{"id":192094,"date":"2026-08-10T10:15:55","date_gmt":"2026-08-10T04:45:55","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=192094"},"modified":"2026-08-10T10:15:57","modified_gmt":"2026-08-10T04:45:57","slug":"idfc-first-bank-vs-rbl-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/","title":{"rendered":"IDFC First Bank vs RBL Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>IDFC First Bank MCap Rs 73,330 Cr, PE 31.87x, ROE 4.76%, PB 1.51. RBL Bank MCap Rs 60,363 Cr, PE 67.09x, ROE 2.11%, PB 1.42.<\/em><\/p>\n<p>IDFC First Bank vs RBL Bank is a comparison investors look up when evaluating mid-size private banks that have had profitability challenges in recent years. IDFC First Bank was formed from the merger of IDFC Bank and Capital First in 2018 and is building a retail-first franchise under V. Vaidyanathan, while RBL Bank has faced asset quality pressure in its microfinance and credit card segments and is working on stabilising its loan book. Both trade below the levels of larger private peers on ROE metrics.<\/p>\n<p>This IDFC First Bank vs RBL Bank article covers reach and market position, key products, latest declared results and stock valuation. The IDFC First Bank vs RBL Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#IDFC_First_Bank_vs_RBL_Bank_Reach_and_Market_Position\" title=\"IDFC First Bank vs RBL Bank: Reach and Market Position\">IDFC First Bank vs RBL Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#IDFC_First_Bank_vs_RBL_Bank_Key_Products_and_Business_Mix\" title=\"IDFC First Bank vs RBL Bank: Key Products and Business Mix\">IDFC First Bank vs RBL Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#IDFC_First_Bank_vs_RBL_Bank_Latest_Results\" title=\"IDFC First Bank vs RBL Bank: Latest Results\">IDFC First Bank vs RBL Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#IDFC_First_Bank_vs_RBL_Bank_Stock_and_Valuation\" title=\"IDFC First Bank vs RBL Bank: Stock and Valuation\">IDFC First Bank vs RBL Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#IDFC_First_Bank_vs_RBL_Bank_Quick_Comparison_Table\" title=\"IDFC First Bank vs RBL Bank: Quick Comparison Table\">IDFC First Bank vs RBL Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#What_is_IDFC_First_Bank_known_for\" title=\"What is IDFC First Bank known for?\">What is IDFC First Bank known for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Why_is_RBL_Banks_ROE_so_low\" title=\"Why is RBL Bank&#8217;s ROE so low?\">Why is RBL Bank&#8217;s ROE so low?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Does_IDFC_First_Bank_pay_dividends\" title=\"Does IDFC First Bank pay dividends?\">Does IDFC First Bank pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Is_RBL_Bank_a_safe_investment\" title=\"Is RBL Bank a safe investment?\">Is RBL Bank a safe investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#How_does_IDFC_First_Banks_ROE_compare_to_ICICI_Bank\" title=\"How does IDFC First Bank&#8217;s ROE compare to ICICI Bank?\">How does IDFC First Bank&#8217;s ROE compare to ICICI Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#What_is_the_main_business_of_RBL_Bank\" title=\"What is the main business of RBL Bank?\">What is the main business of RBL Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/idfc-first-bank-vs-rbl-bank-comparison\/#Are_IDFC_First_Bank_and_RBL_Bank_in_Nifty_50\" title=\"Are IDFC First Bank and RBL Bank in Nifty 50?\">Are IDFC First Bank and RBL Bank in Nifty 50?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_vs_RBL_Bank_Reach_and_Market_Position\"><\/span><strong>IDFC First Bank vs RBL Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the IDFC First Bank side of the IDFC First Bank vs RBL Bank comparison, IDFC First Bank operates over 900 branches and has pivoted strongly toward retail deposits and retail lending \u2014 home loans, consumer loans, vehicle loans and kisan credit cards. Market capitalisation is Rs 73,330 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=idfcfirst-vs-rblbank\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the RBL Bank side of the IDFC First Bank vs RBL Bank comparison, RBL Bank operates around 550 branches with a focus on wholesale banking, credit cards co-branded with leading fintechs, and microfinance. The bank is working through asset quality issues in its microfinance and credit card book. Market capitalisation is Rs 60,363 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_vs_RBL_Bank_Key_Products_and_Business_Mix\"><\/span><strong>IDFC First Bank vs RBL Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the IDFC First Bank vs RBL Bank product comparison, IDFC First Bank offers: IDFC First Bank earns from retail loans, vehicle finance, microfinance, home loans and corporate credit. EPS is Rs 2.67. P\/E is 31.87x, ROE 4.76 percent, PB 1.51. Dividend yield is 0.29 percent.<\/p>\n<p>For RBL Bank in this IDFC First Bank vs RBL Bank breakdown: RBL Bank earns from SME loans, credit cards, microfinance and wholesale banking. EPS is Rs 5.81. P\/E is 67.09x, ROE 2.11 percent, PB 1.42. The elevated P\/E reflects very thin current earnings.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_vs_RBL_Bank_Latest_Results\"><\/span><strong>IDFC First Bank vs RBL Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IDFC First Bank vs RBL Bank results for IDFC First Bank: IDFC First Bank has a market cap of Rs 73,330 Cr and P\/E of 31.87x. ROE of 4.76 percent is low relative to peers, reflecting the bank&#8217;s ongoing investment in branch expansion and the shift from wholesale to retail lending. Management has guided for gradual ROE improvement as the retail book matures.<\/p>\n<p>The IDFC First Bank vs RBL Bank results for RBL Bank: RBL Bank has a market cap of Rs 60,363 Cr and P\/E of 67.09x. ROE of 2.11 percent is very low, reflecting the impact of elevated credit costs in its microfinance and credit card segments. The bank is tightening underwriting and repositioning its portfolio mix.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare IDFC First Bank and RBL Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_vs_RBL_Bank_Stock_and_Valuation\"><\/span><strong>IDFC First Bank vs RBL Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IDFC First Bank vs RBL Bank stock comparison uses the latest available market data from Groww. Investors tracking IDFC First Bank vs RBL Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>IDFC First Bank vs RBL Bank at current valuations: IDFC First Bank trades at Rs 73,330 Cr market cap, P\/E 31.87x, ROE 4.76 percent, PB 1.51. RBL Bank trades at Rs 60,363 Cr market cap, P\/E 67.09x, ROE 2.11 percent, PB 1.42. Both banks have elevated P\/E due to depressed earnings, and both are rebuilding profitability from different starting points.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDFC_First_Bank_vs_RBL_Bank_Quick_Comparison_Table\"><\/span><strong>IDFC First Bank vs RBL Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IDFC First Bank vs RBL Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/idfcfirstb\/idfc-first-bank-ltd-share-price-today\">IDFC First Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/rblbank\/rbl-bank-ltd-share-price-today\">RBL Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Mid-size private bank (retail pivot)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Mid-size private bank (MFI\/card stress)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 73,330 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 60,363 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">31.87x (low earnings)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">67.09x (very thin earnings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">4.76%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.11%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.51<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.42<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.29% yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.10% yield<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Credit Focus<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Retail loans, vehicle, home, MFI<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Credit cards, SME, wholesale, MFI<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The IDFC First Bank vs RBL Bank comparison above covers the key data points on reach, products, results and valuation. IDFC First Bank vs RBL Bank highlights two mid-size private banks going through profitability recovery cycles. IDFC First Bank is building a long-term retail franchise with improving deposit costs, while RBL Bank is stabilising its credit card and MFI stress. Investors should review NIM trajectory, credit cost guidance, deposit franchise growth, and capital ratios before taking a view. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track IDFC First Bank and RBL Bank live price and get daily stock recommendations.<\/em><\/p>\n<p>SEBI Research Analyst Registration No. INH000013776<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_IDFC_First_Bank_known_for\"><\/span><strong>What is IDFC First Bank known for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDFC First Bank was formed from the merger of IDFC Bank and Capital First in 2018. Under V. Vaidyanathan, it has shifted from wholesale to retail banking, building a strong deposit franchise and focusing on consumer and vehicle loans, home loans and kisan credit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_RBL_Banks_ROE_so_low\"><\/span><strong>Why is RBL Bank&#8217;s ROE so low?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> RBL Bank has faced elevated credit costs in its microfinance and credit card portfolios, which compressed earnings and ROE to approximately 2.11 percent. The bank is working on tightening underwriting and repositioning its product mix.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_IDFC_First_Bank_pay_dividends\"><\/span><strong>Does IDFC First Bank pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDFC First Bank pays a small dividend yield of approximately 0.29 percent. The bank is prioritising capital retention to fund its retail expansion.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_RBL_Bank_a_safe_investment\"><\/span><strong>Is RBL Bank a safe investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investors should review RBL Bank&#8217;s NPA levels, credit card portfolio stress, capital adequacy ratio, and management commentary before making any assessment. Consult a SEBI-registered advisor for guidance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_IDFC_First_Banks_ROE_compare_to_ICICI_Bank\"><\/span><strong>How does IDFC First Bank&#8217;s ROE compare to ICICI Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDFC First Bank&#8217;s ROE of 4.76 percent is significantly lower than ICICI Bank&#8217;s 15.00 percent, reflecting the early-stage retail build-out and the need for provisioning in its older wholesale book.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_business_of_RBL_Bank\"><\/span><strong>What is the main business of RBL Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> RBL Bank earns primarily from SME and commercial banking, credit cards co-branded with fintechs, microfinance, and wholesale corporate lending. Credit cards and MFI were the main stress points in 2023 to 2025.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_IDFC_First_Bank_and_RBL_Bank_in_Nifty_50\"><\/span><strong>Are IDFC First Bank and RBL Bank in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. Neither IDFC First Bank nor RBL Bank is currently in Nifty 50. They are part of the broader Nifty 500 and are tracked in mid-cap banking indices.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>IDFC First Bank vs RBL Bank compared on loan book, retail mix, ROE and valuation. Full data-backed breakdown for mid-size Indian private bank investors.<\/p>\n","protected":false},"author":35,"featured_media":192093,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802],"class_list":["post-192094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["192093"],"_edit_lock":["1786337160:29"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["77"],"rank_math_title":["IDFC First Bank vs RBL Bank: Which Stock Should You Track"],"rank_math_description":["IDFC First Bank vs RBL Bank compared on loan book, retail mix, ROE and valuation. Full data-backed breakdown for mid-size Indian private bank investors."],"rank_math_focus_keyword":["IDFC First Bank vs RBL Bank"],"rank_math_robots":["a:2:{i:0;s:8:\"nofollow\";i:1;s:7:\"noindex\";}"],"_edit_last":["29"],"_ez-toc-disabled":[""],"_ez-toc-insert":[""],"_ez-toc-header-label":[""],"_ez-toc-alignment":["none"],"_ez-toc-heading-levels":["a:0:{}"],"_ez-toc-alttext":[""],"_ez-toc-visibility_hide_by_default":[""],"_ez-toc-hide_counter":[""],"_ez-toc-exclude":[""],"_ez-toc-position-specific":["before"],"stm_select_gm_zoom":[""],"stm_agenda":[""],"stm_host":[""],"stm_select_approved_denied":[""],"stm_multiselect_approved":[""],"stm_multiselect_denied":[""],"stm_date":[""],"stm_time":[""],"stm_timezone":[""],"stm_duration":[""],"stm_password":[""],"stm_waiting_room":[""],"stm_join_before_host":[""],"stm_host_join_start":[""],"stm_start_after_participants":[""],"stm_mute_participants":[""],"stm_enforce_login":[""],"stm_alternative_hosts":[""],"top_bar_custom_style":[""],"top_bar_bg":[""],"wc_top_bar_cart_custom_style":[""],"wc_top_bar_cart_color":[""],"wc_top_bar_cart_icon_color_hover":[""],"wc_top_bar_cart_counter_color":[""],"wc_top_bar_cart_counter_color_hover":[""],"wc_top_bar_cart_counter_bg":[""],"wc_top_bar_cart_counter_bg_hover":[""],"top_bar_wpml_switcher_custom_style":[""],"wpml_switcher_color":[""],"top_bar_wpml_switcher_bg":[""],"top_bar_wpml_switcher_bg_hover":[""],"top_bar_wpml_switcher_color_hover":[""],"top_bar_socials_custom_style":[""],"top_bar_socials_color":[""],"top_bar_socials_color_hover":[""],"top_bar_search_custom_style":[""],"top_bar_search_color":[""],"top_bar_search_icon_color_hover":[""],"top_bar_contact_info_style":[""],"top_bar_contact_info_color":[""],"top_bar_contact_info_link_color":[""],"top_bar_contact_info_link_color_hover":[""],"top_bar_contact_info_select_bg":[""],"top_bar_contact_info_select_color":[""],"top_bar_contact_info_select_drop_bg":[""],"top_bar_contact_info_select_items_bg":[""],"top_bar_contact_info_select_items_color":[""],"top_bar_contact_info_select_items_hover":[""],"header_inverse":["default"],"enable_header_transparent":["off"],"header_nav_custom_style":[""],"header_bg":[""],"header_shadow":[""],"wc_cart_custom_style":[""],"wc_cart_icon_color":[""],"wc_cart_icon_color_hover":[""],"wc_cart_counter_color":[""],"wc_cart_counter_color_hover":[""],"wc_cart_counter_bg":[""],"wc_cart_counter_bg_hover":[""],"header_wpml_switcher_custom_style":[""],"header_wpml_switcher_color":[""],"header_wpml_switcher_color_hover":[""],"header_wpml_switcher_bg":[""],"header_wpml_switcher_bg_hover":[""],"header_socials_custom_style":[""],"header_socials_color":[""],"header_socials_color_hover":[""],"header_search_custom_style":[""],"header_search_icon_color":[""],"header_search_icon_color_hover":[""],"header_contact_info_style":[""],"header_contact_info_color":[""],"header_contact_info_link_color":[""],"header_contact_info_link_color_hover":[""],"header_button_custom_style":[""],"header_button_color":[""],"header_button_color_hover":[""],"header_button_bg":[""],"header_button_bg_hover":[""],"header_nav_menu_customize":[""],"header_nav_menu_link_color":[""],"header_nav_menu_link_color_hover":[""],"header_nav_menu_link_color_active":[""],"header_nav_menu_link_arrow_color":[""],"header_nav_menu_link_arrow_color_hover":[""],"header_nav_menu_level_1_bg":[""],"header_nav_menu_level_1_link_color":[""],"header_nav_menu_level_1_link_color_hover":[""],"header_nav_menu_level_1_link_bg_hover":[""],"header_nav_menu_level_1_link_arrow_color":[""],"header_nav_menu_level_1_link_arrow_color_hover":[""],"header_nav_menu_level_2_bg":[""],"header_nav_menu_level_2_link_color":[""],"header_nav_menu_level_2_link_color_hover":[""],"header_nav_menu_level_2_link_bg_hover":[""],"header_mega_menu_bg":[""],"header_mega_menu_title_color":[""],"header_mega_menu_title_color_hover":[""],"header_mega_menu_description_color":[""],"header_mega_menu_description_link_color":[""],"header_mega_menu_description_link_color_hover":[""],"header_mega_menu_color":[""],"header_mega_menu_color_hover":[""],"header_mega_menu_border_color":[""],"header_mega_menu_icons_color":[""],"header_nav_menu_customize_end":[""],"hfe_enabled_notice":[""],"disable_title_box":["default"],"hfe_disabled":[""],"enable_transparent":["default"],"title_box_title_bg_color":[""],"title_box_bg_custom_image":["default"],"title_box_bg_image":[""],"title_box_bg_position":["default"],"metabox_title_box_bg_position_x":[""],"metabox_title_box_bg_position_y":[""],"metabox_title_box_bg_attachment":["default"],"title_box_bg_size":["default"],"metabox_title_box_bg_size_slider":[""],"title_box_bg_repeat":["default"],"disable_title":["default"],"title_box_title_color":[""],"title_box_title_line_color":[""],"disable_breadcrumbs":["default"],"metabox_title_box_breadcrumbs_color":[""],"metabox_title_box_links_color":[""],"metabox_title_box_links_color_hover":[""],"content_bg_transparent":[""],"show_popup_single":[""],"popups_single":[""],"popups_single_event":[""],"popup_single_event_open_delay":[""],"popup_single_event_showing_in":[""],"popup_single_event_date_from":[""],"popup_single_event_date_to":[""],"popup_single_event_time_from":[""],"popup_single_event_time_to":[""],"popup_single_animation":[""],"popup_single_responsive":[""],"separator_footer_copyright_border_t":[""],"name":[""],"email":[""],"phone":[""],"company":[""],"memberId":[""],"testimonial_position":[""],"testimonial_company":[""],"testimonial_bg_img":[""],"testimonial_video_url":[""],"popups_width":[""],"popups_height":[""],"popups_image_bg":[""],"popups_color_bg":[""],"popups_border_radius":[""],"popups_template":[""],"rank_math_analytic_object_id":["35176"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/08\/idfc-first-bank-vs-rbl-bank-comparison.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/192094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=192094"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/192094\/revisions"}],"predecessor-version":[{"id":192144,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/192094\/revisions\/192144"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/192093"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=192094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=192094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=192094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}