Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
2,30,912.06
2,23,056.93
1,86,867.81
1,16,466.19
94,304.39
90,434.64
84,927.59
Income On Investments
45,021.39
38,892.52
32,766.53
22,934.72
19,469.60
17,047.94
15,542.62
Interest On Balances With Rbi Other Inter Bank Funds
1,795.29
1,905.19
1,580.83
688.14
1,856.92
2,026.38
1,199.91
Interest / Discount On Advances / Bills
1,79,411.25
1,78,028.64
1,49,075.03
91,453.08
72,603.16
71,022.91
67,743.30
Others
4,684.13
4,230.58
3,445.42
1,390.25
374.71
337.41
441.76
Other Income
49,333.69
33,604.40
31,074.74
22,483.65
21,872.84
17,610.98
17,228.25
Total Income
2,80,245.75
2,56,661.33
2,17,942.55
1,38,949.84
1,16,177.23
1,08,045.62
1,02,155.84
Interest Expended
1,35,307.59
1,32,452.64
1,07,412.17
52,975.78
41,167.56
42,675.22
43,945.40
Net Interest Income
95,604.47
90,604.29
79,455.64
63,490.41
53,136.83
47,759.42
40,982.19
Total Expenditure (Excl Depreciation)
54,182.80
50,617.91
45,417.18
34,189.98
27,289.40
23,541.33
22,419.71
Employee Cost
19,822.43
17,784.59
15,304.02
11,150.30
8,887.05
7,685.94
7,027.41
Other Operating Expenses
34,360.37
32,833.32
30,113.16
23,039.68
18,402.35
15,855.39
15,392.30
Operating Profit Before Provisions and Contingencies
90,755.36
73,590.78
65,113.20
51,784.08
47,720.27
41,829.07
35,790.73
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
20,780.02
8,456.37
9,980.50
9,234.30
11,749.48
11,009.15
8,357.90
Profit Before Tax
69,975.34
65,134.41
55,132.70
42,549.78
35,970.79
30,819.92
27,432.83
Tax
14,525.10
15,403.19
10,832.28
10,488.52
9,064.64
7,889.90
8,103.20
Profit After Tax
55,450.24
49,731.22
44,300.42
32,061.26
26,906.15
22,930.02
19,329.63
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
55,450.24
49,731.22
44,300.42
32,061.26
26,906.15
22,930.02
19,329.63
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
Operating Profit Margin (Excl OI)
76.54%
77.31%
75.7%
70.64%
71.06%
73.97%
73.6%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
24.01%
22.3%
23.71%
27.53%
28.53%
25.36%
22.76%
Net Interest Margin
3.35%
3.43%
3.4%
4.1%
4.1%
4.2%
4.2%
Return on Assets
0.48%
0.47%
0.49%
0.56%
0.56%
0.55%
0.55%
CASA (%)
34.0%
34.0%
38.0%
44.0%
47.1%
43.0%
39.5%
CASA Amount
9,61,200.00
8,72,700.00
8,35,700.00
7,62,951.00
6,81,224.00
5,46,747.00
4,21,828.00
Capital Adequacy Ratio (Total)
19.87%
19.97%
18.39%
17.66%
19.53%
18.91%
18.48%
Capital Adequacy Ratio (Tier 1)
17.8%
18.03%
16.79%
15.47%
18.37%
17.58%
17.05%
Provision Coverage Ratio (%)
66.0%
68.0%
75.0%
73.0%
71.0%
0.0%
0.0%
Amount of Gross NPAs
35,178.98
36,018.58
31,011.67
18,763.90
16,013.55
8,825.56
13,427.25
Amount of Net NPAs
11,981.75
11,587.54
7,664.10
5,024.27
4,676.77
1,015.99
4,468.35
% of Net NPAs
0.42%
0.46%
0.31%
0.33%
0.37%
0.09%
0.48%
% of Gross NPAs
1.24%
1.42%
1.26%
1.23%
1.26%
0.81%
1.42%
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
21176.0
21049.0
20688.0
19007.0
17238.0
15541.0
14533.0
Number of Branches
9616.0
9143.0
8091.0
7183.0
5779.0
5485.0
5345.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 3.52% vs 19.37% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is 11.50% vs 12.26% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is 23.32% vs 13.02% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is -0.04% vs 0.15% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -0.18% vs 0.16% in Dec 2024
Compare Nine Monthly Results Of HDFC Bank With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
2,30,912.06
1,26,670.70
1,04,241.36
82.29%
Income On Investments
45,021.39
25,389.28
19,632.11
77.32%
Interest On Balances With Rbi Other Inter Bank Funds
1,795.29
2,087.11
-291.82
-13.98%
Interest / Discount On Advances / Bills
1,79,411.25
97,246.68
82,164.57
84.49%
Others
4,684.13
1,947.63
2,736.50
140.5%
Other Income
49,333.69
23,448.60
25,885.09
110.39%
Total Income
2,80,245.75
1,50,119.30
1,30,126.45
86.68%
Interest Expended
1,35,307.59
61,574.54
73,733.05
119.75%
Net Interest Income
95,604.47
65,096.16
30,508.31
46.87%
Total Expenditure (Excl Depreciation)
54,182.80
35,145.00
19,037.80
54.17%
Employee Cost
19,822.43
13,506.72
6,315.71
46.76%
Other Operating Expenses
34,360.37
21,638.28
12,722.09
58.79%
Operating Profit Before Provisions and Contingencies
90,755.36
53,399.76
37,355.60
69.95%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
20,780.02
5,284.26
15,495.76
293.24%
Profit Before Tax
69,975.34
48,115.50
21,859.84
45.43%
Tax
14,525.10
11,670.54
2,854.56
24.46%
Profit After Tax
55,450.24
36,444.96
19,005.28
52.15%
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
55,450.24
36,444.96
19,005.28
52.15%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
24.01%
28.77%
0.00
-4.76%
Net Interest Margin
3.35%
4.30%
-0.95
-0.95%
Return on Assets
0.48%
0.00%
0.48
0.48%
CASA (%)
34.00%
39.00%
-5.00
-5.00%
CASA Amount
9,61,200.00
6,67,590.00
2,93,610.00
43.98%
Capital Adequacy Ratio (Total)
19.87%
15.59%
4.28
4.28%
Capital Adequacy Ratio (Tier 1)
17.80%
14.71%
3.09
3.09%
Provision Coverage Ratio (%)
66.00%
75.40%
-9.40
-9.40%
Amount of Gross NPAs
35,178.98
23,758.00
11,420.98
48.07%
Amount of Net NPAs
11,981.75
5,732.00
6,249.75
109.03%
% of Net NPAs
0.42%
0.37%
0.05
0.05%
% of Gross NPAs
1.24%
1.53%
-0.29
-0.29%
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
21,176.00
11,983.00
9,193.00
76.72%
Number of Branches
9,616.00
7,385.00
2,231.00
30.21%
Nine Monthly - Interest Earned
Interest Earned 230912.06 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 3.52% vs 19.37% in Dec 2024
Nine Monthly - Net Profit
Net Profit 55,450.24 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 11.50% vs 12.26% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 90,755.36 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 23.32% vs 13.02% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.42%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.04% vs 0.15% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.24%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.18% vs 0.16% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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