IDFC FIRST Bank Ltd. is a major Indian private sector universal bank, formed from the 2018 merger of IDFC Bank and Capital First, known for its customer-centric, ethical, and digital-focused approach, offering a full range of retail, MSME, corporate banking, and wealth management services, with features like monthly savings interest credits and zero-fee banking on many services, aiming to be a leading fintech-like bank in India.