HDFC Bank

Why is HDFC Bank Ltd. falling/rising?

As of 04-Aug, HDFC Bank Ltd. is facing a decline in its stock price, currently at Rs 739.95, down 1.48%. This decline is due to underperformance against the Sensex, a significant drop in investor participation, and trading below key moving averages, despite the bank's strong long-term fundamentals.

As of 04-Aug, HDFC Bank Ltd. is experiencing a decline in its stock price, currently at Rs 739.95, which reflects a change of -11.1 (-1.48%). This downward movement can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed against the benchmark Sensex, which has risen by 2.17% over the past week, while HDFC Bank's stock has only increased by 0.61%. Over the past month, the stock has decreased by 7.62%, contrasting with the Sensex's modest gain of 0.86%. Year-to-date, HDFC Bank's stock has fallen by 25.39%, significantly underperforming the Sensex, which has only declined by 7.97%.<BR><BR>Additionally, the stock is trading close to its 52-week low, being just 1.78% away from Rs 726.75. The performance today indicates that it has underperformed its sector by 0.73%. The stock is also trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend.<BR><BR>Investor participation has also decreased, as evidenced by a significant drop in delivery volume, which fell by 51.78% compared to the 5-day average. Although the stock remains liquid enough for trading, this decline in participation may indicate waning investor confidence.<BR><BR>Despite these negative indicators, HDFC Bank does possess strong long-term fundamentals, such as a healthy net profit growth rate and a high capital adequacy ratio. However, the current market sentiment appears to be overshadowing these strengths, contributing to the stock's decline.

Which are the latest news on HDFC Bank?

Are HDFC Bank Ltd. latest results good or bad?

HDFC Bank's latest results show a mixed performance, with a net profit increase of 4.98% but a decline in net interest margin and total income, raising concerns about future growth. Investors should be cautious due to the bank's underperformance and challenges in attracting low-cost deposits.

HDFC Bank's latest results present a mixed picture. On the positive side, the bank reported a net profit of ₹19,059.72 crore for Q1 FY27, which reflects a year-on-year growth of 4.98%. Additionally, net interest income grew by 6.67% year-on-year, indicating some resilience in its core banking operations.<BR><BR>However, there are significant concerns as well. The bank experienced a decline in net interest margin (NIM), which fell to 3.26%, down 12 basis points from the previous quarter and 9 basis points year-on-year. This margin compression is a critical issue, particularly in a competitive banking environment where maintaining pricing power is challenging. Furthermore, the CASA ratio, a key indicator of deposit quality, deteriorated to 32.0%, down 200 basis points, suggesting that the bank is facing pressure in attracting low-cost deposits.<BR><BR>The overall performance was characterized by a sharp contraction in total income, which fell 7.07% year-on-year, primarily due to a significant drop in other income. This raises questions about the sustainability of earnings quality, as the bank's reliance on non-interest income has increased.<BR><BR>In terms of stock performance, HDFC Bank has underperformed significantly, with a decline of 17.48% over the past year compared to a 4.99% drop in the Sensex. The current valuation at 17 times trailing earnings appears expensive given the slowing growth trajectory.<BR><BR>In summary, while there are some positive indicators, the overall results reflect challenges that could weigh on future performance. Investors may need to adopt a cautious approach, monitoring how the bank addresses these issues moving forward.

Should I buy, sell or hold HDFC Bank Ltd.?

How big is HDFC Bank?

As of 10th June, HDFC Bank Ltd. has a market capitalization of 1,137,886.00 Cr and reported a net profit of 74,671.29 Cr, with total assets of 39,17,685.68 Cr as of March 2025. No valid net sales data was found for the latest four quarters.

As of 10th June, HDFC Bank Ltd. has a market capitalization of 1,137,886.00 Cr, classifying it as a Large Cap company.<BR><BR>In the latest four quarters, HDFC Bank reported net sales of 0.00 Cr, indicating no valid net sales data found for summing. The net profit for the same period was 74,671.29 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025. Shareholder's funds were reported at 5,01,424.64 Cr, while total assets amounted to 39,17,685.68 Cr.

Who are in the management team of HDFC Bank?

The management team of HDFC Bank includes Sashidhar Jagdishan (MD & CEO), Kaizad Bharucha (Deputy MD), and Bhavesh Zaveri (Executive Director), among others. The board also features independent directors like Umesh Chandra Sarangi and Sandeep Parekh, contributing to the bank's governance and strategy.

The management team of HDFC Bank includes the following key members:<BR><BR>1. **Sashidhar Jagdishan** - Managing Director & CEO<BR>2. **Kaizad Bharucha** - Deputy Managing Director<BR>3. **Bhavesh Zaveri** - Executive Director<BR>4. **V Srinivasa Rangan** - Whole Time Director<BR>5. **Atanu Chakraborty** - Part Time Chairman<BR><BR>Additionally, the board features several independent directors, including:<BR><BR>- **Umesh Chandra Sarangi**<BR>- **Sandeep Parekh**<BR>- **M D Ranganath**<BR>- **Sanjiv Sachar**<BR>- **Sunita Maheshwari**<BR>- **Lily Vadera**<BR><BR>There are also directors such as **Renu S Karnad** and **K M Mistry**. Each member plays a vital role in the governance and strategic direction of the bank.

Who are the peers of the HDFC Bank?

HDFC Bank's peers include ICICI Bank, Axis Bank, Kotak Mahindra Bank, and others. In terms of management risk, growth, and capital structure, HDFC Bank ranks well, but its 1-year return is -23.68%, higher than IDBI Bank's -26.91% but lower than Federal Bank's 48.88%.

Peers: The peers of HDFC Bank are ICICI Bank, Axis Bank, Kotak Mah. Bank, IDBI Bank, Federal Bank, Yes Bank, IndusInd Bank, IDFC First Bank, Bandhan Bank, and Karur Vysya Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at HDFC Bank, ICICI Bank, Axis Bank, Kotak Mah. Bank, Bandhan Bank, and Karur Vysya Bank, while Average management risk is found at IDBI Bank, Yes Bank, and IDFC First Bank. Good management risk is noted at Federal Bank and IndusInd Bank, while below average management risk is present at IndusInd Bank. Growth is excellent at ICICI Bank, Federal Bank, and IDFC First Bank, while good growth is seen at HDFC Bank, Axis Bank, Kotak Mah. Bank, IDBI Bank, Yes Bank, and the rest. Below average growth is noted at IndusInd Bank and Bandhan Bank, while excellent capital structure is found at HDFC Bank, ICICI Bank, Kotak Mah. Bank, IDBI Bank, IndusInd Bank, Bandhan Bank, and the rest, with good capital structure at Axis Bank, Federal Bank, Yes Bank, IDFC First Bank, and Karur Vysya Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Federal Bank at 48.88%, while the lowest is IDBI Bank at -26.91%. HDFC Bank's own 1-year return is -23.68%, which is higher than IDBI Bank's but lower than Federal Bank's. Additionally, IDBI Bank and HDFC Bank have negative six-month returns.

What does HDFC Bank do?

HDFC Bank Limited is a large-cap private sector bank in India, offering a variety of banking and financial services. As of March 2026, it reported net sales of ₹76,610.02 crore and a net profit of ₹19,221 crore, with a market cap of ₹1,137,886 crore.

Overview:<BR>HDFC Bank Limited is a large-cap private sector bank that provides a range of banking and financial services, including retail and wholesale banking.<BR><BR>History:<BR>HDFC Bank was incorporated in the year 1994 and has since established itself as a prominent player in the banking sector. The latest quarterly results reported are for March 2026, showcasing the bank's performance.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 76,610.02 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 19,221 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 1,137,886 Cr (Large Cap)<BR><BR>Key Metrics:<BR>Industry: Private Sector Bank <BR>Dividend Yield: 1.65% <BR>CAR: 17.30% <BR>Return on Assets: 1.71% <BR>Net NPA: 0.38% <BR>Gross NPA: 1.15%<BR><BR>Contact Details:<BR>Address: HDFC Bank House, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra: 400013 <BR>Tel: 91-22-66521000/3976 0000 <BR>Email: shareholder.grievances@hdfcbank.com <BR>Website: http://www.hdfcbank.com

Is HDFC Bank technically bullish or bearish?

As of November 20, 2025, HDFC Bank's trend is bullish with strong indicators like MACD and Bollinger Bands supporting this view, although there are some mixed signals from KST and OBV suggesting caution.

As of 20 November 2025, the technical trend has changed from mildly bullish to bullish. The current stance for HDFC Bank is bullish with strong indicators supporting this view. The MACD is bullish on both weekly and monthly timeframes, and Bollinger Bands also indicate a bullish trend in both timeframes. Daily moving averages confirm a bullish outlook as well. However, the KST shows a mildly bearish signal on the weekly timeframe, and the OBV indicates a mildly bearish stance on the weekly as well, suggesting some caution. Overall, the strength of the bullish trend is supported by multiple indicators, despite some mixed signals in the shorter-term metrics.

How has been the historical performance of HDFC Bank?

HDFC Bank has shown significant growth from March 2020 to March 2025, with interest earned increasing from ₹1,14,812.65 Cr to ₹3,00,517.04 Cr, and profit after tax rising from ₹26,257.32 Cr to ₹67,347.36 Cr, alongside substantial growth in total assets and liabilities. Overall, the bank has demonstrated robust performance across key financial metrics.

Answer:<BR>The historical performance of HDFC Bank shows significant growth across various financial metrics over the years.<BR><BR>Breakdown:<BR>HDFC Bank's interest earned has increased from 1,14,812.65 Cr in Mar'20 to 3,00,517.04 Cr in Mar'25, reflecting a strong upward trend. The net interest income also rose from 56,186.25 Cr in Mar'20 to 1,22,670.09 Cr in Mar'25. Total income followed a similar trajectory, climbing from 1,38,073.47 Cr in Mar'20 to 3,46,149.32 Cr in Mar'25. However, interest expended also grew, from 58,626.40 Cr in Mar'20 to 1,77,846.95 Cr in Mar'25. Profit before tax saw a substantial increase from 36,607.16 Cr in Mar'20 to 88,478.06 Cr in Mar'25, while profit after tax rose from 26,257.32 Cr to 67,347.36 Cr during the same period. The bank's total assets grew from 15,30,511.26 Cr in Mar'20 to 39,17,685.68 Cr in Mar'25, with total liabilities increasing from 15,30,511.26 Cr to 39,17,685.69 Cr. Cash and cash equivalents also improved significantly, from 86,618.00 Cr in Mar'20 to 2,39,570.00 Cr in Mar'25. Overall, HDFC Bank has demonstrated robust growth in income, profit, and asset base over the years.

Is HDFC Bank overvalued or undervalued?

As of May 5, 2025, HDFC Bank is considered overvalued with a PE ratio of 22.51 and a current price of 1981.10, despite a strong stock return of 25.92% over the past year, indicating a shift in valuation from very expensive to expensive compared to its peers.

As of 5 May 2025, HDFC Bank's valuation grade has moved from very expensive to expensive, indicating a shift in market perception. The bank is currently considered overvalued based on its key financial ratios, including a PE ratio of 22.51, a Price to Book Value of 3.05, and a PEG ratio of 2.29. When compared to peers, ICICI Bank has a slightly lower PE ratio of 22.01, while Axis Bank is significantly lower at 14.05, highlighting HDFC Bank's premium valuation in the sector.<BR><BR>Despite its strong performance with a recent stock return of 25.92% over the past year compared to the Sensex's 7.65%, the elevated valuation ratios suggest that HDFC Bank may not offer sufficient upside potential at its current price of 1981.10. Overall, the analysis indicates that HDFC Bank is overvalued relative to its peers and market conditions.

Who are the top shareholders of the HDFC Bank?

The top shareholders of HDFC Bank include Foreign Institutional Investors (FIIs) at 48.3%, mutual funds with 25.23%, and individual investors holding 12.39%. The SBI Nifty 50 ETF is the largest public shareholder at 7.34%, with no pledged promoter holdings reported.

The top shareholders of HDFC Bank include Foreign Institutional Investors (FIIs), who hold a significant 48.3% of the shares. Additionally, mutual funds are also major stakeholders, with 25.23% held across 668 schemes. The highest public shareholder is the SBI Nifty 50 ETF, which holds 7.34%. Individual investors collectively own 12.39% of the shares. There are no pledged promoter holdings, and there isn't a specific promoter with the highest holding mentioned.

When is the next results date for HDFC Bank?

No Upcoming Board Meetings

Has HDFC Bank declared dividend?

Yes, HDFC Bank has declared a dividend of ₹19.5 per share, amounting to 2200%. The ex-date for the dividend is June 27, 2025, and the bank has shown strong total returns over various periods, with a total return of 99.63% over the past 5 years.

HDFC Bank has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 2200%<BR>- Amount per share: ₹19.5<BR>- Ex-date: 27 Jun 25<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>Over the past 6 months, HDFC Bank has achieved a price return of 7.05%, a dividend return of 1.18%, resulting in a total return of 8.23%.<BR><BR>In the last year, the bank reported a price return of 27.44%, with a dividend return of 1.41%, leading to a total return of 28.85%.<BR><BR>For the 2-year period, the price return was 24.19%, the dividend return was 2.59%, culminating in a total return of 26.78%.<BR><BR>Over 3 years, HDFC Bank experienced a price return of 44.26%, a dividend return of 4.55%, resulting in a total return of 48.81%.<BR><BR>In the 4-year timeframe, the bank recorded a price return of 32.39%, with a dividend return of 5.47%, achieving a total return of 37.86%.<BR><BR>Finally, over the past 5 years, HDFC Bank has seen a price return of 92.06%, a dividend return of 7.57%, leading to an impressive total return of 99.63%.<BR><BR>Overall, HDFC Bank has declared a significant dividend and demonstrated strong total returns across various periods, indicating robust financial performance and shareholder value enhancement.