IDBI Bank (NSE:IDBI) Moat Score: 0/10 (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:IDBI IDBI Bank Ltd NSE:IDBI
65 GF Score
Price ₹87.02
GF Value ₹94.07
Valuation Fairly Valued
! 2 Warning Signs
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What is IDBI Bank Moat Score?

IDBI Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

IDBI Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes IDBI Bank might have No Moat - No discernible moat.

IDBI Bank  (NSE:IDBI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

IDBI Bank Moat Score Related Terms

NSE:IDBI
65GF Score
IDBI Bank Ltd NSE:IDBI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is IDBI Bank (NSE:IDBI) Overvalued in 2026?

Based on GuruFocus' analysis, IDBI Bank stock appears to be undervalued. The current stock price of ₹87.02 is trading 7.5% below its estimated GF Value™ of ₹94.07. GuruFocus considers IDBI Bank to be Fairly Valued.

Key valuation signals for NSE:IDBI:

  • Moat Score: 0
  • GF Value™: ₹94.07 vs. price of ₹87.02 (7.5% below fair value)
  • GF Score™: 65/100 with 2 warning signs

No single metric tells the full story. See the NSE:IDBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

IDBI Bank Business Description

Other Exchanges 500116:India
Address Cuffe Parade, IDBI Tower, WTC Complex, Colaba, Mumbai, MH, IND, 400005
IDBI Bank Ltd is an India-based company that is principally engaged in providing banking services. The company's business segments include wholesale banking, retail banking, and treasury services, with wholesale banking and retail banking jointly contributing the majority of total revenue. In addition to its banking business, the company is also involved in capital markets, investment banking, and mutual fund businesses. The company operates through a branch network across India. Its operations are concentrated in India, with a presence in overseas markets as well.
65GF Score

Get the complete analysis for NSE:IDBI

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹87.02
Price
₹94.07
GF Value