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    Pranav Dheeeraj Gundlapalle

    Senior Research Analyst at Bernstein

    Pranav Dheeeraj Gundlapalle is a Senior Research Analyst at Bernstein, specializing in coverage of leading technology and financial services companies such as NVIDIA, Tesla, Amazon, Alibaba, Muthoot Finance, One 97 Communications (Paytm), and SBI Card. Over the past year, Gundlapalle has maintained a 69% success rate across 13 rated stocks, generating an average return of 8.1% per rating and achieving a notable 38.8% return on his best call in 2025. Ranked #4,215 out of nearly 9,900 analysts tracked on TipRanks, he covers both Indian and US equities and is recognized for his detailed equity research and sector outlooks. Gundlapalle began his analyst career in recent years and currently holds a key analyst role at Bernstein, with professional credentials that include extensive research and sector expertise, although specific securities licenses or FINRA registration details are not publicly listed.

    Pranav Dheeeraj Gundlapalle's questions to HDFC BANK (HDB) leadership

    Pranav Dheeeraj Gundlapalle's questions to HDFC BANK (HDB) leadership • Q1 2026

    Question

    Pranav Dheeeraj Gundlapalle of Bernstein questioned the reasons for stagnant CASA market share and the strategy to reverse this trend, the percentage of loan customers in the total base, and the potential for conflict with HDB Financial Services.

    Answer

    CEO Sashidhar Jagdishan explained that the post-merger priority was overall deposit mobilization to lower the CD ratio, which temporarily de-emphasized CASA. The strategy to regain momentum involves upselling more products and enhancing customer experience. He asserted there is minimal conflict with HDB Financial Services, as it targets a different customer segment. CFO Srinivasan Vaidyanathan added that with product penetration for most offerings below 12% (except cards), there is a significant runway for cross-selling loans to the existing customer base.

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    Pranav Dheeeraj Gundlapalle's questions to HDFC BANK (HDB) leadership • Q1 2026

    Question

    Pranav Dheeeraj Gundlapalle of Bernstein questioned the reasons for the recent stagnation in CASA deposit market share after a strong multi-year performance. He also asked about the potential for future conflict between HDFC Bank and its subsidiary, HDB Financial Services, in targeting the same customer segments.

    Answer

    MD & CEO Sashidhar Jagdishan explained the bank prioritized overall deposit mobilization to lower its CD ratio post-merger, which temporarily de-emphasized specific CASA growth. The focus is now shifting back to customer engagement and upselling to regain CASA momentum. He asserted there is minimal overlap with HDB Financial Services, as it caters to a customer segment a 'notch or two below' the bank's, a distinction that will be maintained.

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