IDFC First Bank Ltd. Share Price Target from 2025 to 2050: Future Outlook

IDFC First Bank Ltd. Share Price Target is drawing attention from investors tracking resilient private-sector banks focused on core growth, strong deposit momentum, and improving efficiency. Despite a sharp YoY fall in Q4 FY25 profit due to provisions, elevated NII, solid deposit expansion, and operational leverage hint at recovery. In this post, we explore IDFC First Bank Ltd. Share Price Target & Forecast 2025 to 2050; examining its business model, recent performance, future growth drivers, analyst expectations, and market sentiment.

Table of Contents

IDFC First Bank Ltd. Overview: Growth, Products, & Market Presence

IDFC First Bank, headquartered in Mumbai, emerged from a merger of IDFC Ltd. and IDFC First Bank in October 2024. It operates a full-service banking franchise offering retail, corporate, and wholesale banking, microfinance, digital platforms, credit cards, and advisory services. With ~1,000 branches and a strong urban-rural footprint, it focuses on sustainable lending and deepening financial inclusion.

Key Information	Details
Founded	2015 (bank), merged with IDFC in 2024
Headquarters	Mumbai, Maharashtra, India
Sector	Banking – Retail, Wholesale, Digital
Key Services	Deposits, retail loans, microfinance, credit cards, digital, advisory
Stock Listings	NSE: IDFCFIRSTB, BSE: 540777
Market Presence	~1,000+ branches across urban and rural India

On this page, you will find detailed insights into IDFC First Bank Ltd.’s stock, including real-time prices, technical analysis, and long-term forecasts:

✅ Real-Time Stock Price: Automatically updated every minute for the latest market data.

✅ Technical Indicators: Adjusted based on specific time frames to provide timely trading insights.

✅ Financial Reports: Updated quarterly to reflect the company’s latest financial performance.

✅ Stock Charts: Refreshed every minute for real-time visual analysis.

📊 Note: IDFC First Bank Ltd.’s stock forecast prices in the tables are automatically updated based on live asset price changes.

IDFC First Bank Ltd. Financial Overview & Key Metrics

Q4 FY25: Net profit dropped 58% YoY to ₹304 crore (from ₹724 crore) due to elevated provisions in microfinance. Net interest income rose ~14% to ₹7,971 crore. NIM was ~5.95%, deposits grew 25%, and assets advanced ~20.4%. GNPA: 1.87%, NNPA: 0.53%, with deposits-to-assets at ~46.9% CASA. ₹0.25/share dividend proposed.
FY 2025: Core operating profit rose ~17–19% to ₹7,069 crore. Full-year net profit declined 48% YoY to ₹1,525 crore. Operating expense growth slowed, reflecting improved operating leverage. Capital ratios remain strong: CAR ~15.5%, CET‑I ~13.2%.

Below is a detailed breakdown of its key financial figures; including revenue, net profit, earnings per share (EPS), and other crucial metrics. These insights enable investors to assess the company’s financial health and long-term growth potential.

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Investment Potential & Associated Risks

Why Consider Investing in IDFC First Bank Ltd.?

Robust NII Growth: Healthy core interest income growth amid rate stability.
Strong Deposit Mobilization: 25% YoY growth in deposit base with CASA ratio near 47%.
Operational Leverage: Declining opex growth supports profitability.
Post-Merger Scale: IDFC merger enhances product suite and institutional heft.
Healthy Capital Buffers: Strong CAR ensures capacity for lending growth.

Risks to Consider

Profitability Under Pressure: High provisions led to 58% YoY drop in Q4 profit.
Asset Quality Challenges: Microfinance exposures remain volatile.
Low Opportunity Yield: ROE is modest (~8% 3-year average).
Valuation Sensitivity: Modest margins vs other private banks may limit premium.
Cyclic Credit Costs: Macroeconomic or delinquency spikes can weigh on earnings.

IDFC First Bank stock price forecasts for tomorrow and the upcoming week are based on recent market trends, historical price movements, and key technical indicators. These projections offer valuable insights into potential price changes, helping traders and investors make informed decisions.

However, various factors can influence stock prices; including market sentiment, news updates, and global events; so it’s always wise to stay updated and flexible with strategies.

📊 Below, you’ll find the expected stock price targets for the coming days:

Date	Min. Price	Max. Price	Stock Price
08-Aug	67.05	68.74	67.89
11-Aug	66.40	68.11	67.21
12-Aug	66.55	68.18	67.41
13-Aug	65.94	67.69	66.86
14-Aug	65.34	67.11	66.29
15-Aug	64.79	66.49	65.65
18-Aug	64.09	65.82	64.97
19-Aug	64.30	66.03	65.16
20-Aug	63.77	65.50	64.61

Technical Analysis of IDFC First Bank Ltd. Using Key Indicators

For IDFC First Ltd., you can leverage indicator-based technical analysis to identify optimal market entry and exit points. Adjust the time frame according to your trading strategy for more accurate insights.

How to Interpret Technical Analysis Signals:

✅ Sell” or “Strong Sell	Indicates bearish (negative) market sentiment, suggesting a potential decline.
✅ Buy” or “Strong Buy	Indicates bullish (positive) market sentiment, signaling a potential uptrend.

Time Frame Considerations:

Short-Term Analysis (Intraday/Short Swing Trading): Use time frames ranging from 15 minutes to 2 hours.
Medium to Long-Term Analysis: If you plan to hold for more than a week, use daily to weekly time frames.

Below, you’ll find technical indicator-based buy and sell signals based on different time frames to assist in your investment decisions.

Future Growth Drivers for IDFC First Bank Ltd.

Branch and Digital Network Expansion: Targeting broader retail reach and digital users.
Retail and MSME Loan Push: Scaling home, vehicle, business loans, and microfinance responsibly.
High-Margin Products: Expanding credit cards, advisory, and fee-based services.
Cost Discipline & Efficiency Tools: Tech-driven workflow to enhance margins.
Capital Growth Optionality: Strong CAR enables lending without dilution.

NII and Core Lending Growth: Sustained loan increases and optimized net interest income.
Deposit Expansion & CASA Mix: CASA growth supports margin stability.
Cost Control & Efficiency Gains: Opex growth is moderating faster than revenue.
Risk-Adjusted Profitability: Improving asset quality and provisions normalization.
Merger Synergies & Scale: IDFC merger lifts cross-sell, geographic reach, and yields.

This long-term stock price forecast for IDFC First Bank Ltd. is based on historical market trends, the company’s growth prospects, and industry analysis. While forecasting stock prices for the long term involves uncertainty, these forecasts help investors gain an understanding of potential future price moves.

📊 The following table presents the IDFC First Bank share price target forecast from 2025 to 2050, based on current market trends and available data.

Year	Min. Price	Max. Price
2025	₹ 70.79	₹ 73.06
2026	₹ 65.89	₹ 75.60
2027	₹ 68.38	₹ 78.13
2028	₹ 70.90	₹ 80.65
2029	₹ 73.45	₹ 83.15
2030	₹ 76.04	₹ 82.94
2031	₹ 74.05	₹ 92.61
2032	₹ 76.09	₹ 95.15
2033	₹ 78.14	₹ 97.68
2034	₹ 80.18	₹ 100.20
2035	₹ 82.22	₹ 102.73
2040	₹ 92.44	₹ 115.38
2050	₹ 112.88	₹ 140.66

The IDFC First BankLtd. share price targets provided here are for informational purposes only. Both short-term and long-term stock price predictions are based on historical data and market trends, but actual prices may vary due to market fluctuations and external factors. This forecast assumes positive market conditions and does not account for unforeseen risks, economic uncertainties, or company-specific challenges. Investors should conduct their research before making any financial decisions.