IDFC First Bank Deposits: Q4 FY26 Mein Toofani Growth, Share ₹60 Paar!

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AuthorRiya Kapoor|Published at:
IDFC First Bank Deposits: Q4 FY26 Mein Toofani Growth, Share ₹60 Paar!
Overview

Arre yaar, IDFC First Bank ne Q4 FY26 mein kamaal kar diya! Customer deposits **17.2%** badh kar **₹2.84 lakh crore** ho gaye aur loans **20%** jump kar ke **₹2.90 lakh crore** tak pahunch gaye. Market mein chal rahi gadbadi ke bawajood bank ne mast performance dikhaya hai, aur CASA ratio bhi **49.8%** ho gaya hai.

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Dekho, yeh jo 17.2% deposit growth aur 20% loan growth hua hai na Q4 FY26 mein, yeh aise hi nahi ho gaya. Bank ne kaafi shiddat se deposit collect kiye aur mushkil market conditions ko bhi face kiya. West Asia ki tension, liquidity ka tight hona, yeh sab factors the, phir bhi bank ne apna CASA ratio 49.8% tak pahuncha liya, jo pichhle saal 46.9% tha. Yeh sab low-cost funding par focus karne ki strategy hai. Unka average LCR bhi 114% se upar hai, matlab liquidity full hai.

Abhi share price ₹60.49 ke aas paas chal raha hai, lekin agar valuation ki baat karein toh ye HDFC Bank aur ICICI Bank jaise bade banks se thoda premium par hai. Analysts ka consensus 'Moderate Buy' ka hai aur target price ₹78 se ₹85 ke beech mein hai, jo 37% tak ka upside dikha raha hai.

Lekin bhai, har cheez mein risk hota hai. West Asia conflict ki wajah se NPA mein 10-20 basis points ka increase ho sakta hai. Aur sabse badi baat, February 2026 mein Chandigarh branch mein ₹590 crore ka fraud hua tha, jisne stock ko 16% gira diya tha aur internal controls par sawaal uthaya tha. Halanki, bank ka NPA ab kam hokar 1.87% (gross) aur 0.53% (net) ho gaya hai, jo ek achhi baat hai.

Fir bhi, future outlook kafi bright lag raha hai. Analysts expecting kar rahe hain ki FY27 bank ke liye 'breakthrough' year ho sakta hai. Digital initiatives aur branch expansion se profitability badhne ki umeed hai.

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