A heat developable image recording material is disclosed in which having at least one image forming layer formed on a support, and a multilayered protection layer consisting of a lower protection layer formed adjacent to and on the image forming layer and at least one upper protection layer formed on the lower protection layer, wherein the lower protection layer comprises a polymer as a binder, in which I/O value of the polymer that is obtained by dividing inorganic value by organic value based on an organic conception diagram is equal to or less than 0.60, and wherein a ratio of the I/O value of the polymer contained as the binder of the lower protection layer to the I/O value of a polymer contained as a binder of the upper protection layer is less than 1.0. This heat developable image recording material has an improved post-heat-development adherence between the image forming layer and the protection layer formed on the image forming layer, prevents occurence of white powders, has an adequate film strength and dimentional stability, and reduces contact failures.