HDFC Bank/$HDB

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About HDFC Bank

HDFC Bank Ltd is an Indian bank. It operates in the following segments: Treasury, Retail banking, Wholesale banking, and Other banking business. The maximum revenue for the company is generated from its Retail banking segment, which serves retail customers through its branch network and other channels. This segment raises customer deposits and provides loans and other services to customers using different product groups. Its other operations include providing wholesale banking services to corporates, government entities, and other enterprises, generating income from its treasury operations, and performing para-banking activities such as offering credit cards, debit cards, etc. Geographically, the company generates a majority of its revenue from its operations in India.

Ticker

$HDB
Sector

Primary listing

NYSE

Employees

214,521

Headquarters

Mumbai, India

HDFC Bank Metrics

BasicAdvanced
$166B
135.52
$0.52
0.62
$0.77
0.91%

What the Analysts think about HDFC Bank

Analyst ratings (Buy, Hold, Sell) for HDFC Bank stock.

Bulls say / Bears say

HDFC Bank’s standalone net profit rose 12.2% year-on-year to ₹181.55 billion in Q1 FY26, driven by a 5.4% increase in net interest income and strong fee- and treasury-driven other income (Reuters).
The bank declared its first-ever bonus share issue (one share for each held) and a special dividend of ₹5 per share in Q1 FY26, signalling management’s confidence in the balance sheet and future growth prospects (Reuters).
In Q4 FY25, net interest income grew 4.6% to ₹320.7 billion and core net interest margin held at 3.46%–3.65%, while deposits rose 5.9% to ₹27.15 trillion, underlining stable margins and a robust deposit franchise (Reuters).
Provisions for bad loans surged five-fold to ₹144 billion in Q1 FY26 as the bank built countercyclical buffers, raising concerns about rising asset‐quality risks despite management calling them precautionary (Reuters).
Gross advances rose only 0.4% sequentially in Q1 FY26 versus deposits up 1.8%, highlighting sluggish credit growth momentum and pressure on the bank’s lending franchise (Reuters).
The loan-to-deposit ratio remained elevated at 96.5% as of end-March FY25 due to the HDFC merger adding loans without proportional deposits, pressuring the bank to mobilise more liabilities or slow loan growth to reach its 85–90% target by FY27 (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 2025.

HDFC Bank Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

HDFC Bank Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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