HDFC Bank Ltd. Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

3,07,522.08

3,00,517.04

2,58,340.56

1,61,585.55

1,27,753.11

1,20,858.23

1,14,812.65

Income On Investments

58,945.38

53,319.69

44,364.28

31,311.16

26,046.13

23,214.27

20,633.32

Interest On Balances With Rbi Other Inter Bank Funds

2,674.70

2,506.31

2,040.47

996.79

2,552.37

2,341.25

1,828.93

Interest / Discount On Advances / Bills

2,39,762.46

2,38,444.43

2,07,220.01

1,27,095.86

98,512.02

94,834.54

91,787.88

Others

6,139.54

6,246.61

4,715.80

2,181.74

642.59

468.17

562.52

Other Income

62,532.57

45,632.28

49,240.99

31,214.83

29,509.90

25,204.89

23,260.82

Total Income

3,70,054.65

3,46,149.32

3,07,581.55

1,92,800.38

1,57,263.01

1,46,063.12

1,38,073.47

Interest Expended

1,78,836.04

1,77,846.95

1,49,808.10

74,743.31

55,743.54

55,978.66

58,626.40

Net Interest Income

1,28,686.04

1,22,670.09

1,08,532.46

86,842.24

72,009.57

64,879.57

56,186.25

Total Expenditure (Excl Depreciation)

72,660.33

68,174.89

63,386.01

47,652.09

37,442.19

32,722.62

30,697.52

Employee Cost

26,050.15

23,900.53

22,240.21

15,512.36

12,031.69

10,364.79

9,525.67

Other Operating Expenses

46,610.18

44,274.36

41,145.80

32,139.73

25,410.50

22,357.83

21,171.85

Operating Profit Before Provisions and Contingencies

1,18,558.28

1,00,127.48

94,387.44

70,404.98

64,077.28

57,361.84

48,749.55

Exceptional Items

0.00

Provisions and contingencies

23,389.59

11,649.42

23,492.14

11,919.67

15,061.83

15,702.85

12,142.39

Profit Before Tax

95,168.69

88,478.06

70,895.30

58,485.31

49,015.45

41,658.99

36,607.16

Tax

20,497.40

21,130.70

10,083.03

14,376.60

12,054.12

10,542.46

10,349.84

Profit After Tax

74,671.29

67,347.36

60,812.27

44,108.71

36,961.33

31,116.53

26,257.32

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

74,671.29

67,347.36

60,812.27

44,108.71

36,961.33

31,116.53

26,257.32

Face Value

1.0

Reserves

5,56,816.45

4,96,854.21

4,36,833.39

2,78,574.03

2,39,538.38

2,03,169.53

1,70,437.69

Earnings per share (EPS)

48.51

44.01

40.02

79.05

33.33

56.44

23.94

Diluted Earnings per share

48.4

43.95

42.72

78.89

33.15

56.3

23.85

Operating Profit Margin (Excl OI)

68.77%

73.44%

66.37%

63.13%

58.9%

59.93%

62.69%

Gross Profit Margin

30.95%

29.44%

27.44%

36.19%

38.37%

34.47%

31.88%

PAT Margin

24.28%

22.41%

23.54%

27.3%

28.93%

25.75%

22.87%

Net Interest Margin

3.38%

3.48%

3.4%

4.1%

4.2%

0.0%

Return on Assets

1.94%

1.91%

1.98%

2.07%

2.03%

1.97%

2.01%

CASA (%)

34.0%

34.8%

38.0%

44.4%

48.2%

46.1%

42.2%

CASA Amount

10,60,300.00

9,44,600.00

9,08,700.00

8,35,989.00

7,51,050.00

6,15,682.00

4,84,625.00

Capital Adequacy Ratio (Total)

19.7%

19.55%

18.8%

19.26%

18.9%

18.79%

18.52%

Capital Adequacy Ratio (Tier 1)

17.3%

17.7%

16.79%

17.13%

17.87%

17.56%

17.23%

Provision Coverage Ratio (%)

67.0%

68.0%

74.0%

76.0%

73.0%

69.81%

72.0%

Amount of Gross NPAs

34,061.19

35,222.64

31,173.32

18,019.03

16,140.96

15,086.00

12,649.97

Amount of Net NPAs

11,169.54

11,320.43

8,091.74

4,368.43

4,407.68

4,554.82

3,542.36

% of Net NPAs

0.38%

0.43%

0.33%

0.27%

0.32%

0.4%

0.36%

% of Gross NPAs

1.15%

1.33%

1.24%

1.12%

1.17%

1.32%

1.26%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

21172.0

21139.0

20938.0

19727.0

18130.0

16087.0

14901.0

Number of Branches

9689.0

9455.0

8738.0

7821.0

6342.0

5608.0

5416.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 2.33% vs 16.33% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 10.87% vs 10.75% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 18.41% vs 6.08% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.05% vs 0.10% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.18% vs 0.09% in Mar 2025

Compare Annual Results Of HDFC Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

3,07,522.08

1,69,946.09

1,37,575.99

80.95%

Income On Investments

58,945.38

33,592.73

25,352.65

75.47%

Interest On Balances With Rbi Other Inter Bank Funds

2,674.70

2,862.93

-188.23

-6.57%

Interest / Discount On Advances / Bills

2,39,762.46

1,30,605.55

1,09,156.91

83.58%

Others

6,139.54

2,884.88

3,254.66

112.82%

Other Income

62,532.57

30,757.59

31,774.98

103.31%

Total Income

3,70,054.65

2,00,703.68

1,69,350.97

84.38%

Interest Expended

1,78,836.04

81,870.86

96,965.18

118.44%

Net Interest Income

1,28,686.04

88,075.23

40,610.81

46.11%

Total Expenditure (Excl Depreciation)

72,660.33

47,233.95

25,426.38

53.83%

Employee Cost

26,050.15

17,974.89

8,075.26

44.93%

Other Operating Expenses

46,610.18

29,259.06

17,351.12

59.3%

Operating Profit Before Provisions and Contingencies

1,18,558.28

71,598.87

46,959.41

65.59%

Exceptional Items

0.00

Provisions and contingencies

23,389.59

5,380.42

18,009.17

334.72%

Profit Before Tax

95,168.69

66,218.45

28,950.24

43.72%

Tax

20,497.40

16,071.81

4,425.59

27.54%

Profit After Tax

74,671.29

50,146.64

24,524.65

48.91%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

74,671.29

50,146.64

24,524.65

48.91%

Face Value

1.00

2.00

0.00

Reserves

5,56,816.45

3,29,372.57

2,27,443.88

69.05%

Earnings per share (EPS)

48.51

70.03

-21.52

-30.73%

Diluted Earnings per share

48.40

69.20

-20.80

-30.06%

Operating Profit Margin (Excl OI)

68.77%

69.04%

0.00

-0.27%

Gross Profit Margin

30.95%

38.96%

0.00

-8.01%

PAT Margin

24.28%

29.51%

0.00

-5.23%

Net Interest Margin

3.38%

4.32%

-0.94

-0.94%

Return on Assets

1.94%

0.00%

1.94

1.94%

CASA (%)

34.00%

38.60%

-4.60

-4.60%

CASA Amount

10,60,300.00

7,43,587.00

3,16,713.00

42.59%

Capital Adequacy Ratio (Total)

19.70%

17.18%

2.52

2.52%

Capital Adequacy Ratio (Tier 1)

17.30%

16.35%

0.95

0.95%

Provision Coverage Ratio (%)

67.00%

75.80%

-8.80

-8.80%

Amount of Gross NPAs

34,061.19

23,051.93

11,009.26

47.76%

Amount of Net NPAs

11,169.54

5,459.46

5,710.08

104.59%

% of Net NPAs

0.38%

0.33%

0.05

0.05%

% of Gross NPAs

1.15%

1.40%

-0.25

-0.25%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

21,172.00

12,087.00

9,085.00

75.16%

Number of Branches

9,689.00

7,511.00

2,178.00

29.0%

Annual - Interest Earned

Interest Earned 307522.08 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 2.33% vs 16.33% in Mar 2025

Annual - Net Profit

Net Profit 74,671.29 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 10.87% vs 10.75% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,18,558.28 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 18.41% vs 6.08% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.38%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.05% vs 0.10% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.15%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.18% vs 0.09% in Mar 2025