IDFC First Bank Ltd.

IDFC First Bank was formed via merger of IDFC Bank and Capital First, with a new strategy focused on retail banking, digital assets, and risk-calibrated lending. It has delivered strong CASA growth, digital innovation, and industry-leading NIMs in recent years. Prudent credit selection, a young customer base, and a scalable platform support ongoing momentum. The main risks are high funding costs and the ongoing challenge of improving legacy asset quality toward private sector peer benchmarks.