HDFC BANK ( HDB )

Kunal Shah

Citigroup

7 questions for HDB

Mahrukh Adajania

Nuvama Institutional Equities

7 questions for HDB

Abhishek Murarka

HSBC

5 questions for HDB

Rikin Shah

IIFL Securities Ltd.

5 questions for HDB

Piran Engineer

CLSA

4 questions for HDB

Rahul Jain

Goldman Sachs

4 questions for HDB

Anand Swaminathan

Bank of America

3 questions for HDB

Ravi Purohit

Spark Capital Advisors

3 questions for HDB

Harsh Modi

JPMorgan Chase & Co.

2 questions for HDB

Manish Shukla

Axis Capital

2 questions for HDB

M. B. Mahesh

Kotak Securities

2 questions for HDB

Parameswaran Subramanian

Investec

2 questions for HDB

Pranav Dheeeraj Gundlapalle

Bernstein

2 questions for HDB

Sameer Bhise

JM Financial

2 questions for HDB

Suresh Ganapathy

Macquarie Capital

2 questions for HDB

Jayant Kharote

Axis Capital

1 question for HDB

Pranav Dheeraj Gundlapalle

Bernstein

1 question for HDB

Latest news

Recent press releases and 8-K filings for HDB.

HDFC Bank Under Investigation Regarding Deposit-Loan Growth Gap

HDB

Legal Proceedings

Demand Weakening

Guidance Update

Levi & Korsinsky, LLP is investigating HDFC Bank Limited (NYSE: HDB) due to a widening gap between the bank's deposit growth and loan growth trajectories following its merger with HDFC Limited.
The bank's credit expansion has consistently outpaced deposit growth across multiple reporting periods, which may lead to reliance on higher-cost alternative funding sources and potential profitability compression.
Following its latest business update, which did not indicate an acceleration in deposit gathering, HDFC Bank shares declined over 5%, underperforming both the Nifty 50 index and banking sector benchmarks.

6 days ago

Press Release

HDFC Bank Ltd. Reports Strong Q3 2026 Financial Results with Double-Digit Profit Growth

HDB

Earnings

Accounting Changes

HDFC Bank Ltd. (HDB) reported a standalone profit after tax of ₹ 186.5 billion for the quarter ended December 31, 2025, marking an 11.5% increase over the prior year quarter. For the nine months ended December 31, 2025, standalone profit after tax reached ₹ 554.5 billion, also up 11.5% compared to the corresponding period in the previous year.
The bank's total balance sheet size grew to ₹ 40,890 billion as of December 31, 2025. Total deposits increased 11.6% to ₹ 28,601 billion, and gross advances rose 11.9% to ₹ 28,446 billion compared to December 31, 2024.
Asset quality remained robust with Gross Non-Performing Assets (NPAs) at 1.24% and Net NPAs at 0.42% of gross and net advances, respectively, as of December 31, 2025. The total Capital Adequacy Ratio (CAR) stood at 19.9%, well above the regulatory requirement of 11.9%.
On a consolidated basis, profit after tax for the quarter ended December 31, 2025, was ₹ 198.1 billion, a 12.2% growth over the prior year quarter, and ₹ 556.8 billion for the nine months ended December 31, 2025.
A significant event during the nine months was the divestment of HDB Financial Services Limited shares, which generated a net gain of ₹ 7,000.27 crore (before tax). Additionally, a 1:1 bonus share issuance was completed on August 28, 2025, with all per share information adjusted retrospectively.

Jan 20, 2026, 11:04 AM

6-K

HDFC Bank Provides Q3 2026 Update, Outlines Loan Growth and LDR Targets

HDB

Earnings

Guidance Update

Revenue Acceleration/Inflection

HDFC Bank expects to outpace system loan growth in FY27, projecting growth a couple of percentage points above the anticipated 12-13% system growth.
The bank is committed to reducing its Loan-to-Deposit Ratio (LDR), targeting a range of 90-96% in FY26 and 85-90% by FY27.
Asset quality is described as pristine, with gross and net non-performing assets (NPAs) at decadal lows and no significant stress across segments.
A provision of approximately INR 5 billion was made in Q3 2026 for the agri portfolio due to regulatory requirements.
The Liquidity Coverage Ratio (LCR) for Q3 2026 was 116%, with no material impact expected from future guidelines.

Jan 17, 2026, 12:30 PM

HDFC Bank Reports Q3 2026 Results, Projects Faster Loan Growth

HDB

Earnings

Guidance Update

Revenue Acceleration/Inflection

HDFC Bank expects to outpace loan growth in FY 2027 and achieve top-line growth faster than the system in the same period.
The bank is confident in its glide path to lowering the Credit-Deposit (CD) ratio, targeting a Loan-to-Deposit Ratio (LDR) of 90-96 in FY 2026 and around 85-90 by FY 2027.
Asset quality remains pristine, with very low accretion to gross NPAs and no particular portfolio showing stress.
A regulatory provision of approximately INR 5 billion related to agri portfolio non-compliance was subsumed in December (Q3 2026).
The current per-branch productivity stands at approximately 305 crores, with new branches contributing slightly over 20% of incremental deposits.

Jan 17, 2026, 12:30 PM

HDB Reports Q3 2026 Results, Provides Outlook on Growth and LDR

HDB

Earnings

Guidance Update

Revenue Acceleration/Inflection

HDB's Q3 2026 results were in line with expectations, with encouraging credit growth and positive CASA growth. The company is optimistic about outpacing loan growth in FY 2027.
The bank's asset quality remains pristine, with low accretion of gross NPAs and no particular segment showing stress. A INR 5 billion provision related to the agri portfolio was absorbed in December (Q3 2026).
HDB is committed to a downward glide path for its Loan-to-Deposit Ratio (LDR), targeting 90-96% for FY 2026 and 85-90% for FY 2027.
The company plans to grow loans a couple of percentage points above the expected system growth of 12-13% next year.
HDB is focusing on stabilizing its recent cohort of 4,800 branches, which currently contribute over 20% of incremental deposits, before embarking on significant new branch expansion.

Jan 17, 2026, 12:30 PM

HDFC Bank Limited Receives FY2025 ESG Rating and Faces Regulatory Scrutiny

HDB

Legal Proceedings

HDFC Bank Limited received an ESG rating of 73 for FY 2025 from NSE Sustainability Ratings & Analytics Ltd., an increase from 70 in FY 2024, categorizing it as a Leader.
For FY 2025, the bank achieved an Environment score of 77, a Social score of 69, and a Governance score of 74. Environmental performance was notably driven by a 45% decrease in greenhouse gas emissions and a 40% decrease in energy intensity compared to the previous year.
In 2025, HDFC Bank faced several material events, including a 4.88 lakh penalty from the RBI for foreign investment regulation violations, accusations of mis-selling high-risk bonds, and a restriction by the DFSA on its DIFC branch from offering services to new customers due to mis-selling concerns. Allegations of financial fraud against its CEO were also reported and denied by the bank.

Dec 10, 2025, 11:03 AM

6-K

HDFC Bank Ltd Reports Q2 FY 2026 Results with NIM Compression and Strategic Growth Initiatives

HDB

Earnings

Guidance Update

New Projects/Investments

HDFC Bank Ltd (HDB) experienced an 8 basis point compression in Net Interest Margin (NIM) in Q2 FY 2026 due to front-loading of interest rate cuts on the asset side, but anticipates tailwind effects on NIMs from deposit pricing over the next 6 to 12 months.
The bank reported accelerated loan growth across segments and market share gains in deposits during Q2 FY 2026, with a strategic objective to grow faster than the market in FY 2027 and bring its Loan-to-Deposit Ratio (LDR) below 90%.
HDB maintained healthy asset quality and increased contingent provisions by INR 1,600 crore and general provisions by INR 600 crore in Q2 FY 2026, with general provisions now at approximately 41 basis points of loans.
The bank is investing in technology, including GenAI, and distribution to re-engineer processes, enhance customer experience, and drive operating leverage over the medium to long term.
Home loan turnaround times have been significantly reduced to two days for individual loans and three days for self-employed loans, with strong cross-selling penetration for products like credit cards (over 14%) and savings accounts (98-99%).

Oct 18, 2025, 12:30 PM