IDFC First Bank Limited - First Bank Preference for Long Term Investors too?

I’m no banking stock expert,
have done some approximate NPA forecasts,

Is it too aggressive?
CAR is 13.28%
I think bank can manage this crisis.
Need to check repayment schedule for FY21 & 22 against liabilities.

Experts please correct me if anything seems wrong.

Disc : Invested at higher levels