IDFC First Bank Share Price Target 2025-30 : Free Analysis

IDFC First Bank Share Price Target 2025-30 : Although there are lakhs of shares listed in the stock market, today we are going to tell you about such a stock which can go up a lot in the coming time. This article will provide more details about IDFC First Bank Share Price Target 2025, 2026 to 2030.

Today’s blog is IDFC First Bank Share Price Target And Prediction 2025-30 : Complete Analysis, by reading which you can take your investment decision. Read the IDFC First Bank Share Price Target 2025 blog carefully so that you do not miss any information…

IDFC First Bank : About Company

IDFC First Bank is an Indian private sector bank, headquartered in Mumbai, that offers a wide range of services for retail, MSME, rural, and corporate clients. It was formed in 2018 from the merger of IDFC Bank and Capital First, which shifted its focus from infrastructure to a strong retail and digital banking model.

The bank is known for its technology-driven approach, simplified customer-friendly products, and features like monthly interest payments on savings accounts.

IDFC First Bank Share Price Target 2025-30

Understanding IDFC First Bank past performance can provide context for future expectations…

Year	Approximate Year-End Price (₹)	Comment/Driver
2021	~ ₹60-70	Post-merger effects, early retail growth phase
2022	~ ₹70-80	Deposit growth strong, but credit cost concerns emerged
2023	~ ₹85-95	Loan growth solid, CASA improving, but profits under pressure
2024	~ ₹75-85	Micro-finance stress, higher provisions, profit drop
2025 (YTD)	~ ₹78-90	Capital raise announced; profitability still recovery phase

Now let’s take a look at IDFC First Bank Share Price Target And Prediction 2025-30…

YEAR	SHARE PRICE TARGET
2025	120
2026	127
2027	140
2028	157
2029	174
2030	195

Now look at IDFC First Bank share price prediction 2025, 2030, 2040….

With improving profits, lower NPAs, and growing retail book, the share may reach ₹110 – ₹120 by 2025.

By 2030, if the bank maintains 20%+ growth in retail assets and digital lending, it can trade around ₹185– ₹195.

In the long term, with strong retail franchise and digital expansion, the stock could hit ₹600 – ₹800 by 2040.

Several brokerage firms have provided their insights and IDFC First Bank share target price…

Brokerage / Source	Rating / View	Target Price (₹)	Notes / Source
ICICI Securities	Buy	₹80	Research dated July 27, 2025. (Moneycontrol)
Anand Rathi & Co.	Buy	₹77	Research dated April 27, 2025. (Moneycontrol)
Motilal Oswal	Neutral	₹80	Research dated (see turn0search0). (ET Now)
UBS	Neutral	₹85	Initiated coverage; flagged profitability constraints. (The Economic Times)
Consensus/Aggregator (TipRanks)	Moderate Buy	Avg ~ ₹82	Based on recent analysts. (TipRanks)

Now let’s take a look at the company’s fundamentals to get more details on IDFC First Bank Target Price Share …

Fundamental	Data
Market Cap	66,659 Cr.
P/E Ratio	46.46%
P/B Ratio	1.45%
Industry P/E	14.01%
Debt To Equity	NA
ROE	3.13%
EPS (TTM)	1.76
Div. Yield	0.27%
Book Value	56.31
Face Value	10

Now to know IDFC First Bank Target Share Price in more detail, we take a look at the financial position of the company for the last 5 years and this data is according to Groww.in…

Company Revenue

Year	Revenue (In Crore)
2021	18,180
2022	20,345
2023	27,195
2024	36,257
2025	43,478

Company Profit

Year	Profit (In Crore)
2021	483
2022	132
2023	2,485
2024	2,942
2025	1,490

Company Net Worth

Year	Net Worth (In Crore)
2021	17,900
2022	21,082
2023	25,848
2024	32,274
2025	38,156

Now let’s take a look at the company’s Shareholding Pattern to get more details on IDFC First Bank Share Target Price…

Quarter	Jun 25	Aug 25	Sep 25
Promoters	—–	—–	—–
Foreign Institutions	23.80%	24.28%	24.63%
Retails And Other	52.80%	51.68%	51.05%
Mutual Funds	10.95%	11.63%	11.55%
Other Domestic Institutions	12.45%	12.41%	12.77%

Now let’s take a look at the company’s Strengths And Limitations to get more details on IDFC First Bank share price target and this data is according to Ticker.finology.in…

Strengths	Limitations
The company has been consistently maintaining a NIM of 5.76% since last 3 years.	High Cost to income ratio of 71.82%.
The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.66%.	Increase in Provision and contingencies of 131.55% on YoY.
CASA stands at 46.91% of total deposits.
Good Capital Adequacy Ratio of 15.48%.
The company has delivered good Profit growth of 118.84% over the past 3 years.
The company has delivered good Income growth of 28.57% over the past 3 years.
Strong Advances growth of 25.53% in the last 3 years.

Now take a look at Investment Considerations factors of IDFC First Bank Share Price Target 2025…

Strong Deposit and CASA

The bank has been rapidly expanding its low-cost deposit base (CASA), which is critical for banking profitability. Lower cost of funds means higher margin potential once loans ramp up. Management highlights that incremental CD (Credit-to-Deposit) ratio is moderating and deposit growth remains strong.

Loan book growth potential

IDFC First is positioned as a mid-tier private bank with room to grow its advances, especially in retail, MSME and consumer credit. If the bank converts deposit strength into quality loan growth, the scale effect could drive earnings significantly over the long term.

Stronger balance sheet

A major investment from firms like Warburg Pincus and ADIA boosts capital adequacy and supports growth — addressing one of the key constraints for private banks. This makes the bank better positioned to absorb risks and scale.

Improving operating leverage

As the bank scales, fixed costs (branches, technology) are being amortized over a larger base. Improved digital platforms, cards business, and newer lines (wealth, cash management) can lift margins over time if managed well.

Relatively attractive valuation

Given current performance pressures, the stock may be pricing in a weak scenario. If execution improves (credit cost down, NIM up), there’s room for re-rating. Some analysts see value builds in this recovery narrative.

Now take a look at factors affect IDFC First Bank Share Price Target 2025…

Credit Cost/Slippages

The bank’s profitability is heavily impacted by provisions. Recent results flagged stress in microfinance and infrastructure exposures which caused earnings collapse in a quarter. These events trigger sharp stock moves.

NIM & yield on assets versus cost of funds

Even if deposits grow, if lending yields drop or cost of funds remains elevated, margins get squeezed. For a bank scaling, the pace of margin improvement matters for near-term investor sentiment.

Operating cost/Cost-to-Income ratio

If branch expansion, digital investment or marketing pushes costs up faster than revenues, profitability gets delayed. Quarterly cost surprises often cause target revisions.

Regulatory/capital events

Major capital raises, stake sales, regulatory changes (e.g., micro-finance norms) or board changes affect investor confidence and valuation. The recent Warburg/ADIA stake announcement improved outlook.

Analyst/broker revisions

Because the bank is in a turnaround phase, analyst target or rating changes often trigger predictable stock movements. If multiple brokers upgrade, flows follow; conversely a downgrade triggers selling pressure.

IDFC First Bank offers a mixed but potentially interesting long-term investment proposition. On the positive side, strong deposit momentum, capital backing, and scalable growth paths provide structural tailwinds. On the caution side, persistent credit cost pressures, profitability lag, and execution risk mean that the turnaround is not yet fully proven.

For long-term investors willing to ride through near-term volatility and believe in the bank’s strategic execution, the current valuation could offer upside. But for risk-averse investors, the bank might still be in the “challenge” phase rather than “fully proven growth” phase.

Use the broker target range (₹77-₹85) as a base case; a more bullish scenario can only play out if the bank delivers on multiple fronts (costs, margins, slippages) over the next 12-24 months.

Disclaimer : We are Not SEBI Registered and this article is for informational purposes only. The views and recommendations expressed above are those of individual analysts and not FactBeez. We advise investors to check with certified experts before making any investment decision which will help you make informed decisions and reduce the chances of losses.