IDFC First Bank Ltd
IDFC First Bank is engaged in the business of Banking Services. IDFC FIRST Bank was founded by the merger of Erstwhile IDFC Bank and Erstwhile Capital First on December 18, 2018.
- Market Cap ₹ 57,120 Cr.
- Current Price ₹ 77.9
- High / Low ₹ 81.4 / 52.5
- Stock P/E 38.3
- Book Value ₹ 51.9
- Dividend Yield 0.32 %
- ROCE 6.22 %
- ROE 4.24 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 20.3% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 7.88% over last 3 years.
- Contingent liabilities of Rs.3,05,986 Cr.
- Earnings include an other income of Rs.6,977 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 BSE 200 Nifty 500 BSE BANKEX BSE MidCap
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
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8,578 | 9,098 | 12,204 | 16,240 | 15,968 | 17,173 | 22,728 | 30,325 | 36,502 | |
Interest | 6,515 | 7,126 | 8,743 | 10,228 | 8,585 | 7,465 | 10,091 | 13,870 | 17,208 |
1,432 | 1,789 | 4,702 | 9,760 | 8,733 | 12,323 | 13,338 | 17,899 | 24,406 | |
Financing Profit | 631 | 184 | -1,241 | -3,748 | -1,350 | -2,615 | -701 | -1,444 | -5,112 |
Financing Margin % | 7% | 2% | -10% | -23% | -8% | -15% | -3% | -5% | -14% |
1,019 | 1,120 | 824 | 1,722 | 2,211 | 3,173 | 4,467 | 5,932 | 6,977 | |
Depreciation | 136 | 168 | 2,820 | 320 | 343 | 382 | 435 | 631 | -0 |
Profit before tax | 1,514 | 1,135 | -3,237 | -2,346 | 519 | 175 | 3,331 | 3,857 | 1,864 |
Tax % | 30% | 16% | -41% | 21% | 7% | 24% | 25% | 24% | 20% |
1,019 | 880 | -1,908 | -2,843 | 483 | 132 | 2,485 | 2,942 | 1,490 | |
EPS in Rs | 3.00 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 | 2.04 |
Dividend Payout % | 25% | 29% | -0% | -0% | -0% | -0% | -0% | -0% | 12% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 18% |
3 Years: | 29% |
TTM: | 20% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 20% |
3 Years: | 122% |
TTM: | -49% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 23% |
3 Years: | 32% |
1 Year: | -4% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 6% |
3 Years: | 8% |
Last Year: | 4% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3,399 | 3,404 | 4,782 | 4,810 | 5,676 | 6,218 | 6,618 | 7,070 | 7,322 |
Reserves | 11,278 | 11,870 | 13,418 | 10,594 | 12,224 | 14,864 | 19,229 | 25,204 | 30,685 |
Deposits | 40,098 | 48,039 | 70,354 | 65,079 | 88,536 | 105,540 | 144,470 | 200,570 | 252,010 |
Borrowing | 50,262 | 57,287 | 69,983 | 57,397 | 45,786 | 52,963 | 57,212 | 50,936 | 38,984 |
7,027 | 5,781 | 8,563 | 11,279 | 10,849 | 10,561 | 12,353 | 12,430 | 14,908 | |
Total Liabilities | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 |
933 | 797 | 940 | 999 | 1,370 | 1,448 | 2,054 | 2,720 | 2,736 | |
CWIP | 6 | 3 | 34 | 74 | 65 | 79 | 219 | 95 | -0 |
Investments | 50,164 | 60,904 | 58,245 | 45,174 | 45,182 | 45,935 | 60,913 | 74,500 | 80,505 |
60,962 | 64,677 | 107,880 | 102,911 | 116,454 | 142,684 | 176,696 | 218,895 | 260,667 | |
Total Assets | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
14,128 | -5,978 | 17,364 | 10,966 | 14,042 | 2,679 | 3,563 | 11,543 | 14,465 | |
-4,918 | -1,027 | -494 | -3,790 | -2,833 | -2,960 | -11,996 | -9,887 | -3,478 | |
-6,974 | 6,742 | -12,220 | -12,539 | -9,598 | 10,211 | 6,509 | -2,954 | -8,673 | |
Net Cash Flow | 2,236 | -263 | 4,649 | -5,363 | 1,610 | 9,929 | -1,924 | -1,298 | 2,314 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|
ROE % | 6% | -11% | -17% | 3% | 1% | 11% | 10% | 4% |
Documents
Announcements
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Reg. 34 (1) Annual Report.
1d - IDFC FIRST Bank announces 11th AGM and FY 2024-25 Integrated Annual Report with strong financial performance.
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Notice Of Annual General Meeting Dated July 29, 2025.
1d - IDFC FIRST Bank announces AGM on July 29, 2025, with FY 2024-25 integrated annual report.
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Business Responsibility and Sustainability Reporting (BRSR)
1d - IDFC FIRST Bank's FY 2024-25 Business Responsibility and Sustainability Report filed as per SEBI norms.
- Record Date 3 Jul
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Board Meeting Outcome for Board Meeting Outcome.
3 Jul - Board approved amendment to investor rights in ₹7,500 Cr fund raise; new joint auditor appointed; dividend record date set.
Annual reports
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Financial Year 2025
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Concalls
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May 2025Transcript PPT REC
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Business Overview
IDFC First Bank is a fast-growing, new-age private sector bank, formed by the merger of IDFC Bank and Capital First in 2018. Since 2019, it has expanded its product range, including loans, deposits, and wealth management, and introduced new products like home loans, credit cards, FASTag, etc. [1] [2]