Should I buy ICICI Bank stock in 2025?
Is ICICI Bank stock a buy right now?
ScoreICICI Bank Ltd, a leading player in India's private banking sector, is currently trading around ₹1,429.40 with an average daily volume of approximately 12 million shares—demonstrating robust investor engagement. The Bank's recent Q4 FY2025 results delivered a net profit of ₹12,630 crore, reflecting an 18% year-on-year growth, and continued improvement in net interest margins and asset quality. Notably, depositor and lender confidence is underpinned by a capital adequacy ratio of 16.55%, far above statutory requirements. The integration of ICICI Securities as a wholly-owned subsidiary and expansion by 241 new branches signal management’s focus on capturing growth opportunities in digital and physical channels. With most technical indicators—including 13 out of 15 major moving averages—supporting a bullish stance, market sentiment remains constructive even amidst minor regulatory headwinds. The wider financial sector is experiencing solid momentum, helped by India's ongoing economic expansion and rising credit demand. The consensus from over 33 national and international banks places the target price at ₹1,858, pointing to considerable long-term potential. For retail investors seeking stability with growth opportunities, ICICI Bank’s track record and strategic direction make it an appealing stock to evaluate closely in the current market landscape.
- ✅Consistently strong profit growth with 18% YoY increase in Q4 FY2025 net profit.
- ✅Capital adequacy ratio of 16.55% ensures robust financial stability and regulatory comfort.
- ✅Improving asset quality with gross NPA ratio declining to 1.67%.
- ✅Expanding branch and digital footprint, including 241 new branches in Q4-2025.
- ✅Dominant retail and business banking franchise driving steady deposit and loan growth.
- ❌Valuation at over three times book value may limit short-term upside.
- ❌Potential regulatory changes could modestly impact future profitability.
- ✅Consistently strong profit growth with 18% YoY increase in Q4 FY2025 net profit.
- ✅Capital adequacy ratio of 16.55% ensures robust financial stability and regulatory comfort.
- ✅Improving asset quality with gross NPA ratio declining to 1.67%.
- ✅Expanding branch and digital footprint, including 241 new branches in Q4-2025.
- ✅Dominant retail and business banking franchise driving steady deposit and loan growth.
Is ICICI Bank stock a buy right now?
Score- ✅Consistently strong profit growth with 18% YoY increase in Q4 FY2025 net profit.
- ✅Capital adequacy ratio of 16.55% ensures robust financial stability and regulatory comfort.
- ✅Improving asset quality with gross NPA ratio declining to 1.67%.
- ✅Expanding branch and digital footprint, including 241 new branches in Q4-2025.
- ✅Dominant retail and business banking franchise driving steady deposit and loan growth.
- ❌Valuation at over three times book value may limit short-term upside.
- ❌Potential regulatory changes could modestly impact future profitability.
- ✅Consistently strong profit growth with 18% YoY increase in Q4 FY2025 net profit.
- ✅Capital adequacy ratio of 16.55% ensures robust financial stability and regulatory comfort.
- ✅Improving asset quality with gross NPA ratio declining to 1.67%.
- ✅Expanding branch and digital footprint, including 241 new branches in Q4-2025.
- ✅Dominant retail and business banking franchise driving steady deposit and loan growth.
- What is ICICI Bank?
- How much is ICICI Bank stock?
- Our full analysis on ICICI Bank </b>stock
- How to buy ICICI Bank stock in India?
- Our 7 tips for buying ICICI Bank stock
- The latest news about ICICI Bank
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been closely monitoring the performance of ICICI Bank for over three years. Every month, hundreds of thousands of users in India rely on our insights to understand market trends and discover the most promising investment opportunities. Our analyses are provided for informational purposes only and should not be considered as investment advice. In line with our ethical charter, we have never been, and will never be, compensated by ICICI Bank.
What is ICICI Bank?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | India | Leading private sector bank headquartered in Mumbai, operating across India. |
| 💼 Market | NSE, BSE; Symbol: ICICIBANK | Shares are listed on India’s major exchanges, providing high liquidity for investors. |
| 🏛️ ISIN code | INE090A01021 | Unique identifier for the company on global financial platforms. |
| 👤 CEO | Sandeep Bakhshi | Proven leader with a track record of strong, consistent growth. |
| 🏢 Market cap | ₹10,18,525 crore (≈ $119 billion) | Top 2 Indian bank by market cap, reflecting high investor confidence. |
| 📈 Revenue | ₹96,619 crore (FY2024, estimated annualised) | Revenue growth driven by robust loan demand and fee income. |
| 💹 EBITDA | ₹48,000 crore (FY2024, estimated) | Strong operating profit supported by healthy margins and cost control. |
| 📊 P/E Ratio (Price/Earnings) | 20.0 | Valuation is moderate versus sector, suggesting room for further price appreciation. |
How much is ICICI Bank stock?
The price of ICICI Bank stock is rising this week. As of today, the stock is trading at ₹1,429.40, reflecting a slight intraday dip of 0.21%, while posting a strong 7.0% gain over the past week. ICICI Bank’s market capitalisation currently stands at ₹10,18,525 crore, with an average three-month daily trading volume of 11.98 million shares.
| Metric | Value |
|---|---|
| Current Price | ₹1,429.40 |
| Intraday change | -0.21% |
| 1-week gain | 7.0% |
| Market capitalization | ₹10,18,525 crore |
| Average 3-month daily volume | 11.98 million shares |
| P/E ratio | 20.0 |
| Dividend yield | 0.70% |
| Beta | 0.47 |
The stock trades at a P/E ratio of 20.0, offers a dividend yield of 0.70%, and has a beta of 0.47, indicating relatively low volatility. This performance highlights the stock’s stability amidst recent upward momentum, making it an interesting option for investors seeking balanced growth in the Indian banking sector.
Check out the best brokers in India!Compare brokersOur full analysis on ICICI Bank stock
After conducting a detailed review of ICICI Bank’s latest financial results and tracing its robust three-year stock performance, our proprietary analysis—synthesizing key financial indicators, technical signals, market data, and peer benchmarks—provides a clear view of the bank’s strategic trajectory. With advanced algorithmic methodologies, we’ve integrated both fundamental resilience and momentum-driven signals that point to a compelling narrative. So, why might ICICI Bank stock once again become a strategic entry point into the private banking and digital financial services sector in 2025?
Recent Performance and Market Context
ICICI Bank’s share price has demonstrated considerable strength, currently trading at ₹1,429.40 as of May 5, 2025, reflecting a decisive uptrend that has outperformed both sectoral indices and many private sector counterparts. Over the past week, the stock appreciated by 7%, adding to a notable 13.22% gain over six months and an impressive 25.02% surge in the past year. This ongoing outperformance not only mirrors consistent operational execution but underscores investor conviction at multiple timeframes.
The market backdrop has been meaningfully supportive: an expanding Indian economy, resilient credit demand, and steadily improving consumption patterns. The Reserve Bank of India’s accommodative policies, accompanied by rising digital adoption and financial inclusion, further drive the sector higher. Recent positive catalysts—including strong earnings, an attractive dividend proposal of ₹11 per share, the full integration of ICICI Securities as a subsidiary, and a swift expansion of branch and ATM networks—are clear signals that the bank is positioned to capitalize on emerging sectoral opportunities.
Technical Analysis
From a technical perspective, ICICI Bank is firmly entrenched in bullish territory. The stock is trading above all major moving averages with the 20-day (₹1,375.74), 50-day (₹1,310.00), 100-day (₹1,290.34), and 200-day (₹1,269.42) SMAs forming a well-constructed sequence that is often interpreted as confirmation of an established uptrend. Notably, 13 out of 15 tracked moving average indicators currently suggest a “Buy.”
| Moving Average | Value (₹) | Signal |
|---|---|---|
| 20-day SMA | 1,375.74 | Buy |
| 50-day SMA | 1,310.00 | Buy |
| 100-day SMA | 1,290.34 | Buy |
| 200-day SMA | 1,269.42 | Buy |
Momentum readings reinforce these signals:
- RSI (14-day) at 69.49 reflects strong, though not overextended, momentum—positioned just below the classic overbought threshold, suggesting further upside potential remains.
- MACD (12,26) at 35.44, with a recent bullish crossover, provides a fresh “Buy” signal on trend continuation.
The recent price action, marked by a bullish breakout from consolidation and followed by healthy retracement bounces at key support zones (₹1,340, ₹1,310, ₹1,290), reveals a disciplined accumulation phase. Resistance near ₹1,450 and secondary levels at ₹1,480 and ₹1,550 are now the next technical milestones to monitor—each breach unlocking fresh upside potential. This technical structure strongly positions ICICI Bank as an ideal candidate for momentum-based and breakout strategies, underpinned by both trend followers and institutional investors.
Fundamental Analysis
The latest quarterly results underscore accelerating fundamentals:
- Net Profit for Q4 FY2025 rose by 18.0% YoY to ₹12,630 crore, while Net Interest Income (NII) advanced 11.0% YoY, reaching ₹21,193 crore.
- The Core Operating Profit improved by 13.7% YoY, demonstrating not only higher income but commendable operational leverage.
- Asset quality is another prominent positive: Gross NPA ratio has improved markedly to 1.67% and Net NPA to just 0.39%, highlighting robust risk management in a challenging macro environment.
On valuation, ICICI Bank trades at a P/E of 20.0, which remains attractive relative to both its long-term growth prospects and sectoral peers, especially considering its ROE of 18% and best-in-class Net Interest Margin (4.41%). Even with a price-to-book ratio of 3.26, the premium can be justified by the bank’s historical ability to sustain industry-leading profitability, consistent growth, and ongoing innovation in retail and digital banking.
Structurally, the breadth of the bank’s strengths is formidable:
- Market dominance in India’s private banking arena
- An expanding retail franchise now capturing over 52% of the loan portfolio
- Rapidly growing business banking (+33.7% YoY)
- Unwavering leadership in digital transformation, with continuous improvements in customer experience and processing efficiency
ICICI Bank’s robust capital profile—with a Total Capital Adequacy Ratio of 16.55% and a CET-1 Ratio of 15.94%—further strengthens its capacity to fund future growth and weather sectoral uncertainties.
Volume and Liquidity
Investors have consistently shown strong conviction, as evidenced by an average daily trading volume nearing 12 million shares. This level of sustained liquidity not only enhances price discovery but delivers effective entry and exit routes for both institutional and retail investors. The share’s market float is favourably distributed, with a combined over 90% holding by institutional investors (FIIs and DIIs cumulatively), signifying high market confidence and dynamic price support—especially crucial for re-rating or momentum-driven moves.
Catalysts and Positive Outlook
Looking ahead, a series of tangible and emerging catalysts set the stage for continued outperformance:
- Retail Banking Expansion: Continued strategic emphasis with 241 new branches added in the latest quarter, targeting untapped semi-urban and rural demand.
- Digital Innovation: The bank’s leadership in digital customer acquisition, fintech partnerships, and mobile-first platforms is translating into higher market share with lower incremental cost.
- Integration Synergies: The full absorption of ICICI Securities positions the group to extract greater operational and revenue synergies.
- Best-in-class Asset Quality: Declining NPAs and strong provisioning coverage (76.2%) reduce tail risk and allow the bank to lend more aggressively during cyclical upswings.
- ESG Initiatives: Ongoing corporate social responsibility and green lending projects continue to enhance the bank’s reputation with modern investors and global partners.
Macro conditions remain favorable. With India’s GDP growth anticipated to accelerate and the broader financial sector benefiting from evolving regulatory support, ICICI Bank appears set to thrive at the intersection of digital adoption and rising middle-class credit demand.
Investment Strategies
The present market structure rewards entry across multiple horizons:
- Short Term: Tactically, the stock’s breakout above key moving averages, combined with robust momentum readings, makes it attractive for swing trades, with clear support levels (₹1,340, ₹1,310, ₹1,290) facilitating disciplined risk management.
- Medium Term: Prospective catalysts—dividend payout, post-integration synergies, and potential sector rotation towards quality private sector banks—highlight upside, especially ahead of forthcoming results and operational updates.
- Long Term: For investors seeking a best-in-class structural growth story, ICICI Bank’s ongoing digital transformation, loan book diversification, and solid capital buffer present an ideal avenue for compounding capital over multiple cycles—particularly for those willing to look beyond short-term valuation multiples in favor of sustainable leadership and innovation.
Positional strategies may look to accumulate near technical support zones, taking advantage of any short-term consolidation, while momentum-driven approaches could target bullish continuation above the resistance cluster at ₹1,450–₹1,480.
Is it the Right Time to Buy ICICI Bank?
Synthesizing all available evidence, ICICI Bank stands out as a leading private sector franchise. The combination of:
- Sustained revenue and profit growth
- Steadily improving asset quality and prudent risk management
- Favorable technical structure and momentum signals
- Supportive macro and regulatory tailwinds
- Consistently rising market confidence and institutional interest
…collectively underscore why the fundamentals justify renewed interest at present levels. While ongoing vigilance on potential regulatory and sectoral shifts remains prudent, the bank’s robust capital position, relentless focus on technological innovation, and proven capacity to capture industry growth amplify its appeal.
Given the multiple converging strengths, the stock’s current technical and fundamental alignment seems to represent an excellent opportunity for investors aiming to access both banking sector stability and the upside of India’s digital financial revolution. For those seeking to position portfolios ahead of the next phase of private banking outperformance, ICICI Bank may be entering a new bullish phase—offering a compelling blend of value, growth, and innovation that few peers can match.
In summary, ICICI Bank’s remarkable operational performance, strong balance sheet, technical resilience, and forward-looking strategies create a uniquely favourable setup for both short- and long-term investors to seriously consider buying into this sector leader as a foundation for future growth and financial success.
How to buy ICICI Bank stock in India?
Buying ICICI Bank stock online is both simple and secure for Indian investors, thanks to regulated brokers operating under SEBI oversight. You can easily participate in the stock's growth story using two main online methods: spot (cash) buying, where you own the shares outright, or trading Contracts for Difference (CFDs) to speculate on price movements with leverage. Each method has unique features and costs. Selecting the right approach and broker is important—refer to our comprehensive broker comparison further down the page to make an informed choice.
Spot Buying
Spot or cash buying means purchasing ICICI Bank shares directly on the National Stock Exchange (NSE). When you use this method, you become a legitimate shareholder, with rights to receive dividends and attend AGMs. Indian brokers typically charge a fixed commission per order—often around ₹20–₹25 per trade, or approximately $5 (₹400), in addition to statutory charges like STT and GST.
Example
If the ICICI Bank share price is ₹1,429.40, with a $1,000 (approx. ₹83,000) stake, you could buy about 58 shares (excluding minor transaction taxes), factoring in a typical brokerage fee of $5 (₹400).
Gain Scenario
If the share price rises by 10%, your shares are now worth ~$1,100 (₹91,300).
Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFD (Contract for Difference) trading lets you speculate on the price of ICICI Bank shares without owning the underlying stock. With CFDs, you can go long or short, and trade using leverage—meaning you can control a larger position with a smaller amount of capital. Fees typically include a spread (the broker’s markup on the buy/sell price) and overnight financing charges if you hold leveraged positions for more than a day.
Example
You invest $1,000 (about ₹83,000) and use 5x leverage to open a CFD position on ICICI Bank. Your effective market exposure is now $5,000.
Gain Scenario
If the stock rises by 8%, your position value increases by 8% × 5 = 40%.
Result: +$400 gain on your original $1,000 position (excluding spreads and overnight fees).
Final Advice
Before investing, it’s essential to compare brokers’ fees, platform features, and customer support—all of which may impact your returns and experience. Choose the method that best matches your investment goals: spot buying for long-term shareholders, or CFD trading if you seek flexibility and leverage (with higher risk). For detailed comparisons and updated fee structures, see the broker comparator provided further down this page. Investing in ICICI Bank stock can be both rewarding and accessible—choose your way forward with confidence.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is EightCap reliable?
Yes, EightCap is a trusted platform regulated by ASIC (Australia) and FCA (United Kingdom). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to start with, EightCap is a safe bet, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools such as MT4 and MT5, perfect for demanding traders. Are you a beginner? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and effective.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads from 0 pip, with a commission of $3.5 per lot. Standard accounts have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like MT5 and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw money from EightCap?
Withdrawing your earnings on EightCap is quick and easy. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or e-wallets. Security and speed are at the heart of the service.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Avatrade reliable?
AvaTrade is a trusted broker regulated by major institutions, including the AMF in France, the Central Bank of Ireland, ASIC (Australia), and FSA (Japan). Active since 2006, it offers solid guarantees, including the segregation of client funds and strict compliance with international standards. With over 300,000 active users, it inspires confidence in both novice and experienced traders.
Why choose Avatrade?
AvaTrade combines simplicity and expertise. Tutorials, demo accounts, and free training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities as you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at Avatrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and inactivity costs that can be avoided with regular use. You can focus on learning and your investments without surprises when it comes to paying.
Who is Avatrade for?
AvaTrade is for everyone: beginners can take advantage of detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you are looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from Avatrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, wire transfers, or e-wallets. Everything is designed to provide you with fast, clear, and secure access.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Is Vantage reliable?
Vantage is a reliable broker, regulated by recognized authorities such as ASIC (Australia) and FCA (United Kingdom). It stands out for the security of its client accounts, protected by top-tier banks, and its commitment to transparency. With over 15 years of experience, Vantage is a trustworthy platform.
Why choose Vantage?
Vantage distinguishes itself by its balance between accessibility and professional tools. Beginners benefit from support with demo accounts and educational resources, while experienced traders appreciate the competitive spreads, fast execution, and advanced platforms like MT4/MT5. With a varied range of assets and transparent fees, Vantage caters to a wide audience seeking reliable and high-performance trading conditions.
What are the fees at Vantage?
The fees at Vantage are adapted to everyone. On ECN accounts, spreads start at 0 pip with a commission of $3 per lot. Standard accounts offer slightly higher spreads, but without commission. No deposit or withdrawal fees are applied, and the cost of inactivity is limited. With Vantage, you keep control of your costs to invest effectively.
Who is Vantage for?
Vantage is perfect for traders looking for professional conditions, while remaining accessible to beginners. If you want a fast platform, competitive fees and advanced tools, Vantage is an excellent choice. Whether you are learning or perfecting your strategies, you will find the necessary resources.
Is it easy to withdraw money from Vantage?
Withdrawing funds from Vantage is fast and secure. Requests are processed in less than 48 hours and you can choose between bank transfer, cards or electronic wallets. The platform guarantees smooth transactions and reduced fees, allowing you to easily access your earnings.
Our 7 tips for buying ICICI Bank stock
| Step | Specific tip for ICICI Bank |
|---|---|
| Analyze the market | Review ICICI Bank’s recent financial growth, improving asset quality, and strong capital adequacy to confirm its current uptrend and potential for further upside. |
| Choose the right trading platform | Open a Demat and trading account with an established Indian broker offering NSE access, low brokerage, and robust research tools for Indian blue-chip stocks like ICICI Bank. |
| Define your investment budget | Allocate a comfortable amount without overexposure; consider ICICI Bank’s size and leading role, but diversify with other sectors to balance your portfolio. |
| Choose a strategy (short or long term) | Prefer a long-term approach for ICICI Bank, leveraging its consistent earnings growth, digital banking strengths, and positive analyst outlook. |
| Monitor news and financial results | Track ICICI Bank’s quarterly results, major RBI guidelines, merger updates, and announcements like dividend declarations to inform your decisions. |
| Use risk management tools | Set price alerts around support levels (like ₹1,340 or ₹1,290) and use stop-loss orders to safeguard your investment from sharp short-term corrections. |
| Sell at the right time | Consider booking profits near resistance levels (like ₹1,450 or ₹1,550), or before major events that may temporarily impact banking sector sentiment. |
The latest news about ICICI Bank
ICICI Bank's Q4 FY2025 net profit rose 18% YoY to ₹12,630 crore, reinforcing growth momentum. The bank reported a robust performance for the March quarter, with net interest income growing by 11% YoY and core operating profit up by 13.7%. This profitability surge was supported by an improved net interest margin of 4.41%, a testament to efficient lending and deposit management in a competitive Indian banking landscape. Asset quality continued to strengthen, with the gross NPA ratio declining to 1.67% and net NPA at just 0.39%, reflecting prudent risk controls and effective recovery strategies. These metrics underscore ICICI Bank's resilient financial base and its ability to generate strong shareholder value against the backdrop of India's expanding financial sector.
The Board proposed an ₹11 per share dividend for FY2025, highlighting confidence in sustainable earnings and strong capital. Subject to shareholder approval in the upcoming Annual General Meeting, this dividend reflects the board's conviction in the bank's consistent profitability, solid capital adequacy (16.55%), and capacity to return value to investors while retaining resources for future growth. The healthy capital buffer, exceeding regulatory needs, also reassures markets about ICICI Bank’s ability to support continued expansion and risk absorption, important considerations for institutional and retail investors in India.
ICICI Bank completed the acquisition and delisting of ICICI Securities, strengthening its digital and investment services integration. The delisting finalized in March 2025 positions ICICI Bank to fully leverage its securities arm as a wholly-owned subsidiary, facilitating synergies in digital banking, wealth management, and cross-selling of investment products. This structural move supports the bank’s digital-first strategy and enhances its ability to compete in India’s rapidly-digitizing financial market, offering more comprehensive services to its growing retail and business clientele.
The rapid expansion of the branch network by 241 new outlets in Q4-2025 extends the bank’s reach in emerging markets. ICICI Bank now operates 6,983 branches and over 16,285 ATMs and cash recycling machines, further deepening its presence in semi-urban and rural India. This physical footprint, combined with strong digital initiatives, is crucial for capturing underserved demographics and supporting financial inclusion, both of which are major policy and market priorities in India’s economic development agenda.
Strong technical indicators and bullish market sentiment point to continued positive momentum for the stock price. ICICI Bank’s shares trade above all major moving averages, with the MACD signaling a buy and 13 out of 15 technical indicators favoring upward price movement. The weekly gain of 7% and a 1-year increase of 25% reflect heightened investor confidence, supported by sustained business performance and favorable forecasts by major analysts who set a consensus price target 30% above current levels. This positive sentiment is further reinforced by the bank’s low beta of 0.47, signaling relative price stability in a volatile market environment.
FAQ
What is the latest dividend for ICICI Bank stock?
ICICI Bank has recommended a dividend of ₹11 per share for FY2025, pending shareholder approval at the upcoming AGM. Based on the current share price, this translates to a dividend yield of approximately 0.70%. Historically, the bank has delivered steady but modest dividends, reflecting its policy to reinvest in growth. Dividend payouts from ICICI Bank tend to increase gradually as profits rise and asset quality continues to improve.
What is the forecast for ICICI Bank stock in 2025, 2026, and 2027?
Based on the current price of ₹1,429.40, the projected values are ₹1,858 at the end of 2025, ₹2,144 at the end of 2026, and ₹2,859 at the end of 2027. These forecasts suggest sustained upside potential, in line with the bank's strong fundamentals and improved profitability. ICICI Bank benefits from sector-leading asset quality, ongoing branch expansion, and robust digital transformation efforts.
Should I sell my ICICI Bank shares?
Holding onto ICICI Bank shares could be prudent, given the company's consistent growth in net profit, strong capital adequacy, and improving asset quality. The stock is trading above all major moving averages, indicating momentum, while its diversified loan portfolio and focus on digitalization position it well for long-term gains. With positive analyst outlooks and resilient sector fundamentals, maintaining your position may align with mid- to long-term investment strategies.
How are dividends and capital gains from ICICI Bank stock taxed in India?
Dividends received from ICICI Bank are taxable in the hands of shareholders as per their income tax slab. Long-term capital gains (for shares held over 12 months) exceeding ₹1 lakh per year are taxed at 10% without indexation. Short-term capital gains are taxed at 15%. Currently, ICICI Bank shares are eligible for tax-saving investments through ELSS, though returns from such schemes are subject to the same capital gains taxation rules.
What is the latest dividend for ICICI Bank stock?
ICICI Bank has recommended a dividend of ₹11 per share for FY2025, pending shareholder approval at the upcoming AGM. Based on the current share price, this translates to a dividend yield of approximately 0.70%. Historically, the bank has delivered steady but modest dividends, reflecting its policy to reinvest in growth. Dividend payouts from ICICI Bank tend to increase gradually as profits rise and asset quality continues to improve.
What is the forecast for ICICI Bank stock in 2025, 2026, and 2027?
Based on the current price of ₹1,429.40, the projected values are ₹1,858 at the end of 2025, ₹2,144 at the end of 2026, and ₹2,859 at the end of 2027. These forecasts suggest sustained upside potential, in line with the bank's strong fundamentals and improved profitability. ICICI Bank benefits from sector-leading asset quality, ongoing branch expansion, and robust digital transformation efforts.
Should I sell my ICICI Bank shares?
Holding onto ICICI Bank shares could be prudent, given the company's consistent growth in net profit, strong capital adequacy, and improving asset quality. The stock is trading above all major moving averages, indicating momentum, while its diversified loan portfolio and focus on digitalization position it well for long-term gains. With positive analyst outlooks and resilient sector fundamentals, maintaining your position may align with mid- to long-term investment strategies.
How are dividends and capital gains from ICICI Bank stock taxed in India?
Dividends received from ICICI Bank are taxable in the hands of shareholders as per their income tax slab. Long-term capital gains (for shares held over 12 months) exceeding ₹1 lakh per year are taxed at 10% without indexation. Short-term capital gains are taxed at 15%. Currently, ICICI Bank shares are eligible for tax-saving investments through ELSS, though returns from such schemes are subject to the same capital gains taxation rules.
