# IDFC First Bank

IDFC First Bank is a Bank / Wealth / Trust based in Mumbai, India.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Mumbai, India
- **Region:** Asia
- **Address:** Mumbai, Maharashtra, India
- **Founded:** 2015
- **Assets under management:** Undisclosed
- **Website:** www.idfcfirstbank.com
- **LinkedIn:** linkedin.com/company/idfcfirstbank
- **Wikidata:** Q22031467

## Regulatory record

- **Reports private funds:** No

## About

At IDFC FIRST Bank we provide comprehensive personal banking services tailored to your needs. From personal accounts to loans, investments, payments etc, we're here to help you achieve your financial goals

## Sectors

- Financial Services
- Private Credit
- Real Estate
- Infrastructure

## People

- V. Vaidyanathan — Managing Director & CEO

## Questions

### Who runs investment decisions at IDFC First Bank?

V. Vaidyanathan serves as Managing Director and CEO, setting strategic direction including treasury deployment and credit allocation. The bank operates board-approved credit committees and asset-liability management frameworks typical of RBI-regulated universal banks. Day-to-day treasury and wholesale lending decisions fall under senior corporate banking and treasury leadership.

### How is IDFC First Bank related to the original IDFC Limited?

IDFC First Bank was carved out of IDFC Limited, the infrastructure financing institution founded in 1997 to catalyze private infrastructure investment in India. IDFC Limited obtained a universal banking license in 2015, forming IDFC Bank. The 2018 reverse merger with Capital First separated the banking entity from IDFC Limited's asset management and alternatives businesses, with Vaidyanathan's team taking operating control.

### What asset classes does IDFC First Bank deploy into?

The bank deploys across wholesale infrastructure and project finance, corporate lending, public-sector undertakings, and a diversified retail loan book including home loans, vehicle finance, small-business loans, and microfinance. Its treasury participates in government securities, corporate bonds, and money-market instruments as part of statutory liquidity requirements and proprietary positioning.

### Does IDFC First Bank manage third-party capital?

No. IDFC First Bank operates as a regulated commercial bank deploying its own balance sheet and retail deposit base, not as a third-party asset manager. Related entities under the broader IDFC umbrella historically managed infrastructure funds and alternatives, but those sit outside the bank's regulatory perimeter.

### What is IDFC First Bank's posture on infrastructure versus retail lending?

The bank maintains a dual posture — a legacy wholesale infrastructure and corporate loan book inherited from IDFC Bank, and a rapidly growing retail, rural, and small-business franchise from the Capital First lineage. Post-merger strategy has prioritized granular retail deposit mobilization to lower funding costs while selectively renewing high-rated infrastructure exposures.

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Last updated: 2026-06-03T20:00:00.000Z

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