Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
1,54,160.90
1,47,050.05
1,16,285.20
73,758.42
61,836.34
60,354.94
55,557.87
Income On Investments
30,355.56
25,175.42
20,550.75
14,895.50
12,943.78
11,216.03
10,339.48
Interest On Balances With Rbi Other Inter Bank Funds
1,224.96
1,147.63
1,204.76
456.48
993.73
1,468.04
591.62
Interest / Discount On Advances / Bills
1,19,457.45
1,18,104.69
92,302.45
57,811.67
47,707.67
47,442.22
44,318.67
Others
3,122.93
2,622.31
2,227.24
594.77
191.16
228.65
308.10
Other Income
36,079.85
22,150.84
19,937.70
13,983.81
13,689.29
10,167.76
10,558.97
Total Income
1,90,240.75
1,69,200.89
1,36,222.90
87,742.23
75,525.63
70,522.70
66,116.84
Interest Expended
91,171.43
87,099.01
65,300.90
33,255.84
27,142.99
28,913.13
28,748.58
Net Interest Income
62,989.47
59,951.04
50,984.30
40,502.58
34,693.35
31,441.81
26,809.29
Total Expenditure (Excl Depreciation)
35,411.76
33,511.50
29,456.10
21,726.38
17,438.32
14,966.52
14,522.94
Employee Cost
12,619.26
11,834.18
9,952.26
7,024.07
5,732.63
5,055.82
4,572.45
Other Operating Expenses
22,792.50
21,677.32
19,503.84
14,702.31
11,705.69
9,910.70
9,950.49
Operating Profit Before Provisions and Contingencies
63,657.56
48,590.38
41,465.90
32,760.01
30,944.32
26,643.05
22,845.32
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
17,942.16
5,302.52
5,763.86
6,427.86
8,755.50
7,595.02
5,314.34
Profit Before Tax
45,715.40
43,287.86
35,702.04
26,332.15
22,188.82
19,048.03
17,530.98
Tax
8,918.91
10,292.14
7,774.16
6,530.38
5,624.87
4,876.30
5,617.83
Profit After Tax
36,796.49
32,995.72
27,927.88
19,801.77
16,563.95
14,171.73
11,913.15
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
36,796.49
32,995.72
27,927.88
19,801.77
16,563.95
14,171.73
11,913.15
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
23.95
21.62
36.84
35.55
29.91
12.87
10.89
Diluted Earnings per share
23.88
21.59
42.23
35.5
29.8
12.85
10.8
Operating Profit Margin (Excl OI)
65.39%
73.6%
69.71%
61.83%
57.64%
62.62%
64.29%
Gross Profit Margin
29.65%
29.44%
30.7%
35.7%
35.88%
31.56%
31.55%
PAT Margin
23.87%
22.44%
24.02%
26.85%
26.79%
23.48%
21.44%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.97%
0.96%
1.0%
0.97%
0.95%
0.92%
0.96%
CASA (%)
34.0%
35.0%
38.0%
45.4%
46.8%
41.6%
39.3%
CASA Amount
9,49,100.00
8,83,500.00
8,17,700.00
7,59,696.00
6,58,232.00
5,11,451.00
4,01,236.00
Capital Adequacy Ratio (Total)
19.96%
19.77%
19.54%
16.92%
19.96%
19.08%
17.54%
Capital Adequacy Ratio (Tier 1)
17.9%
17.79%
17.81%
15.99%
18.75%
17.73%
16.16%
Provision Coverage Ratio (%)
67.0%
70.0%
74.0%
73.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
34,289.48
34,250.62
31,577.89
18,301.00
16,346.07
11,304.60
12,508.15
Amount of Net NPAs
11,447.29
10,308.54
8,072.79
4,882.67
4,755.09
1,756.08
3,790.95
% of Net NPAs
0.42%
0.41%
0.35%
0.33%
0.4%
0.17%
0.42%
% of Gross NPAs
1.24%
1.36%
1.34%
1.23%
1.35%
1.08%
1.38%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
21417.0
20993.0
20596.0
18868.0
16642.0
15292.0
13514.0
Number of Branches
9545.0
9092.0
7945.0
6499.0
5686.0
5430.0
5314.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 4.84% vs 26.46% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is 11.52% vs 18.15% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is 31.01% vs 17.18% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is 0.01% vs 0.06% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is -0.12% vs 0.02% in Sep 2024
Compare Half Yearly Results Of HDFC Bank With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
1,54,160.90
84,704.86
69,456.04
82.0%
Income On Investments
30,355.56
17,172.38
13,183.18
76.77%
Interest On Balances With Rbi Other Inter Bank Funds
1,224.96
1,414.39
-189.43
-13.39%
Interest / Discount On Advances / Bills
1,19,457.45
64,726.60
54,730.85
84.56%
Others
3,122.93
1,391.49
1,731.44
124.43%
Other Income
36,079.85
16,080.44
19,999.41
124.37%
Total Income
1,90,240.75
1,00,785.30
89,455.45
88.76%
Interest Expended
91,171.43
41,540.94
49,630.49
119.47%
Net Interest Income
62,989.47
43,163.92
19,825.55
45.93%
Total Expenditure (Excl Depreciation)
35,411.76
23,200.56
12,211.20
52.63%
Employee Cost
12,619.26
9,084.92
3,534.34
38.9%
Other Operating Expenses
22,792.50
14,115.64
8,676.86
61.47%
Operating Profit Before Provisions and Contingencies
63,657.56
36,043.80
27,613.76
76.61%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
17,942.16
2,728.68
15,213.48
557.54%
Profit Before Tax
45,715.40
33,315.12
12,400.28
37.22%
Tax
8,918.91
8,188.02
730.89
8.93%
Profit After Tax
36,796.49
25,127.10
11,669.39
46.44%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
36,796.49
25,127.10
11,669.39
46.44%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
23.95
32.87
-8.92
-27.14%
Diluted Earnings per share
23.88
34.69
-10.81
-31.16%
Operating Profit Margin (Excl OI)
65.39%
69.39%
0.00
-4.00%
Gross Profit Margin
29.65%
39.33%
0.00
-9.68%
PAT Margin
23.87%
29.66%
0.00
-5.79%
Net Interest Margin
0.00%
4.30%
-4.30
-4.30%
Return on Assets
0.97%
0.00%
0.97
0.97%
CASA (%)
34.00%
39.20%
-5.20
-5.20%
CASA Amount
9,49,100.00
6,58,871.00
2,90,229.00
44.05%
Capital Adequacy Ratio (Total)
19.96%
15.76%
4.20
4.20%
Capital Adequacy Ratio (Tier 1)
17.90%
15.11%
2.79
2.79%
Provision Coverage Ratio (%)
67.00%
75.00%
-8.00
-8.00%
Amount of Gross NPAs
34,289.48
23,850.00
10,439.48
43.77%
Amount of Net NPAs
11,447.29
5,827.00
5,620.29
96.45%
% of Net NPAs
0.42%
0.39%
0.03
0.03%
% of Gross NPAs
1.24%
1.58%
-0.34
-0.34%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
21,417.00
10,610.00
10,807.00
101.86%
Number of Branches
9,545.00
7,246.00
2,299.00
31.73%
Half Yearly - Interest Earned
Interest Earned 154160.9 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 4.84% vs 26.46% in Sep 2024
Half Yearly - Net Profit
Net Profit 36,796.49 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 11.52% vs 18.15% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 63,657.56 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 31.01% vs 17.18% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.42%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is 0.01% vs 0.06% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.24%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.12% vs 0.02% in Sep 2024






