First Bank's peers include Kotak Mahindra Bank, IDBI Bank, Federal Bank, Yes Bank, IndusInd Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, and J&K Bank. In terms of performance, Federal Bank leads with a 1-year return of 48.69%, while IDFC First Bank has a return of 2.29%.

Peers: The peers of IDFC First Bank are Kotak Mah. Bank, IDBI Bank, Federal Bank, Yes Bank, IndusInd Bank, Bandhan Bank, Karur Vysya Bank, RBL Bank, City Union Bank, and J&K Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Kotak Mah. Bank, Bandhan Bank, Karur Vysya Bank, and the rest. Good management risk is found at Federal Bank, IndusInd Bank, City Union Bank, and the rest. Average management risk is present at IDBI Bank, Yes Bank, IDFC First Bank, RBL Bank, and the rest. Growth is excellent at IDFC First Bank, Karur Vysya Bank, while good growth is seen at Kotak Mah. Bank, IDBI Bank, Yes Bank, Federal Bank, RBL Bank, City Union Bank, and the rest. Below average growth is noted at IndusInd Bank and Bandhan Bank. Excellent capital structure is observed at Kotak Mah. Bank, IDBI Bank, IndusInd Bank, Bandhan Bank, Karur Vysya Bank, City Union Bank, and the rest, while good capital structure is found at Federal Bank, IDFC First Bank, Yes Bank, RBL Bank, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Federal Bank at 48.69%, while IDBI Bank has the lowest at -26.91%. IDFC First Bank's 1-year return is 2.29%, which is higher than IDBI Bank but lower than Federal Bank. Additionally, IDBI Bank and IDFC First Bank have negative six-month returns.

Is IDFC First Bank technically bullish or bearish?

As of December 4, 2025, IDFC First Bank's trend is mildly bullish due to positive MACD and KST signals, but caution is advised due to bearish RSI and Dow Theory indicators.

As of 4 December 2025, the technical trend for IDFC First Bank has changed from bullish to mildly bullish. The current stance is mildly bullish, driven primarily by the bullish signals from the MACD and KST on both weekly and monthly time frames. However, the RSI indicates bearish momentum on both weekly and monthly charts, suggesting some weakness. Moving averages on the daily chart remain bullish, while Bollinger Bands show a mildly bullish trend. The Dow Theory indicates a mildly bearish stance on the weekly timeframe, which adds to the mixed signals. Overall, while there are bullish indicators, the bearish RSI and Dow Theory suggest caution.

How has been the historical performance of IDFC First Bank?

IDFC First Bank has shown significant growth in income and deposits from Mar'22 to Mar'25, with interest earned rising from 17,172.68 Cr to 36,501.49 Cr, while profit levels have fluctuated, peaking in Mar'24 before declining in Mar'25. Total liabilities increased from 1,90,278.61 Cr to 3,44,140.52 Cr during the same period.

Answer:<BR>The historical performance of IDFC First Bank shows significant growth in various financial metrics over the years.<BR><BR>Breakdown:<BR>IDFC First Bank has demonstrated a consistent increase in interest earned, rising from 17,172.68 Cr in Mar'22 to 36,501.49 Cr in Mar'25. The bank's net interest income also grew substantially, from 9,706.16 Cr in Mar'22 to 19,291.97 Cr in Mar'25. Total income followed a similar upward trend, reaching 43,523.20 Cr in Mar'25, compared to 20,394.72 Cr in Mar'22. However, profit before tax peaked at 3,855.32 Cr in Mar'24 before declining to 1,900.12 Cr in Mar'25, while profit after tax was 1,524.85 Cr in Mar'25, down from 2,956.51 Cr in Mar'24. The bank's total liabilities increased significantly from 1,90,278.61 Cr in Mar'22 to 3,44,140.52 Cr in Mar'25, with deposits also rising from 1,05,634.36 Cr in Mar'22 to 2,52,065.25 Cr in Mar'25. Cash and cash equivalents improved to 15,097.00 Cr in Mar'25, up from 15,757.00 Cr in Mar'22, indicating a positive cash flow trend despite fluctuations in net profit before taxes. Overall, IDFC First Bank's performance reflects a trajectory of growth in income and deposits, alongside challenges in maintaining profit levels in recent years.

Is IDFC First Bank overvalued or undervalued?

As of October 17, 2025, IDFC First Bank is considered very expensive and overvalued with a PE ratio of 44.86, a price to book value of 1.52, and a concerning net NPA to book value of 3.49%, especially when compared to peers like HDFC Bank and ICICI Bank, which have significantly lower PE ratios.

As of 17 October 2025, the valuation grade for IDFC First Bank has moved from expensive to very expensive, indicating a significant shift in its perceived market value. The bank is currently considered overvalued. Key ratios include a PE ratio of 44.86, a price to book value of 1.52, and a ROE of 3.39%. <BR><BR>In comparison to its peers, HDFC Bank has a PE ratio of 22.22 and ICICI Bank stands at 20.98, both of which suggest that IDFC First Bank is trading at a premium relative to these established players. Additionally, while IDFC First Bank's PEG ratio is notably at 0.00, indicating no growth expectations priced in, its net NPA to book value stands at 3.49%, which is a concerning figure. Despite a strong performance over the past five years with a return of 134.62%, the recent stock performance has lagged behind the Sensex, reinforcing the notion of overvaluation.

Who are the top shareholders of the IDFC First Bank?

The top shareholders of IDFC First Bank include the President of India with 9.1%, foreign institutional investors at 25.68%, mutual funds with 7.64%, and individual investors holding 39.04%. There are no pledged promoter holdings, and no single promoter has the highest stake.

The top shareholders of IDFC First Bank include a diverse mix of institutional and individual investors. Notably, the President of India holds a significant stake of 9.1%. Additionally, foreign institutional investors (FIIs) collectively own 25.68% of the bank's shares, while mutual funds have invested in 27 schemes, accounting for 7.64%. Individual investors represent the largest group, holding 39.04% of the shares. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

When is the next results date for IDFC First Bank?

No Upcoming Board Meetings

Has IDFC First Bank declared dividend?

IDFC First Bank declared a dividend of 7% (₹0.70 per share) on July 23, 2018, but has not declared any dividends since then. Total returns have varied, with significant growth over longer periods despite a 0% dividend return.

IDFC First Bank has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 7%<BR>- Amount per share: 0.70<BR>- Ex-date: 23 Jul 18<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6 Months period, the price return was 8.18%, with a dividend return of 0%, resulting in a total return of 8.18%.<BR><BR>In the 1 Year period, the price return was -7.75%, with a dividend return of 0%, leading to a total return of -7.75%.<BR><BR>In the 2 Years period, the price return was -3.4%, with a dividend return of 0%, resulting in a total return of -3.4%.<BR><BR>In the 3 Years period, the price return was 103.11%, with a dividend return of 0%, leading to a total return of 103.11%.<BR><BR>In the 4 Years period, the price return was 19.11%, with a dividend return of 0%, resulting in a total return of 19.11%.<BR><BR>In the 5 Years period, the price return was 193.98%, with a dividend return of 0%, leading to a total return of 193.98%.<BR><BR>Overall, IDFC First Bank declared a dividend in 2018, but there have been no dividends declared since then, as indicated by the 0% dividend return across all periods. The total returns show a mix of positive and negative performance over different time frames, with significant growth in the longer periods.