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HDFC Bank Ltd. engages in the provision of banking and financial services, including commercial banking and treasury operations. The company is headquartered in Mumbai, Maharashtra and currently employs 197,899 full-time employees. The company went IPO on 2001-07-23. The Bank caters to a range of banking services covering commercial and investment banking and transactional/branch banking. Its Treasury segment includes net interest earnings from its investment portfolio, money market borrowing and lending, gains or losses on investment operations and on account of trading in foreign exchange and derivative contracts. The Retail Banking segment includes Digital Banking, and Other retail banking. The Wholesale Banking segment provides loans, non-fund facilities and transaction services to large corporates, public sector units, government bodies, financial institutions and medium scale enterprises. Its subsidiaries include HDFC Securities Ltd., HDB Financial Services Ltd., HDFC Asset Management Co. Ltd, and HDFC ERGO General Insurance Co. Ltd.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹163,124 Cr on total income of ₹578,120 Cr.
Cost-to-income ratio at 58.4%. Provision coverage at 4.6% of income.
“we will come to...somewhere between 90 to a 96 in the year f I twenty six...by a 05/27...around the 85 to 90”
“we are talking about a couple of percentage points above that [12-13% system], going into the next year”
“faster than the system in the next financial year.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 13.1%▲ | 11.5% |
| Net Margin | 13.7%▲ | 12.1% |
| EBITDA Margin | 57.4%▼ | 67.3% |
| Debt To Equity | 5.33x▼ | 8.01x |
| Rev Growth 3yr | 34.3%▲ | 14.4% |
| EPS Growth 3yr | 6.2%▼ | 23.3% |
| NIM | 5.3%▼ | 390.0% |
| Cost To Income | 58.4% | - |
| Credit Deposit Ratio | 98.40x | 83.00x |
Historical valuation data not available.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹2.58 Lakh Cr +2.6% | ₹2.52 Lakh Cr +15.6% | ₹2.18 Lakh Cr +60.6% | ₹1.36 Lakh Cr +27.7% | ₹1.06 Lakh Cr +3.9% | ₹1.02 Lakh Cr +3.2% | ₹99,080 Cr +18.3% | ₹83,736 Cr |
| Income on Investments | ₹82,593 Cr +11.7% | ₹73,912 Cr +28.5% | ₹57,525 Cr +84.5% | ₹31,173 Cr +20.3% | ₹25,907 Cr +11.6% | ₹23,212 Cr +12.8% | ₹20,573 Cr +3.3% | ₹19,925 Cr |
| ₹1.44 Lakh Cr +6.8% | ₹1.35 Lakh Cr +8.2% | ₹1.24 Lakh Cr +266.7% | ₹33,912 Cr +6.8% | ₹31,759 Cr +16.2% | ₹27,333 Cr +9.9% | ₹24,879 Cr +31.3% | ₹18,947 Cr | |
| Total Income | ₹4.96 Lakh Cr +5.2% | ₹4.71 Lakh Cr +15.4% | ₹4.08 Lakh Cr +99.3% | ₹2.05 Lakh Cr +22.0% | ₹1.68 Lakh Cr +7.6% | ₹1.56 Lakh Cr +6.0% | ₹1.47 Lakh Cr +18.5% | ₹1.24 Lakh Cr |
| Interest Expended | ₹1.85 Lakh Cr +0.8% | ₹1.84 Lakh Cr +19.3% | ₹1.54 Lakh Cr +98.2% | ₹77,780 Cr +32.8% | ₹58,584 Cr -1.1% | ₹59,248 Cr -4.7% | ₹62,137 Cr +15.7% | ₹53,713 Cr |
| Employee Cost | ₹38,050 Cr +11.5% | ₹34,136 Cr +10.0% | ₹31,023 Cr +55.0% | ₹20,017 Cr +25.9% | ₹15,897 Cr +16.2% | ₹13,677 Cr +5.9% | ₹12,920 Cr +23.6% | ₹10,451 Cr |
| Other Operating Expenses | ₹1.48 Lakh Cr +4.2% | ₹1.42 Lakh Cr +17.5% | ₹1.21 Lakh Cr +284.7% | ₹31,517 Cr +29.1% | ₹24,415 Cr +14.5% | ₹21,325 Cr +6.0% | ₹20,116 Cr +28.4% | ₹15,666 Cr |
| Provisions & Contingencies | ₹15,145 Cr +6.8% | ₹14,175 Cr -43.3% | ₹25,018 Cr +80.6% | ₹13,854 Cr -22.7% | ₹17,925 Cr -4.9% | ₹18,840 Cr +37.5% | ₹13,700 Cr -32.4% | ₹20,255 Cr |
| Total Expenditure | ₹3.72 Lakh Cr +3.2% | ₹3.60 Lakh Cr +17.7% | ₹3.06 Lakh Cr +136.9% | ₹1.29 Lakh Cr +30.8% | ₹98,897 Cr +4.9% | ₹94,249 Cr -1.0% | ₹95,173 Cr +19.2% | ₹79,830 Cr |
| Profit Before Tax | ₹1.07 Lakh Cr +14.3% | ₹93,594 Cr +24.5% | ₹75,184 Cr +22.3% | ₹61,498 Cr +20.9% | ₹50,873 Cr +18.9% | ₹42,796 Cr +12.0% | ₹38,195 Cr +59.0% | ₹24,023 Cr |
| Tax | ₹25,973 Cr +13.9% | ₹22,802 Cr +105.0% | ₹11,122 Cr -27.5% | ₹15,350 Cr +20.7% | ₹12,722 Cr +16.3% | ₹10,939 Cr +0.4% | ₹10,899 Cr +590.9% | ₹1,578 Cr |
| Net Profit | ₹82,512 Cr +12.4% | ₹73,440 Cr +12.2% | ₹65,447 Cr +41.8% | ₹46,149 Cr +21.0% | ₹38,151 Cr +19.8% | ₹31,857 Cr +16.7% | ₹27,296 Cr +21.6% | ₹22,446 Cr |
| Profit (Owners) | ₹79,013 Cr +11.6% | ₹70,792 Cr +10.5% | ₹64,062 Cr +39.3% | ₹45,997 Cr +20.9% | ₹38,053 Cr +19.5% | ₹31,833 Cr +16.8% | ₹27,254 Cr +22.0% | ₹22,332 Cr |
| Minority Interest | ₹3,499 Cr +32.1% | ₹2,648 Cr +91.3% | ₹1,384 Cr +813.3% | ₹152 Cr +54.4% | ₹98 Cr +316.6% | ₹24 Cr -44.3% | ₹42 Cr -62.6% | ₹113 Cr |
| EPS | ₹51.35 | ₹46.26 | ₹42.16 | ₹41.22 | ₹34.31 | ₹28.87 | ₹24.85 | ₹20.50 |
| Diluted Shares | ₹1,540 Cr | ₹1,530 Cr | ₹1,519 Cr | ₹1,116 Cr | ₹1,109 Cr | ₹1,103 Cr | ₹1,097 Cr | ₹1,089 Cr |
| Other Interest | ₹6,545 Cr -10.7% | ₹7,329 Cr +33.0% | ₹5,510 Cr +106.8% | ₹2,664 Cr +141.5% | ₹1,103 Cr +75.9% | ₹627 Cr -6.1% | ₹668 Cr -20.4% | ₹839 Cr |
| Interest (RBI & Others) | ₹4,230 Cr +33.3% | ₹3,173 Cr +20.4% | ₹2,635 Cr +129.2% | ₹1,149 Cr -56.3% | ₹2,631 Cr +9.0% | ₹2,414 Cr +29.2% | ₹1,869 Cr +182.9% | ₹661 Cr |
HDFC Bank Limited has informed the Exchange about Copy of Newspaper Publication
HDFC Bank Limited has informed the Exchange regarding Allotment of 4248902 Shares.
HDFC Bank Limited has informed the Exchange regarding conclusion of internal review pertaining to Maharashtra State Road Development Corporation arrangement
HDFC Bank Limited has informed the Exchange regarding intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015- Exercise of call option on US$ 1,0...
HDFC Bank Limited has informed the Exchange about Transcript
HDFC Bank Limited has informed the Exchange regarding Allotment of 3815292 Shares.
HDFC Bank Limited has informed the Exchange about Link of Recording
HDFC Bank Limited has informed the Exchange about Investor Presentation
HDFC Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
HDFC Bank Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
HDFC Bank Limited has informed the Exchange regarding receipt of approval from the Reserve Bank of India for appointment of Mr. Rajiv Kumar as Part-time Chairman of the Bank
HDFC Bank Limited has informed the Exchange about Copy of Newspaper Publication
HDFC Bank Limited has informed the Exchange regarding Appointment of Mr. Rajiv Kumar as a Part-time Chairman and Additional (Independent) Director of HDFC Bank Limited w.e.f. Jun 30, 2026.
HDFC Bank Limited has informed the Exchange regarding 'Updates: (a) Receipt of approval from the Reserve Bank of India for extension of tenure of Mr. Keki Mistry as an interim Part-time Chairman of th...
HDFC Bank Limited has informed the Exchange regarding Allotment of 3160300 Shares.