IDFC First Bank: Hidden Gem or Value Trap? | Festival of Fundamentals

Coupon Code: HAPPYDIWALI (60% off on Model Portfolios All, Stock-o-meter & Fund-o-meter)

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Join Anush Mokashi from IDFC First Bank Wealth in this special "Festival of Fundamentals" episode as we dive deep into the fundamental analysis of IDFC First Bank. Discover whether this dynamic Indian private sector bank is a hidden gem for your long-term investment portfolio or if there are underlying risks to consider.

In this comprehensive stock review, Anush Mokashi breaks down:
The Big Transformation: How IDFC First Bank shifted from infrastructure financing to a robust retail and MSME banking powerhouse after its merger with Capital First.

Stellar Growth: Unpack the bank's impressive financial performance, including a 75.5% YoY net profit surge in Q2 FY26, strong deposit and loan growth (23.4% and 19.7% YoY respectively), and an improving CASA ratio.
Product Powerhouse: A look at their diverse offerings, from zero-fee savings accounts and a wide array of credit cards to various loans and cutting-edge digital banking services.

Asset Quality & Ratios: Get a clear picture of IDFC First Bank's gross and net NPA ratios, capital adequacy, and the management's ambitious targets for ROE and ROA.

Opportunities & Challenges: Understand the factors driving its growth, potential future catalysts, and critical considerations like its cost-to-income ratio and provisioning strategies.

Investment Outlook: An expert perspective on IDFC First Bank's long-term investment potential, share price targets, and what analysts are saying.

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00:00 Start
01:25 Where are we in the journey?
02:29 Income statement as % of Average total assets
03:56 Q2FY26 snapshot
05:26 Income statement analysis
06:34 Casa deposit strong despite competition & high rates
06:55 Cost of funds nearing top banks
07:34 Want to further reduce cd ratio - holding sa rates
09:00 Segment wise growth
11:04 Asset quality - GNPA
11:27 SMA
11:53 Mfi stress over
12:42 C/I reduction in process
13:45 Opex growth to be slower now
15:21 Whats next?
16:16 Valuations
16:52 Conclusion

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Disclosure with regard to ownership and material conflicts of interest
1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;
2. Neither Research Analyst nor the entity nor its associates or relatives have actual / beneficial ownership of one per cent or more securities of the subject Company, at the end of the month immediately preceding the date of publication of the research report or date of public appearance;
3. Neither Research Analyst nor the entity nor its associates or his relatives have any other material conflict of interest at the time of publication of the research report or at the time of public appearance.
Disclosure with regard to receipt of Compensation
1. The Research Entity and its associates have not received compensation from the subject company in the past twelve months.
2. The subject company is not or was not a client during the twelve months preceding the date of recommendation.