Why IDFC Bank Stock Dropped 25% This Year

IDFC Bank’s stock has had a tough year, falling over 25%. I’ve been keeping an eye on it, and here’s why it’s struggling: 1. Poor Results: The bank’s quarterly results have been weak, with profits dropping each quarter. 2. Banking Sector Issues: New RBI rules and the Joint Liability Group (JLG) loan model have caused problems. Customers are taking new loans just to pay off old ones. It’s like asking one friend to pay another—this can’t last forever. 3. Tough Rules & Weak Growth: Stricter rules and slow job growth are adding pressure on banks. 4. More Provisions: Banks are saving extra money for possible loan defaults, which hurts their profits. While things look bad now, there’s hope. If the bank’s next few results are strong, the stock might bounce back. Q3 has been satisfactory, with a 4% gain which didn't sustain LOL. What’s your take? Are you buying, holding, or staying away from this stock?