IDFC First Bank Share Price Target From 2025 to 2030
IDFC First Bank Share Price Target From 2025 to 2030: Investing in the stock market means having a proper understanding of the financial condition, market situation, and expectations of a company. IDFC FIRST Bank is also one such organization that has been able to gather enough interest among investors due to its growth policy and improved financial performance. The article provides an overall report on IDFC FIRST Bank, from its current share price to fundamentals, technicals, and share price prediction for 2025-2030.
Company Overview and Market Position
IDFC FIRST Bank is a major Indian private sector bank, formed as a result of the merger of IDFC Bank and Capital First. It operates businesses in corporate lending, retail banking, and digital banking products. Technology orientation and financial inclusion have boosted the customer base and loan pool of the bank.
The growth drivers are:
- Retail Loan Growth: Retail loan growth has reduced the risk associated with corporate lending.
- Fintech and Mobile Banking Drive: Investment in fintech services and mobile banking has increased customer reach.
- Asset Quality Improvement: Reduction in non-performing assets (NPAs) has enhanced financial health.
Foreign Institutional Investor Sentiment: Foreign institutional holding (FII) and mutual fund holding have increased, as the investors’ confidence level in the long-term performance of the bank has increased.
Current Share Price Performance
The share showed bearish as well as bullish momentum in the last one year. Some of the performance statistics are as follows:
- Open: ₹56.50
- High: ₹57.85
- Low: ₹54.63
- Market Cap: ₹40,220 Crore
- P/E Ratio: 20.58
- 52-Week High: ₹86.10
- 52-Week Low: ₹52.60
- Debt-to-Equity Ratio: 1.29
- Return on Capital (ROC): 7.81%
- Earnings Per Share (EPS): ₹5.42
- Book Value: ₹83.83
Shareholding Pattern
- Retail & Others Holding: 64.60%
- Foreign Institutional Investors (FII) Holding: 20.82%
- Mutual Fund Holding: 9.38%
- Institutional Investor Holdings: From 34.81% to 52.43%
These figures indicate that though the stock has been short-term volatile, its long term is healthy.
Technical Analysis – Is This a Good Time to Invest?
A technical check can reveal the short-term and long-term trend of the stock:
- Momentum Score: 39.1 (Neutral)
- MACD (Moving Average Convergence Divergence): -0.9 (Bearish)
- RSI (Relative Strength Index): 39.7 (Neutral, close to oversold levels)
- ADX (Average Directional Index): 24.8 (Weak trend)
- ROC (Rate of Change, 21 days): -6.5 (Bearish trend)
- Money Flow Index (MFI): 26.4 (Oversold, indicating probable bounce)
- ATR (Average True Range): 1.6 (Volatility phase)
All these indicate are in the same direction that despite the recent correction in the stock, it is probable to recover and go higher in the next two/three months.
IDFC FIRST BANK Share Price Target (2025-2030)
On technical as well as fundamental reasons, are these price targets probable:
| YEAR | SHARE PRICE TARGET (₹) |
| 2025 | ₹90 |
| 2026 | ₹120 |
| 2027 | ₹150 |
| 2028 | ₹180 |
| 2029 | ₹210 |
| 2030 | ₹240 |
- 2025: ₹90 (Sharp bank revival with retail and digital expansion persisting)
- 2026: ₹120 (High profitability with optimistic investor sentiment)
- 2027: ₹150 (Accrued earnings growth and improved asset quality)
- 2028: ₹180 (Consolidated retail credit expansion and success in digital turnaround)
- 2029: ₹210 (Dominance of digital banking and fintech integrations)
- 2030: ₹240 (Strong earnings, increasing institutional holding, and long-term expansion)
Investment Strategy – Buy or Not?
Short-Term Investors (1-2 Years)
- Risk Level: High
- Strategy: Wait for the confirmation of bullish trends to invest.
- Exit Target: ₹90-₹120
Medium-Term Investors (3-5 Years)
- Risk Level: Moderate
- Strategy: Buy the stocks on dips and hold to grow.
- Exit Target: ₹150-₹180
Long-Term Investors (5+ Years)
- Risk Level: Low
- Strategy: Invest to grow for 5 years, capturing the benefit of industry growth.
- Exit Target: ₹210-₹240
Risks and Challenges
Even though IDFC FIRST Bank also has great growth opportunities, keep in mind there are some risks involved too:
- Market Volatility: Volatility over the short term can impact the behavior of the stock.
- Regulatory Changes: The government can change the rules of the banking industry, and these can impact business.
- Competition: Banking is a competitive industry.
- Global Economic Conditions: Adverse trend in any part of the world can influence investor sentiment.
Final Verdict – Is It a Good Investment?
IDFC FIRST Bank has long-term growth opportunities with decent fundamentals, digitalization, and increasing institutional demand. Volatility would be present in the short term, but 5+ year horizon long-term investors could look forward to decent returns. Investors would study major financial and technical trends before investing.
FAQs For IDFC First Bank Share Price
1. What will IDFC FIRST Bank be worth in 2025?
Share price in 2025 will be around ₹90 considering the growing retail business of the bank along with stronger financial numbers.
2. Will IDFC FIRST Bank reach ₹200 in 2029?
With the current growth prospect, the share can rise up to ₹210 in 2029 if the bank continues its smooth financial run.
3. Is IDFC FIRST Bank a long-term investment stock?
Yes, given its retail banking orientation, digital push, and financials upgrade, it is a long-term bet to place.
4. What are the risks of investing in IDFC FIRST Bank?
There are big risks like market volatility, regulatory environment, competition, and economic slowdown that can affect the performance of shares.
5. Is it the right time to invest in IDFC FIRST Bank stocks?
For long-term investors, such buys at such prices and on the dips can fetch humongous returns up to 2030.
