IDFCFIRSTB

IDFC First Bank Limited

Private universal bank — retail, MSME, rural and corporate banking, plus credit cards

Financial Services›Financial Services›Banks›Private Sector Bank

idfcfirst.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹76.33
Market cap
65,875 Cr
Stock P/E
28.6
P/B
1.39
Dividend yield
0.4%
ROE (FY26)
3.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

IDFC First Bank is an Indian private-sector bank that lends to individuals, small businesses, farmers and companies, and takes deposits from retail customers, through 1,155 branches.

Company snapshot

8thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 109.2% of revenue

SegmentRevenue shareRevenuePBTAssets
Other Banking Business
2.3%
735 Cr400 Cr—
Retail Banking
109.2%
35,176 Cr382 Cr—
Treasury
59.7%
19,216 Cr395 Cr—
Unallocated
0.4%
124 Cr-277 Cr—
Wholesale Banking
20.7%
6,656 Cr638 Cr—

Shares add up to 192% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Cash flow from operations is higher than reported profit — earnings quality looks solid.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income3,951 Cr4,287 Cr4,471 Cr4,695 Cr4,788 Cr4,903 Cr4,908 Cr4,933 Cr5,113 Cr5,493 Cr5,677 Cr5,974 Cr
Other income1,410 Cr1,517 Cr1,642 Cr1,574 Cr1,727 Cr1,780 Cr1,895 Cr2,227 Cr1,891 Cr2,125 Cr1,630 Cr2,310 Cr
Net operating income5,360 Cr5,804 Cr6,113 Cr6,269 Cr6,516 Cr6,682 Cr6,803 Cr7,160 Cr7,004 Cr7,618 Cr7,307 Cr8,284 Cr
Employee cost1,377 Cr1,405 Cr1,519 Cr1,534 Cr1,617 Cr1,614 Cr1,736 Cr1,761 Cr1,878 Cr2,043 Cr2,004 Cr2,130 Cr
Other expenses2,472 Cr2,815 Cr2,923 Cr2,888 Cr2,922 Cr3,308 Cr3,272 Cr3,169 Cr3,250 Cr3,565 Cr4,233 Cr3,528 Cr
Provisions & contingencies528 Cr655 Cr722 Cr994 Cr1,732 Cr1,338 Cr1,450 Cr1,659 Cr1,452 Cr1,398 Cr869 Cr1,144 Cr
Depreciation————————————
Profit before tax983 Cr930 Cr948 Cr853 Cr245 Cr422 Cr344 Cr571 Cr424 Cr611 Cr201 Cr1,482 Cr
Tax %24.0%21.3%22.8%24.6%13.5%19.4%14.1%20.6%17.9%21.7%-64.5%22.5%
Net profit747 Cr732 Cr732 Cr643 Cr212 Cr340 Cr296 Cr453 Cr348 Cr479 Cr331 Cr1,148 Cr
EPS (₹)₹1.12₹1.04₹1.04₹0.91₹0.28₹0.46₹0.40₹0.62₹0.35₹0.54₹0.38₹1.33

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,063 Cr1,973 Cr3,461 Cr6,012 Cr7,383 Cr9,708 Cr12,637 Cr16,455 Cr19,294 Cr21,216 CrSign in free for the trailing twelve months
Other income1,019 Cr1,120 Cr939 Cr1,722 Cr2,254 Cr3,173 Cr4,467 Cr5,932 Cr6,977 Cr7,874 CrSign in free for the trailing twelve months
Net operating income3,082 Cr3,092 Cr4,399 Cr7,734 Cr9,637 Cr12,880 Cr17,104 Cr22,387 Cr26,271 Cr29,089 CrSign in free for the trailing twelve months
Employee cost——1,279 Cr1,795 Cr2,302 Cr3,100 Cr4,279 Cr5,634 Cr6,502 Cr7,686 CrSign in free for the trailing twelve months
Other expenses——2,212 Cr3,970 Cr4,751 Cr6,497 Cr7,830 Cr10,514 Cr12,390 Cr14,218 CrSign in free for the trailing twelve months
Provisions & contingencies——1,518 Cr4,316 Cr2,065 Cr3,109 Cr1,665 Cr2,382 Cr5,515 Cr5,379 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax——-3,210 Cr-2,346 Cr519 Cr175 Cr3,331 Cr3,857 Cr1,864 Cr1,807 CrSign in free for the trailing twelve months
Tax %——41.4%-21.2%6.9%24.4%25.4%23.7%20.1%10.9%Sign in free for the trailing twelve months
Net profit1,019 Cr880 Cr-1,908 Cr-2,843 Cr483 Cr132 Cr2,485 Cr2,942 Cr1,490 Cr1,611 CrSign in free for the trailing twelve months
EPS (₹)₹3.00₹2.59₹-4.66₹-5.94₹0.88₹0.21₹3.98₹4.30₹2.04₹1.89Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%0.0%0.0%0.0%18.4%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital3,399 Cr3,404 Cr4,782 Cr4,810 Cr5,676 Cr6,218 Cr6,618 Cr7,070 Cr7,322 Cr8,602 Cr
Reserves11,277 Cr11,870 Cr13,418 Cr10,594 Cr12,224 Cr14,864 Cr19,229 Cr25,145 Cr30,685 Cr38,514 Cr
Borrowings50,262 Cr57,287 Cr69,983 Cr57,397 Cr45,786 Cr52,963 Cr57,212 Cr50,936 Cr38,984 Cr36,633 Cr
Other liabilities47,126 Cr53,821 Cr78,916 Cr76,358 Cr99,386 Cr1,16,101 Cr1,56,822 Cr2,13,059 Cr2,66,918 Cr3,16,026 Cr
Total liabilities1,12,064 Cr1,26,382 Cr1,67,099 Cr1,49,159 Cr1,63,072 Cr1,90,146 Cr2,39,882 Cr2,96,210 Cr3,43,909 Cr3,99,775 Cr
Fixed assets (net)799 Cr800 Cr974 Cr1,073 Cr1,296 Cr1,387 Cr2,133 Cr2,675 Cr2,736 Cr2,626 Cr
CWIP——————————
Investments50,164 Cr60,904 Cr58,245 Cr45,174 Cr45,182 Cr45,935 Cr60,913 Cr74,500 Cr80,505 Cr85,646 Cr
Loans & advances49,402 Cr52,165 Cr86,302 Cr85,595 Cr1,00,550 Cr1,17,858 Cr1,51,795 Cr1,94,592 Cr2,33,113 Cr2,80,391 Cr
Cash & bank2,995 Cr3,021 Cr4,101 Cr3,348 Cr4,670 Cr5,664 Cr10,562 Cr10,988 Cr13,985 Cr11,311 Cr
Other assets8,705 Cr9,491 Cr17,476 Cr13,967 Cr11,374 Cr19,302 Cr14,479 Cr13,454 Cr13,569 Cr19,801 Cr
Total assets1,12,064 Cr1,26,382 Cr1,67,099 Cr1,49,159 Cr1,63,072 Cr1,90,146 Cr2,39,882 Cr2,96,210 Cr3,43,909 Cr3,99,775 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity14,128 Cr-5,981 Cr17,364 Cr10,966 Cr14,042 Cr2,679 Cr3,563 Cr11,543 Cr14,465 Cr6,817 Cr
Cash from investing-4,918 Cr-1,024 Cr-1,365 Cr-3,790 Cr-2,833 Cr-2,960 Cr-11,996 Cr-9,887 Cr-3,478 Cr-14,143 Cr
Cash from financing-6,974 Cr6,742 Cr-12,220 Cr-12,539 Cr-9,598 Cr10,211 Cr6,509 Cr-2,954 Cr-8,673 Cr4,972 Cr
Net cash flow2,236 Cr-263 Cr3,779 Cr-5,363 Cr1,610 Cr9,929 Cr-1,924 Cr-1,298 Cr2,319 Cr-2,333 Cr
Free cash flow (OCF − Capex)13,858 Cr-6,155 Cr17,087 Cr10,538 Cr13,456 Cr2,197 Cr2,375 Cr10,169 Cr13,546 Cr6,039 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %6.9%5.8%-10.5%-18.5%2.7%0.6%9.6%9.1%3.9%3.4%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——2,136 Cr2,280 Cr4,303 Cr4,469 Cr3,884 Cr3,718 Cr4,434 Cr4,559 Cr
Gross NPA %3.0%3.3%2.4%2.6%4.2%3.7%2.5%1.9%1.9%1.6%
Net NPA——1,107 Cr809 Cr1,883 Cr1,808 Cr1,304 Cr1,160 Cr1,230 Cr1,346 Cr
Net NPA %1.1%1.7%1.3%0.9%1.9%1.5%0.9%0.6%0.5%0.5%
CET1 %18.5%17.7%15.5%13.4%13.8%16.7%16.8%13.4%13.2%13.7%
Additional Tier 1 %0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
ROA %1.0%0.7%-0.1%1.8%0.3%0.1%1.1%1.1%0.5%0.4%