IDFC First Bank Ltd is a private sector bank in India that emerged from the merger of IDFC Bank and Capital First. The bank has transitioned from an infrastructure-lending legacy model to a retail-focused, deposit-driven banking franchise. Over recent years, it has repositioned itself as a granular retail bank with emphasis on high-quality lending, improving CASA, and digital banking expansion. Core Business Model 1️⃣ Retail Banking Focus Home loans Personal loans Business loans Vehicle loans Credit cards Retail loans now form the dominant portion of the loan book, reducing earlier corporate concentration risk. 2️⃣ Deposit Franchise Expansion Growing CASA (Current & Savings Account) base Focus on granular retail deposits Improving cost of funds over time 3️⃣ Digital Banking Push