IDFC FIRST Bank is a universal bank offering corporate, retail, and rural banking services. It focuses on retail segments, particularly underserved and first-time borrowers, with a strong emphasis on digitalization and customer-centricity[1][3]. Services include loans for lifestyle improvements, sanitation, mobility, and home financing[3]. The bank's unique selling proposition (USP) is its ability to assess credit risk effectively, enabling extensive lending to new borrowers while maintaining high asset quality[1]. Its target audience includes salaried individuals, self-employed, small businesses, and micro-enterprises[1].