IDFC First Bank Share Price: IDFC First Bank has emerged as one of the fastest-growing private banks in India. Over the past few years, it has gained attention not just for its innovative banking services, but also for its stock performance in the Indian equity markets. Investors, analysts, and retail traders often search for “IDFC First Bank share price” to assess whether it’s the right time to invest or exit.
In this in-depth article, we’ll cover:
- ✅ Historical performance of IDFC First Bank shares
- ✅ Fundamental analysis
- ✅ Technical charts and support/resistance levels
- ✅ Institutional holdings
- ✅ News impact on share price
- ✅ Long-term potential and expert opinions
Let’s begin.
📊 Company Overview: IDFC First Bank
Incorporated: 2015 (Post-merger of IDFC Bank and Capital First)
Headquarters: Mumbai, India
CEO & MD: Mr. V. Vaidyanathan
Stock Exchanges: NSE (Symbol: IDFCFIRSTB), BSE
🏦 Background : IDFC First Bank Share Price
IDFC First Bank was formed by the merger of IDFC Bank Ltd. and Capital First Ltd., a leading NBFC. The goal was to create a new-age bank focused on retail lending, low-cost deposits, and tech-driven services.
💹 Historical Share Price Performance
| Year | Opening Price (₹) | Closing Price (₹) | % Change |
|---|---|---|---|
| 2019 | 42.15 | 46.50 | +10.3% |
| 2020 | 47.00 | 34.20 | -27.2% |
| 2021 | 35.10 | 52.75 | +50.3% |
| 2022 | 53.10 | 59.90 | +12.8% |
| 2023 | 60.20 | 90.40 | +50.1% |
| 2024 | 91.00 | ~102.30 (Dec) | +12.4% |
📝 Note: Prices are approximate averages. Volatility varies month to month. IDFC First Bank Share Price
🔍 Key Drivers of Share Price Movement
1. Retail Lending Growth
The bank has significantly grown its retail loan book, including personal loans, home loans, and vehicle finance.
- FY24 Retail Loan Growth: +24% YoY
- NPA Ratio: Under control (1.65% gross, 0.55% net)
2. Strong CASA Ratio
IDFC First Bank has achieved a CASA (Current Account Savings Account) ratio of over 50%, which is remarkable for a new-generation private bank.
3. Profit Turnaround
After years of losses post-merger, the bank is now consistently reporting quarterly profits, which boosts investor confidence.
4. Digital Banking Initiatives
Their mobile app and digital lending products are attracting young customers and fintech partnerships.
📈 Technical Chart Analysis (As of Mid-2025) IDFC First Bank Share Price
- Current Price: ₹104.25 (approximate)
- 52-Week High: ₹115.60
- 52-Week Low: ₹85.10
- Support Levels: ₹95, ₹87
- Resistance Levels: ₹108, ₹115
🔎 Indicators:
- RSI (Relative Strength Index): 58 → Neutral to bullish
- MACD: Bullish crossover seen recently
- Moving Averages: 50-day MA above 200-day MA → Golden cross bullish signal
🏛️ Institutional Holding & FII/DII Activity
| Holder Type | % Holding (2025 Q1) |
|---|---|
| Promoters | 39.98% |
| Foreign Institutions | 18.32% |
| Domestic Institutions | 16.20% |
| Public & Retail | 25.50% |
📌 Recent bulk deals show increased interest by Mutual Funds and Pension Funds — a positive sign for stability.
📰 Recent News That Moved Share Price
🔸 RBI Guidelines on Small Loan NBFCs
A favorable guideline from RBI in March 2025 boosted optimism for retail-focused banks like IDFC First.
🔸 Partnership with Google Pay
Announced in Feb 2025, this partnership allows IDFC First to offer co-branded financial services.
🔸 Quarterly Results Beat Estimates
Q4 FY24 net profit grew 35% YoY. Positive investor sentiment reflected in a 7% share price spike.
🔮 Analyst Ratings & Long-Term Forecast
| Brokerage House | Rating | Target Price (12 months) |
|---|---|---|
| ICICI Securities | BUY | ₹125 |
| Motilal Oswal | BUY | ₹135 |
| Kotak Institutional | ACCUMULATE | ₹120 |
| Sharekhan | STRONG BUY | ₹140 |
📢 Consensus: Bullish trend likely to continue, especially with credit growth and tech-led retail expansion.
💼 Should You Invest in IDFC First Bank Share Price?
✅ Pros:
- Steady profits and strong loan book quality
- Focus on digital-first retail banking
- Promising future for private banks in India
- Attracting long-term institutional investors
⚠️ Risks:
- Competitive pressure from fintechs & large private banks
- Sensitive to RBI regulations and repo rate hikes
- Still transforming from legacy NBFC model
🧠 FAQs on IDFC First Bank Share Price
Q1. What is the NSE symbol of IDFC First Bank?
A. The NSE ticker is IDFCFIRSTB.
Q2. What affects the IDFC First Bank share price?
A. Quarterly results, RBI policy, economic data, FII activity, and banking sector news.
Q3. Is IDFC First Bank good for long-term investment?
A. Many analysts believe it has potential due to digital expansion and rising retail presence, but always assess risk.
Q4. Can I buy IDFC First shares on Zerodha or Groww?
A. Yes. It is available on all major stock trading platforms like Zerodha, Upstox, AngelOne, Groww, etc.
📌 Final Verdict
IDFC First Bank has come a long way from its merger days, evolving into a digitally savvy, retail-driven bank. With consistent profits, improved asset quality, and investor trust, its share price has shown steady appreciation.