IDBI Bank Share Price Target 2027: Base and Bull Targets Built on FY26 Earnings

Investors weighing an IDBI Bank target price for 2027 should start with where the stock sits today. At Rs 83.25 on 9 October 2026, it is 29.7% below its 52-week high of Rs 118.38 and 36.5% above its 52-week low of Rs 61.01. That range spans 94% from low to high, so the entry point matters as much as the IDBI Bank price forecast itself.

This article builds the IDBI Bank share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario shows its assumptions, so you can see exactly how the Rs 99.8 base case and the Rs 120 bull case were reached, along with a downside risk level of Rs 66.6.

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IDBI Bank Stock Analysis: Company Overview and Key Stats

IDBI Bank (NSE: IDBI) has a market capitalisation of Rs 89,460 crore. In FY26 it reported revenue of Rs 35,631 crore and net profit of Rs 9,237 crore. The table collects the figures the IDBI Bank share price target is built on.

Metric	Value
Company	IDBI Bank
NSE Ticker	IDBI
CMP (9 October 2026)	Rs 83.25
52-Week High	Rs 118.38
52-Week Low	Rs 61.01
Market Cap	Rs 89,460 crore
PE Ratio (TTM)	9.57
Industry PE	12.00
Price to Book	1.48
Return on Equity	15.39%
EPS (TTM)	Rs 8.69
Dividend Yield	0.00%
12-Month Base Target	Rs 99.8
Bull Case	Rs 120
Downside Risk Level (not a target)	Rs 66.6

Why Is IDBI Bank Share Price Target Set at Rs 99.8 for 2027?

The base-case IDBI Bank stock target of Rs 99.8 applies a PE multiple of 9.57 to a forward EPS estimate of Rs 10.43. That EPS assumes 20.0% yearly growth, the pace from FY24 to FY26, and puts the target 19.9% above the current price. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.

Earnings Growth Behind the IDBI Bank Target Price: Five Years of Results

IDBI Bank grew revenue from Rs 23,235 crore in FY22 to Rs 35,631 crore in FY26, a compound annual growth rate of 11.3%. Net profit grew faster, from Rs 2,557 crore to Rs 9,237 crore (37.9% a year), which shows margin gains did part of the work and not just higher sales.

Financial Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Dividend per Share (Rs)
FY22	23,235.02	2,557.07	2.36	0.00
FY23	25,166.90	3,727.97	3.45	1.00
FY24	30,370.41	5,814.10	5.38	1.50
FY25	34,058.75	7,656.32	7.10	2.10
FY26	35,631.19	9,236.61	8.57	0.00

FY26 revenue growth was 4.6%, slower than the four-year average of 11.3%, and net profit moved up 20.6%. EPS rose from Rs 5.38 in FY24 to Rs 8.57 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.

Margins and the Latest Quarter

IDBI Bank converted 25.9% of FY26 revenue into net profit, against 22.5% in FY25, within a five-year range of 11.0% to 25.9%.

In the June 2026 quarter, revenue was Rs 8,633 crore, up 1.6% from the same quarter a year earlier, while net profit of Rs 2,131 crore was up 5.3%. The next quarterly result is the first test of whether the earnings assumption holds.

Balance Sheet and Cash Flow

As a lender, IDBI Bank funds its book mainly through deposits and borrowings, so debt to equity is not a meaningful gauge for it. Book value stands at Rs 56.31 per share and the price to book ratio is 1.48, and shareholders' equity grew from Rs 42,700 crore in FY22 to Rs 68,742 crore in FY26.

Valuation Check for the IDBI Bank Stock Target: PE, Price to Book and ROE

At a PE of 9.57 against an industry PE of 12.00, IDBI Bank trades at a discount to its industry. Price to book is 1.48 on a book value of Rs 56.31 per share, and return on equity is 15.39%. A PE of 9.57 equals an earnings yield of 10.4%, and the FY26 dividend of Rs 0.00 per share gives a yield of 0.00%.

Shareholding Pattern and Institutional Holding

Promoters held 94.71% of IDBI Bank in June 2026, and promoter holding has stayed near 94.71% since June 2025. Foreign institutional investors (FII) held 0.46% and domestic institutions (DII) held 0.11%, which puts total institutional holding at 0.57%. FII holding has stayed near 0.46% since June 2025. Public shareholders own the remaining 4.73%. Institutional holding this low means the stock sees limited professional coverage, and price moves can be sharper when trading volumes are thin.

IDBI Bank Share Price Targets for the Short Term and 12 Months

Short Term IDBI Bank Stock Target Levels: Technical Setup

At Rs 83.25 on 9 October 2026, IDBI Bank trades below its 50-day simple moving average of Rs 85.04 and below its 200-day exponential moving average of Rs 85.73. The 14-day RSI reads 50.5, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 85.04 (50-day simple moving average) and the nearest support is Rs 61.01 (52-week low). A sustained move above Rs 85.04 would improve the short-term setup, while a close below Rs 61.01 would shift attention to the next support.

12 Month IDBI Bank Target Price for 2027

The 12-month target for IDBI Bank is Rs 99.8: forward EPS of Rs 10.43 at a PE of 9.57. That is 19.9% above Rs 83.25. It would still leave the stock 15.7% below its 52-week high of Rs 118.38.

How EPS Growth and PE Multiple Change the IDBI Bank Target Price

EPS Growth	PE 7.66	PE 9.57	PE 11.01
0.0% (EPS Rs 8.69)	Rs 66.6	Rs 83.2	Rs 95.7
20.0% (EPS Rs 10.43)	Rs 79.9	Rs 99.8	Rs 115
25.0% (EPS Rs 10.86)	Rs 83.2	Rs 104	Rs 120

Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the IDBI Bank price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.

Bull Case and Downside Risk for IDBI Bank Stock Target in 2027

Bull Case Rs 120

The bull case IDBI Bank price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 10.86, and a PE multiple that rises 15% to 11.01. That gives Rs 120, 44.1% above the current price and above the 52-week high of Rs 118.38, so the stock would have to set a fresh 52-week high.

Downside Risk Level Rs 66.6

The downside risk level is not a target. It assumes EPS stays flat at Rs 8.69 and the PE falls 20% to 7.66. That gives Rs 66.6, 20.0% below the current price and above the 52-week low of Rs 61.01.

Scenario	EPS Growth	PE Multiple	Price (Rs)	Change vs CMP
Bull Case	25.0%	11.01	Rs 120	+44.1%
Base Case	20.0%	9.57	Rs 99.8	+19.9%
Downside Risk	0.0%	7.66	Rs 66.6	-20.0%

Key Risks to the IDBI Bank Target Price for 2027

Growth Slowdown Risk for the IDBI Bank Price Target

Revenue in the June 2026 quarter was up 1.6% year on year, and FY26 revenue growth was 4.6%. If growth slows from here, the EPS estimate behind the IDBI Bank stock target will need revising.

Liquidity and Size Risk

IDBI Bank has a market capitalisation of Rs 89,460 crore. Institutional holding is 0.57%, and promoters hold 94.71%. A company of this size trades with deep liquidity, so entry and exit are rarely a problem, and the larger risk is paying too much for slow earnings growth.

Valuation and Margin Risk

Net margin was 25.9% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 9.57 versus an industry PE of 12.00, a de-rating toward the downside-risk PE of 7.66 would cut the price even if earnings hold.

Market and Technical Risk

The stock trades 29.7% below its 52-week high, with an RSI of 50.5 and a MACD reading above its signal line. Broader market weakness can override company fundamentals in the short term.

How to Invest in IDBI Bank

Start with the live price and volume. Any IDBI Bank share price target is only as current as the data behind it, and the data here is as of 9 October 2026, so refresh the Rs 83.25 price before acting on any level.

Next, review the fundamentals yourself. The Univest Screener lets you check IDBI Bank's PE, ROE, debt and shareholding in one place.

Check IDBI Bank fundamentals on the Univest Screener

Then compare the three IDBI Bank target price scenarios with your own view. If you expect EPS growth below 20.0%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.

Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.

Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.

Download the Univest iOS App or Univest Android App to track IDBI Bank live price and get daily stock recommendations.

Conclusion

The IDBI Bank share price target for 2027 is Rs 99.8 in the base case, with Rs 120 as the bull case. The support for that view is arithmetic you can check: EPS grew 26.2% a year over FY24 to FY26, and the stock trades at a PE of 9.57. The risks are equally concrete, including institutional holding of only 0.57% and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.

FAQs on IDBI Bank Share Price Target 2027

What is the IDBI Bank share price target for 2027?

Ans. The base-case IDBI Bank share price target for 2027 is Rs 99.8, with Rs 120 as the bull case. The downside risk level, which is not a target, is Rs 66.6. These are model estimates from reported earnings and the current PE, not guaranteed outcomes.

What is the IDBI Bank share price today?

Ans. As of 9 October 2026, 3:29 PM IST, IDBI Bank trades at Rs 83.25, up 0.08% on the day. The 52-week range is Rs 61.01 to Rs 118.38.

Is IDBI Bank a buy or sell at the current price?

Ans. The data is mixed rather than one-sided: EPS has grown 26.2% a year over FY24 to FY26, but institutional holding is only 0.57%. Whether IDBI Bank fits your portfolio depends on your time horizon and risk appetite, so consult a SEBI-registered advisor before investing. This article is not investment advice.

What are the bull case target and downside risk level for IDBI Bank shares?

Ans. The bull case target is Rs 120, which assumes 25.0% EPS growth and a PE of 11.01. The downside risk level is Rs 66.6, which assumes flat EPS and a PE of 7.66. It marks a risk, not a target.

What are the main risks to the IDBI Bank price target?

Ans. The main risks are slower revenue growth, a small market capitalisation of Rs 89,460 crore, a PE de-rating and short-term weakness in the broader market. Institutional holding is only 0.57%, which can make price moves sharper.

What is the PE ratio of IDBI Bank and how does it compare with the industry?

Ans. The PE ratio of IDBI Bank is 9.57 against an industry PE of 12.00. Price to book is 1.48 and return on equity is 15.39%. The base case in the IDBI Bank price target holds this PE constant.

Who owns IDBI Bank, and what is the promoter holding?

Ans. Promoters held 94.71% of IDBI Bank in June 2026. FII held 0.46%, DII held 0.11% and the public held 4.73%.

What were IDBI Bank's latest quarterly results?

Ans. In the June 2026 quarter, IDBI Bank reported revenue of Rs 8,633 crore (up 1.6% year on year) and net profit of Rs 2,131 crore (up 5.3%).