IDFC First Bank Share Price Target Tomorrow From 2025 To 2030- Market Overview, Current Chart

IDFC First Bank is a fast-growing private sector bank in India that is gaining the trust of customers with its modern banking services and customer-friendly approach. People are happy with the bank’s easy-to-use mobile app, zero-fee savings accounts, and helpful customer service. The bank focuses strongly on retail banking, offering personal loans, home loans, and credit cards to millions of users. Its steady growth, strong financial base, and commitment to digital banking make it a popular choice for new-age banking. IDFC First Bank Share Price on NSE as of 13 June 2025 is 70.79 INR. This article will provide more details on IDFC First Bank Share Price Target 2025, 2026 to 2030.

IDFC First Bank Ltd: Company Info

• CEO: V. Vaidyanathan (19 Dec 2018–)
  
• Founded: October 2015
  
• Headquarters: Mumbai
  
• Number of employees: 41,141 (2024)
  
• Revenue: 36,257 crores INR (US$4.5 billion, 2024)
  
• Subsidiaries: IDFC FIRST Bharat Limited, Idfc First Bank Limited, Asset Management Arm.

IDFC First Bank Share Price Chart

IDFC First Bank Share: Market Overview

• Open: 71.30
• High: 71.43
• Low: 70.45
• Mkt cap: 51.86KCr
• P/E ratio: 34.87
• Div yield: N/A
• 52-wk high: 84.50
  
• 52-wk low: 52.46

IDFC First Bank Share Price Target Tomorrow From 2025 To 2030

Here are the estimated share prices of IDFC First Bank for the upcoming years, based solely on market valuation, enterprise trends and professional predictions.

• 2025 – ₹90
• 2026 – ₹110
• 2027 – ₹130
• 2028 – ₹150
• 2029 – ₹170
• 2030 – ₹190

IDFC First Bank Share Price Target 2025

IDFC First Bank share price target 2025 Expected target could be between ₹850 to ₹90. Here are 7 key factors affecting the growth of IDFC First Bank and its share price potential by 2025, explained simply:

1. Rapid Deposit Growth & CASA Strength
   The bank saw its total deposits rise ~25–32% YoY, with a strong CASA ratio (~47–49%), giving it a low-cost and stable funding base.

2. Focused Retail Loan Expansion
   Retail loans make up ~65% of its loan book, with around 20–25% YoY growth in areas like personal, home, and vehicle loans—supporting reliable interest income.

3. Strong Asset Quality & Lower NPAs
   Shifting away from infrastructure financing, the bank maintains gross NPA around 1.9–2.2%, showcasing disciplined credit management.

4. Branch & Rural Network Expansion
   The bank is expanding branch reach (doubling in 5 years) and bolstering rural financial inclusion through BC outlets and microfinance partnerships.

5. Digital and Tech Investments
   Heavy investment in mobile banking, AI-driven credit assessment, zero-fee accounts, and fintech-linked initiatives are boosting efficiency, scale, and customer experience.

6. Diversified Fee Income & Product Mix
   Income from credit cards, wealth management, FASTag, microfinance, and other services—growing ~27–88% YoY—helps reduce reliance on interest income.

7. Strong Capital Base & Institutional Support
   The bank raised ~₹7,500 crore via Warburg Pincus and ADIA (together ~15% stake), boosting capital adequacy to ~18.9% and fueling future loan growth.

IDFC First Bank Share Price Target 2030

IDFC First Bank share price target 2030 Expected target could be between ₹180 to ₹190. Here are 7 key risks and challenges that could influence IDFC First Bank’s share price trajectory by 2030, explained simply:

1. Microfinance & Unsecured Loan Stress
   Elevated defaults in the high-risk microfinance portfolio have already hit profits severely—net profit dropped ~53% in Q3 FY25 due to this. Continuing stress could further erode asset quality and returns.

2. High Provisioning and Operating Costs
   The bank’s rising provisions and elevated operating expenses (cost-to-income ratio ~70%) weighed on margins. Sustained high costs could slow profit growth and market valuation.

3. Asset Quality Pressure in Retail & SME
   With around 40% of lending to rural, SME, and unsecured segments, broader economic stress or a rural slowdown could increase slippages and undermine credit strength.

4. Legacy Infrastructure Loan Threats
   While much reduced, the remaining infrastructure credit (1–1.5% of the book) still carries higher default risk, particularly during economic slowdowns .

5. Margin Risk from Funding Repricing
   Deposit costs may rise faster than lending yields in a higher interest-rate environment, squeezing net interest margins unless repricing lags are managed well.

6. High Operating Costs & Efficiency Drag
   Compared to peers, the bank’s cost-to-income ratio remains high (50–70%), due to investments in branches, technology, and products. Unless efficiencies improve, margins may stay constrained.

7. Contingent Liabilities & Capital Absorption
   A rapid rise in contingent liabilities (up ~68–900%) could absorb capital and restrict growth buffer. This increases liquidity and solvency risk if provisions worsen.

Shareholding Pattern For IDFC First Bank Share

IDFC First Bank Financials

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