Share of IDFC First Bank Ltd is currently trading at around Rs.66/-. Existing as well as Prospective Investors are asking for IDFC First Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the IDFC First Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of IDFC First Bank Ltd:
IDFC First Bank Ltd has demonstrated robust growth in its core operations, despite facing challenges in specific segments. The bank’s strategic initiatives and recent capital infusion position it well for future expansion.
Financial Performance Overview
In Q1 FY25, IDFC First Bank reported a net profit of ₹681 crore, marking an 11% year-on-year decline, primarily due to increased provisions in its microfinance portfolio, which was affected by seasonal factors and floods in Tamil Nadu . However, the bank’s core operating profit rose by 30% YoY to ₹1,858 crore, driven by a 25% increase in net interest income to ₹4,695 crore and a 19% rise in fee and other income.
Asset quality remained stable, with Gross Non-Performing Assets (GNPA) at 1.9% and Net NPA at 0.59% as of June 30, 2024 . The bank’s retail, rural, and MSME finance segments maintained a GNPA of 1.63% and Net NPA of 0.59%
Growth Metrics
The bank’s total deposits grew by 35.8% YoY to ₹2,09,666 crore, with Current Account Savings Account (CASA) deposits increasing by 36.1% to ₹97,692 crore . Retail deposits constituted 80.2% of total customer deposits, reflecting strong customer confidence.
Loans and advances rose by 22% YoY to ₹2,09,361 crore, with retail finance increasing by 29%, rural finance by 18.2%, and MSME & corporate finance by 13.5% . The bank’s legacy infrastructure book reduced by 15% YoY, now constituting just 1.1% of total funded assets.
Strategic Developments
In April 2025, IDFC First Bank announced a capital raise of up to ₹75 billion ($877 million) through investments from Warburg Pincus and the Abu Dhabi Investment Authority (ADIA). Warburg Pincus will invest ₹48.76 billion for a 9.8% stake, while ADIA will invest ₹26.24 billion for a 5.1% stake. This capital infusion is expected to support the bank’s growth plans, including a potential 20% annual expansion of its ₹2.31 trillion loan book
Additionally, the bank has been empaneled to collect direct and indirect taxes on behalf of the Government of India, enhancing its service offerings
Future Prospects
With a strengthened capital base and a focus on retail and MSME segments, IDFC First Bank is well-positioned for sustained growth. The bank aims to grow its loan book by 20% annually, leveraging its expanded capital and diversified portfolio. Continued emphasis on asset quality and prudent risk management will be crucial in navigating challenges, particularly in the microfinance sector.
Overall, IDFC First Bank’s strategic initiatives, coupled with its solid financial foundation, suggest a positive outlook for its future performance.
Share Price Targets:
IDFC First Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of IDFC First Bank Ltd is likely to touch the level of around Rs.75-80 in 2025
IDFC First Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of IDFC First Bank Ltd is likely to touch the level of around Rs.150-160 in 2030
IDFC First Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of IDFC First Bank Ltd is likely to touch the level of around Rs.300-350 in 2035
IDFC First Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of IDFC First Bank Ltd is likely to touch the level of around Rs.700-750 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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