HDFC Bank Ltd.
•2026-08-20
ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 41.8% • Wholesale Banking: 24.1% • Insurance Business: 14.9% • Treasury: 11.4% • Other Banking Operations: 5.1% • Other: 2.7% • Digital Banking-Retail Banking: 0.0%
PROS
- Comfortable capital adequacy - CAR of 19.7%
- Asset quality is healthy - gross NPA of just 1.1%
- Strong return ratios for a lender: 3Y avg ROE 15.7%, ROA 1.8%
- Solid return on assets for a lender - ROA of 1.8%
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 22.1% CAGR over last 5 years
CONS
- A large part of profit comes from other income (143.8% of PBT)
- Operating margins have contracted to 36.9% from 44.1%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | HDFCBANK | 720.15 | 14.05 | 1109831.87 | 2.15 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| 2. | ICICIBANK | 1401.80 | 17.94 | 1006008.51 | 0.86 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| 3. | KOTAKBANK | 392.05 | 19.21 | 389986.67 | 0.17 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| 4. | AXISBANK | 1232.35 | 13.81 | 383618.90 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| 5. | FEDERALBNK | 359.45 | 18.97 | 88849.29 | 0.33 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| 6. | IDBI | 80.72 | 9.31 | 86793.39 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| 7. | AUBANK | 1071.30 | 44.12 | 80340.09 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| 8. | INDUSINDBK | 1011.95 | 59.63 | 78845.13 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| 9. | IDFCFIRSTB | 85.20 | 31.87 | 73452.79 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| 10. | YESBANK | 22.71 | 18.88 | 71281.66 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| 11. | RBLBANK | 381.00 | 65.69 | 59059.12 | 0.26 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| 12. | KARURVYSYA | 331.20 | 0.00 | 32017.55 | 0.79 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 51,168 | 75,039 | 78,008 | 79,434 | 81,546 | 83,002 | 85,040 | 86,779 | 87,372 | 86,994 | 87,067 | 87,182 | 9,05,753 | |
| Interest Expended | 25,955 | 41,250 | 43,242 | 43,692 | 44,580 | 45,414 | 46,914 | 46,986 | 47,709 | 46,741 | 45,821 | 45,220 | 4,76,256 |
| Net Interest Income | 25,213 | 33,789 | 34,766 | 35,742 | 36,967 | 37,588 | 38,126 | 39,793 | 39,663 | 40,253 | 41,246 | 41,962 | 4,29,497 |
| 9,853 | 32,528 | 37,007 | 44,958 | 35,450 | 38,455 | 27,154 | 33,489 | 45,683 | 31,567 | 39,860 | 29,737 | 4,25,350 | |
| Total Income | 0 | 0 | 0 | 0 | 1,16,996 | 1,21,457 | 1,12,194 | 1,20,269 | 1,33,055 | 1,18,561 | 1,26,927 | 1,16,920 | 13,31,104 |
| Operating Expenses | 0 | 0 | 0 | 0 | 4,65,465 | 4,88,052 | 3,73,495 | 4,39,038 | 4,91,830 | 4,08,790 | 5,05,240 | 4,05,878 | 5,44,887 |
| Operating Profit | 0 | 0 | 0 | 0 | 2,58,705 | 2,72,373 | 2,79,302 | 2,93,788 | 3,61,635 | 3,09,407 | 3,05,818 | 3,11,117 | 3,09,960 |
| Provisions & Contingencies | 0 | 0 | 0 | 0 | 31,431 | 32,689 | 39,573 | 38,054 | 1,53,136 | 42,818 | 36,207 | 34,400 | 38,028 |
| Profit before Tax | 16,597 | 20,967 | 21,243 | 17,761 | 22,727 | 23,968 | 23,973 | 25,573 | 20,850 | 26,659 | 26,961 | 27,672 | 2,71,932 |
| Tax % | 25.27% | 17.43% | 16.59% | -1.42% | 24.37% | 22.28% | 23.50% | 24.59% | 18.03% | 23.61% | 23.26% | 23.84% | 25.04% |
| Net Profit | 0 | 0 | 0 | 0 | 17,188 | 18,627 | 18,340 | 19,285 | 17,090 | 20,364 | 20,691 | 21,074 | 2,03,827 |
| EPS | 22 | 22 | 23 | 23 | 22 | 12 | 12 | 12 | 21 | 13 | 13 | 13 | 12 |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| NIM % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Capital Adequacy % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Assets % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Branches / ATMs / Employees | — | — | — | — | — | — | — | — | — | — | — | — | — |
- 51,168
- Interest Expended
- 25,955
- Net Interest Income
- 25,213
- 9,853
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 16,597
- Tax %
- 25.27%
- Net Profit
- 0
- EPS
- 22
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 75,039
- Interest Expended
- 41,250
- Net Interest Income
- 33,789
- 32,528
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 20,967
- Tax %
- 17.43%
- Net Profit
- 0
- EPS
- 22
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 78,008
- Interest Expended
- 43,242
- Net Interest Income
- 34,766
- 37,007
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 21,243
- Tax %
- 16.59%
- Net Profit
- 0
- EPS
- 23
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 79,434
- Interest Expended
- 43,692
- Net Interest Income
- 35,742
- 44,958
- Total Income
- 0
- Operating Expenses
- 0
- Operating Profit
- 0
- Provisions & Contingencies
- 0
- Profit before Tax
- 17,761
- Tax %
- -1.42%
- Net Profit
- 0
- EPS
- 23
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 81,546
- Interest Expended
- 44,580
- Net Interest Income
- 36,967
- 35,450
- Total Income
- 1,16,996
- Operating Expenses
- 4,65,465
- Operating Profit
- 2,58,705
- Provisions & Contingencies
- 31,431
- Profit before Tax
- 22,727
- Tax %
- 24.37%
- Net Profit
- 17,188
- EPS
- 22
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 83,002
- Interest Expended
- 45,414
- Net Interest Income
- 37,588
- 38,455
- Total Income
- 1,21,457
- Operating Expenses
- 4,88,052
- Operating Profit
- 2,72,373
- Provisions & Contingencies
- 32,689
- Profit before Tax
- 23,968
- Tax %
- 22.28%
- Net Profit
- 18,627
- EPS
- 12
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 85,040
- Interest Expended
- 46,914
- Net Interest Income
- 38,126
- 27,154
- Total Income
- 1,12,194
- Operating Expenses
- 3,73,495
- Operating Profit
- 2,79,302
- Provisions & Contingencies
- 39,573
- Profit before Tax
- 23,973
- Tax %
- 23.50%
- Net Profit
- 18,340
- EPS
- 12
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 86,779
- Interest Expended
- 46,986
- Net Interest Income
- 39,793
- 33,489
- Total Income
- 1,20,269
- Operating Expenses
- 4,39,038
- Operating Profit
- 2,93,788
- Provisions & Contingencies
- 38,054
- Profit before Tax
- 25,573
- Tax %
- 24.59%
- Net Profit
- 19,285
- EPS
- 12
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 87,372
- Interest Expended
- 47,709
- Net Interest Income
- 39,663
- 45,683
- Total Income
- 1,33,055
- Operating Expenses
- 4,91,830
- Operating Profit
- 3,61,635
- Provisions & Contingencies
- 1,53,136
- Profit before Tax
- 20,850
- Tax %
- 18.03%
- Net Profit
- 17,090
- EPS
- 21
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 86,994
- Interest Expended
- 46,741
- Net Interest Income
- 40,253
- 31,567
- Total Income
- 1,18,561
- Operating Expenses
- 4,08,790
- Operating Profit
- 3,09,407
- Provisions & Contingencies
- 42,818
- Profit before Tax
- 26,659
- Tax %
- 23.61%
- Net Profit
- 20,364
- EPS
- 13
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 87,067
- Interest Expended
- 45,821
- Net Interest Income
- 41,246
- 39,860
- Total Income
- 1,26,927
- Operating Expenses
- 5,05,240
- Operating Profit
- 3,05,818
- Provisions & Contingencies
- 36,207
- Profit before Tax
- 26,961
- Tax %
- 23.26%
- Net Profit
- 20,691
- EPS
- 13
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 87,182
- Interest Expended
- 45,220
- Net Interest Income
- 41,962
- 29,737
- Total Income
- 1,16,920
- Operating Expenses
- 4,05,878
- Operating Profit
- 3,11,117
- Provisions & Contingencies
- 34,400
- Profit before Tax
- 27,672
- Tax %
- 23.84%
- Net Profit
- 21,074
- EPS
- 13
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- 9,05,753
- Interest Expended
- 4,76,256
- Net Interest Income
- 4,29,497
- 4,25,350
- Total Income
- 13,31,104
- Operating Expenses
- 5,44,887
- Operating Profit
- 3,09,960
- Provisions & Contingencies
- 38,028
- Profit before Tax
- 2,71,932
- Tax %
- 25.04%
- Net Profit
- 2,03,827
- EPS
- 12
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- NIM %
- 0.00%
- CASA %
- 0.00%
- Capital Adequacy %
- 0.00%
- Return on Assets %
- 0.00%
- Branches / ATMs / Employees
- —
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,83,649 | 3,36,367 | 3,48,615 | — | |
| Interest Expended | 38,042 | 42,381 | 53,713 | 62,137 | 59,248 | 58,584 | 77,780 | 1,54,139 | 1,83,894 | 1,85,491 | 1,85,408 |
| Net Interest Income | -38,042 | -42,381 | -53,713 | -62,137 | -59,248 | -58,584 | -77,780 | 1,29,510 | 1,52,473 | 1,63,124 | — |
| 12,878 | 16,057 | 18,947 | 24,879 | 27,333 | 31,759 | 33,912 | 1,24,346 | 1,34,548 | 1,46,848 | 1,43,700 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,07,995 | 4,70,916 | 4,95,463 | 4,95,518 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,52,269 | 1,76,605 | 1,81,174 | — | |
| Operating Profit | -38,042 | -42,381 | -53,713 | -62,137 | -59,248 | -58,584 | -77,780 | 1,01,587 | 1,10,417 | 1,28,798 | — |
| 3,927 | 6,176 | 7,883 | 11,443 | 14,432 | 13,771 | 14,019 | 25,018 | 14,175 | 26,656 | — | |
| Profit before Tax | 23,366 | 28,464 | 34,318 | 38,195 | 42,796 | 50,873 | 61,498 | 76,569 | 96,242 | 1,02,141 | 1,08,485 |
| Tax % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15 | 24 | 22 | 24 |
| Net Profit | 15,287 | 18,561 | 22,446 | 27,296 | 31,857 | 38,151 | 46,149 | 65,446 | 73,440 | 79,219 | 82,512 |
| EPS | 59 | 71 | 41 | 49 | 58 | 68 | 82 | 84 | 93 | 49 | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — | — | — | — |
| Cost-to-Income % | — | — | — | — | — | — | — | — | — | — | — |
| Credit Cost % | — | — | — | — | — | — | — | — | — | — | — |
- 0
- Interest Expended
- 38,042
- Net Interest Income
- -38,042
- 12,878
- Total Income
- 0
- 0
- Operating Profit
- -38,042
- 3,927
- Profit before Tax
- 23,366
- Tax %
- 0
- Net Profit
- 15,287
- EPS
- 59
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 42,381
- Net Interest Income
- -42,381
- 16,057
- Total Income
- 0
- 0
- Operating Profit
- -42,381
- 6,176
- Profit before Tax
- 28,464
- Tax %
- 0
- Net Profit
- 18,561
- EPS
- 71
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 53,713
- Net Interest Income
- -53,713
- 18,947
- Total Income
- 0
- 0
- Operating Profit
- -53,713
- 7,883
- Profit before Tax
- 34,318
- Tax %
- 0
- Net Profit
- 22,446
- EPS
- 41
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 62,137
- Net Interest Income
- -62,137
- 24,879
- Total Income
- 0
- 0
- Operating Profit
- -62,137
- 11,443
- Profit before Tax
- 38,195
- Tax %
- 0
- Net Profit
- 27,296
- EPS
- 49
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 59,248
- Net Interest Income
- -59,248
- 27,333
- Total Income
- 0
- 0
- Operating Profit
- -59,248
- 14,432
- Profit before Tax
- 42,796
- Tax %
- 0
- Net Profit
- 31,857
- EPS
- 58
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 58,584
- Net Interest Income
- -58,584
- 31,759
- Total Income
- 0
- 0
- Operating Profit
- -58,584
- 13,771
- Profit before Tax
- 50,873
- Tax %
- 0
- Net Profit
- 38,151
- EPS
- 68
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 0
- Interest Expended
- 77,780
- Net Interest Income
- -77,780
- 33,912
- Total Income
- 0
- 0
- Operating Profit
- -77,780
- 14,019
- Profit before Tax
- 61,498
- Tax %
- 0
- Net Profit
- 46,149
- EPS
- 82
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 2,83,649
- Interest Expended
- 1,54,139
- Net Interest Income
- 1,29,510
- 1,24,346
- Total Income
- 4,07,995
- 1,52,269
- Operating Profit
- 1,01,587
- 25,018
- Profit before Tax
- 76,569
- Tax %
- 15
- Net Profit
- 65,446
- EPS
- 84
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 3,36,367
- Interest Expended
- 1,83,894
- Net Interest Income
- 1,52,473
- 1,34,548
- Total Income
- 4,70,916
- 1,76,605
- Operating Profit
- 1,10,417
- 14,175
- Profit before Tax
- 96,242
- Tax %
- 24
- Net Profit
- 73,440
- EPS
- 93
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- 3,48,615
- Interest Expended
- 1,85,491
- Net Interest Income
- 1,63,124
- 1,46,848
- Total Income
- 4,95,463
- 1,81,174
- Operating Profit
- 1,28,798
- 26,656
- Profit before Tax
- 1,02,141
- Tax %
- 22
- Net Profit
- 79,219
- EPS
- 49
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- —
- Interest Expended
- 1,85,408
- Net Interest Income
- —
- 1,43,700
- Total Income
- 4,95,518
- —
- Operating Profit
- —
- —
- Profit before Tax
- 1,08,485
- Tax %
- 24
- Net Profit
- 82,512
- EPS
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
- NIM %
- —
- Cost-to-Income %
- —
- Credit Cost %
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- 19%
- 5 Years:
- 22%
- 3 Years:
- 27%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 20%
- 5 Years:
- 19%
- 3 Years:
- 18%
STOCK PRICE CAGR
- 10 Years:
- 9%
- 5 Years:
- -1%
- 3 Years:
- -3%
- 1 Year:
- -27%
RETURN ON EQUITY
- 10 Years:
- 17%
- 5 Years:
- 16%
- 3 Years:
- 16%
- Last Year:
- 14%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 513 | 519 | 545 | 548 | 551 | 555 | 558 | 760 | 765 | 1,539 |
| 91,281 | 1,09,080 | 1,53,128 | 1,75,810 | 2,09,259 | 2,46,431 | 2,87,762 | 4,52,983 | 5,17,219 | 5,79,975 | |
| 6,43,134 | 7,88,375 | 9,22,503 | 11,46,207 | 13,33,721 | 15,58,003 | 18,82,663 | 23,76,887 | 27,10,898 | 30,99,638 | |
| 98,416 | 1,56,442 | 1,57,733 | 1,86,834 | 1,77,697 | 2,26,966 | 2,56,549 | 7,30,615 | 6,34,606 | 5,88,485 | |
| Other Liabilities & Provisions | 58,709 | 48,413 | 58,396 | 70,854 | 77,646 | 89,918 | 1,00,923 | 4,52,913 | 5,08,765 | 6,11,474 |
| Total Liabilities | 8,92,344 | 11,03,186 | 12,92,806 | 15,80,830 | 17,99,507 | 21,22,934 | 25,30,432 | 40,30,194 | 43,92,417 | 49,08,041 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 37,911 | 1,04,688 | 46,805 | 72,211 | 97,370 | 1,30,031 | 1,17,189 | 1,78,719 | 1,44,390 | 2,00,707 | |
| Balances with Banks & Money at Call | 11,401 | 18,373 | 35,013 | 15,729 | 23,902 | 25,355 | 79,959 | 50,116 | 1,05,558 | 1,11,219 |
| 2,10,777 | 2,38,461 | 2,89,446 | 3,89,305 | 4,38,823 | 4,49,264 | 5,11,582 | 10,05,682 | 11,86,473 | 12,80,216 | |
| 5,85,481 | 7,00,034 | 8,69,223 | 10,43,671 | 11,85,284 | 14,20,942 | 16,61,949 | 25,71,917 | 27,24,938 | 30,50,783 | |
| 3,859 | 3,855 | 4,264 | 4,671 | 5,293 | 6,476 | 8,476 | 12,604 | 15,258 | 16,492 | |
| 42,960 | 37,819 | 48,100 | 55,288 | 48,879 | 90,910 | 1,51,322 | 2,11,158 | 2,15,801 | 2,48,624 | |
| Total Assets | 8,92,344 | 11,03,186 | 12,92,806 | 15,80,830 | 17,99,507 | 21,22,934 | 25,30,432 | 40,30,194 | 43,92,417 | 49,08,041 |
| CASA Deposits | 1,93,579 | 2,23,797 | 2,48,700 | 3,10,377 | 4,03,492 | 5,11,737 | 5,62,491 | 5,98,744 | 6,30,466 | 7,05,800 |
| CASA Ratio (%) | 30.10 | 28.39 | 26.96 | 27.08 | 30.25 | 32.85 | 29.88 | 25.19 | 23.26 | 22.77 |
| Credit-Deposit Ratio (%) | 91.04 | 88.79 | 94.22 | 91.05 | 88.87 | 91.20 | 88.28 | 108.21 | 100.52 | 98.42 |
| Contingent Liabilities | 8,18,284 | 8,75,777 | 10,25,125 | 11,30,474 | 9,75,281 | 14,00,198 | 17,50,954 | 23,44,488 | 27,09,922 | 34,79,487 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 65,333 | 70,680 | 82,470 |
| Book Value per Share | 358.21 | 422.33 | 564.29 | 321.63 | 380.59 | 445.38 | 516.73 | 597.27 | 676.91 | 377.77 |
| CASA Deposits | 1,93,579 | 2,23,797 | 2,48,700 | 3,10,377 | 4,03,492 | 5,11,737 | 5,62,491 | 5,98,744 | 6,30,466 | 7,05,800 |
| CASA Ratio (%) | 30.10 | 28.39 | 26.96 | 27.08 | 30.25 | 32.85 | 29.88 | 25.19 | 23.26 | 22.77 |
| Credit-Deposit Ratio (%) | 91.04 | 88.79 | 94.22 | 91.05 | 88.87 | 91.20 | 88.28 | 108.21 | 100.52 | 98.42 |
| Contingent Liabilities | 8,18,284 | 8,75,777 | 10,25,125 | 11,30,474 | 9,75,281 | 14,00,198 | 17,50,954 | 23,44,488 | 27,09,922 | 34,79,487 |
| Bills for Collection | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 65,333 | 70,680 | 82,470 |
| Book Value per Share | 358.21 | 422.33 | 564.29 | 321.63 | 380.59 | 445.38 | 516.73 | 597.27 | 676.91 | 377.77 |
- Equity Capital
- 513
- 91,281
- 6,43,134
- 98,416
- Other Liabilities & Provisions
- 58,709
- Total Liabilities
- 8,92,344
- 37,911
- Balances with Banks & Money at Call
- 11,401
- 2,10,777
- 5,85,481
- 3,859
- 42,960
- Total Assets
- 8,92,344
- CASA Deposits
- 1,93,579
- CASA Ratio (%)
- 30.10
- Credit-Deposit Ratio (%)
- 91.04
- Contingent Liabilities
- 8,18,284
- Bills for Collection
- 0
- Book Value per Share
- 358.21
- CASA Deposits
- 1,93,579
- CASA Ratio (%)
- 30.10
- Credit-Deposit Ratio (%)
- 91.04
- Contingent Liabilities
- 8,18,284
- Bills for Collection
- 0
- Book Value per Share
- 358.21
- Equity Capital
- 519
- 1,09,080
- 7,88,375
- 1,56,442
- Other Liabilities & Provisions
- 48,413
- Total Liabilities
- 11,03,186
- 1,04,688
- Balances with Banks & Money at Call
- 18,373
- 2,38,461
- 7,00,034
- 3,855
- 37,819
- Total Assets
- 11,03,186
- CASA Deposits
- 2,23,797
- CASA Ratio (%)
- 28.39
- Credit-Deposit Ratio (%)
- 88.79
- Contingent Liabilities
- 8,75,777
- Bills for Collection
- 0
- Book Value per Share
- 422.33
- CASA Deposits
- 2,23,797
- CASA Ratio (%)
- 28.39
- Credit-Deposit Ratio (%)
- 88.79
- Contingent Liabilities
- 8,75,777
- Bills for Collection
- 0
- Book Value per Share
- 422.33
- Equity Capital
- 545
- 1,53,128
- 9,22,503
- 1,57,733
- Other Liabilities & Provisions
- 58,396
- Total Liabilities
- 12,92,806
- 46,805
- Balances with Banks & Money at Call
- 35,013
- 2,89,446
- 8,69,223
- 4,264
- 48,100
- Total Assets
- 12,92,806
- CASA Deposits
- 2,48,700
- CASA Ratio (%)
- 26.96
- Credit-Deposit Ratio (%)
- 94.22
- Contingent Liabilities
- 10,25,125
- Bills for Collection
- 0
- Book Value per Share
- 564.29
- CASA Deposits
- 2,48,700
- CASA Ratio (%)
- 26.96
- Credit-Deposit Ratio (%)
- 94.22
- Contingent Liabilities
- 10,25,125
- Bills for Collection
- 0
- Book Value per Share
- 564.29
- Equity Capital
- 548
- 1,75,810
- 11,46,207
- 1,86,834
- Other Liabilities & Provisions
- 70,854
- Total Liabilities
- 15,80,830
- 72,211
- Balances with Banks & Money at Call
- 15,729
- 3,89,305
- 10,43,671
- 4,671
- 55,288
- Total Assets
- 15,80,830
- CASA Deposits
- 3,10,377
- CASA Ratio (%)
- 27.08
- Credit-Deposit Ratio (%)
- 91.05
- Contingent Liabilities
- 11,30,474
- Bills for Collection
- 0
- Book Value per Share
- 321.63
- CASA Deposits
- 3,10,377
- CASA Ratio (%)
- 27.08
- Credit-Deposit Ratio (%)
- 91.05
- Contingent Liabilities
- 11,30,474
- Bills for Collection
- 0
- Book Value per Share
- 321.63
- Equity Capital
- 551
- 2,09,259
- 13,33,721
- 1,77,697
- Other Liabilities & Provisions
- 77,646
- Total Liabilities
- 17,99,507
- 97,370
- Balances with Banks & Money at Call
- 23,902
- 4,38,823
- 11,85,284
- 5,293
- 48,879
- Total Assets
- 17,99,507
- CASA Deposits
- 4,03,492
- CASA Ratio (%)
- 30.25
- Credit-Deposit Ratio (%)
- 88.87
- Contingent Liabilities
- 9,75,281
- Bills for Collection
- 0
- Book Value per Share
- 380.59
- CASA Deposits
- 4,03,492
- CASA Ratio (%)
- 30.25
- Credit-Deposit Ratio (%)
- 88.87
- Contingent Liabilities
- 9,75,281
- Bills for Collection
- 0
- Book Value per Share
- 380.59
- Equity Capital
- 555
- 2,46,431
- 15,58,003
- 2,26,966
- Other Liabilities & Provisions
- 89,918
- Total Liabilities
- 21,22,934
- 1,30,031
- Balances with Banks & Money at Call
- 25,355
- 4,49,264
- 14,20,942
- 6,476
- 90,910
- Total Assets
- 21,22,934
- CASA Deposits
- 5,11,737
- CASA Ratio (%)
- 32.85
- Credit-Deposit Ratio (%)
- 91.20
- Contingent Liabilities
- 14,00,198
- Bills for Collection
- 0
- Book Value per Share
- 445.38
- CASA Deposits
- 5,11,737
- CASA Ratio (%)
- 32.85
- Credit-Deposit Ratio (%)
- 91.20
- Contingent Liabilities
- 14,00,198
- Bills for Collection
- 0
- Book Value per Share
- 445.38
- Equity Capital
- 558
- 2,87,762
- 18,82,663
- 2,56,549
- Other Liabilities & Provisions
- 1,00,923
- Total Liabilities
- 25,30,432
- 1,17,189
- Balances with Banks & Money at Call
- 79,959
- 5,11,582
- 16,61,949
- 8,476
- 1,51,322
- Total Assets
- 25,30,432
- CASA Deposits
- 5,62,491
- CASA Ratio (%)
- 29.88
- Credit-Deposit Ratio (%)
- 88.28
- Contingent Liabilities
- 17,50,954
- Bills for Collection
- 0
- Book Value per Share
- 516.73
- CASA Deposits
- 5,62,491
- CASA Ratio (%)
- 29.88
- Credit-Deposit Ratio (%)
- 88.28
- Contingent Liabilities
- 17,50,954
- Bills for Collection
- 0
- Book Value per Share
- 516.73
- Equity Capital
- 760
- 4,52,983
- 23,76,887
- 7,30,615
- Other Liabilities & Provisions
- 4,52,913
- Total Liabilities
- 40,30,194
- 1,78,719
- Balances with Banks & Money at Call
- 50,116
- 10,05,682
- 25,71,917
- 12,604
- 2,11,158
- Total Assets
- 40,30,194
- CASA Deposits
- 5,98,744
- CASA Ratio (%)
- 25.19
- Credit-Deposit Ratio (%)
- 108.21
- Contingent Liabilities
- 23,44,488
- Bills for Collection
- 65,333
- Book Value per Share
- 597.27
- CASA Deposits
- 5,98,744
- CASA Ratio (%)
- 25.19
- Credit-Deposit Ratio (%)
- 108.21
- Contingent Liabilities
- 23,44,488
- Bills for Collection
- 65,333
- Book Value per Share
- 597.27
- Equity Capital
- 765
- 5,17,219
- 27,10,898
- 6,34,606
- Other Liabilities & Provisions
- 5,08,765
- Total Liabilities
- 43,92,417
- 1,44,390
- Balances with Banks & Money at Call
- 1,05,558
- 11,86,473
- 27,24,938
- 15,258
- 2,15,801
- Total Assets
- 43,92,417
- CASA Deposits
- 6,30,466
- CASA Ratio (%)
- 23.26
- Credit-Deposit Ratio (%)
- 100.52
- Contingent Liabilities
- 27,09,922
- Bills for Collection
- 70,680
- Book Value per Share
- 676.91
- CASA Deposits
- 6,30,466
- CASA Ratio (%)
- 23.26
- Credit-Deposit Ratio (%)
- 100.52
- Contingent Liabilities
- 27,09,922
- Bills for Collection
- 70,680
- Book Value per Share
- 676.91
- Equity Capital
- 1,539
- 5,79,975
- 30,99,638
- 5,88,485
- Other Liabilities & Provisions
- 6,11,474
- Total Liabilities
- 49,08,041
- 2,00,707
- Balances with Banks & Money at Call
- 1,11,219
- 12,80,216
- 30,50,783
- 16,492
- 2,48,624
- Total Assets
- 49,08,041
- CASA Deposits
- 7,05,800
- CASA Ratio (%)
- 22.77
- Credit-Deposit Ratio (%)
- 98.42
- Contingent Liabilities
- 34,79,487
- Bills for Collection
- 82,470
- Book Value per Share
- 377.77
- CASA Deposits
- 7,05,800
- CASA Ratio (%)
- 22.77
- Credit-Deposit Ratio (%)
- 98.42
- Contingent Liabilities
- 34,79,487
- Bills for Collection
- 82,470
- Book Value per Share
- 377.77
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 17,282 | 17,214 | -62,872 | -16,869 | 42,476 | -11,960 | 20,814 | 19,069 | 1,27,242 | 1,13,506 | |
| Cash from Investing | -1,148 | -852 | -1,598 | -1,617 | -1,681 | -2,216 | -3,424 | 5,314 | -3,851 | 6,363 |
| Cash from Financing | -5,893 | 57,378 | 23,131 | 24,394 | -7,321 | 48,124 | 23,941 | -3,983 | -1,02,478 | -59,005 |
| 10,241 | 73,740 | -41,339 | 5,908 | 33,474 | 33,948 | 41,330 | 20,400 | 20,914 | 60,864 |
- 17,282
- Cash from Investing
- -1,148
- Cash from Financing
- -5,893
- 10,241
- 17,214
- Cash from Investing
- -852
- Cash from Financing
- 57,378
- 73,740
- -62,872
- Cash from Investing
- -1,598
- Cash from Financing
- 23,131
- -41,339
- -16,869
- Cash from Investing
- -1,617
- Cash from Financing
- 24,394
- 5,908
- 42,476
- Cash from Investing
- -1,681
- Cash from Financing
- -7,321
- 33,474
- -11,960
- Cash from Investing
- -2,216
- Cash from Financing
- 48,124
- 33,948
- 20,814
- Cash from Investing
- -3,424
- Cash from Financing
- 23,941
- 41,330
- 19,069
- Cash from Investing
- 5,314
- Cash from Financing
- -3,983
- 20,400
- 1,27,242
- Cash from Investing
- -3,851
- Cash from Financing
- -1,02,478
- 20,914
- 1,13,506
- Cash from Investing
- 6,363
- Cash from Financing
- -59,005
- 60,864
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 59.63 | 71.33 | 82.00 | 49.70 | 57.74 | 68.62 | 82.44 | 84.33 | 92.51 | 49.39 |
| Book Value (₹) | 358.21 | 422.33 | 564.29 | 321.63 | 380.59 | 445.38 | 516.73 | 597.27 | 676.91 | 377.77 |
| Dividend per Share (₹) | 11.00 | 13.00 | 15.00 | 2.50 | 6.50 | 15.50 | 19.00 | 19.50 | 22.00 | 15.50 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Net Interest Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.40% | 3.66% | 3.51% |
| ROA % | 1.85% | 1.86% | 1.87% | 1.90% | 1.88% | 1.95% | 1.98% | 2.00% | 1.74% | 1.70% |
| ROE % | 18.41% | 18.43% | 17.05% | 16.54% | 16.50% | 16.70% | 17.24% | 17.64% | 15.12% | 14.41% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 59.98% | 61.53% | 58.45% | |
| ASSET QUALITY | - | - | - | - | - | - | - | - | - | - |
| Gross NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net NPA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Provision Coverage % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Slippage Ratio % | — | — | — | — | — | — | — | — | — | — |
| BALANCE SHEET & LIQUIDITY | - | - | - | - | - | - | - | - | - | - |
| CASA % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 38.14% | 34.74% | 34.07% |
| Credit-Deposit Ratio % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.23% | 0.19% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| GROWTH & VALUATION | - | - | - | - | - | - | - | - | - | - |
| Net Profit Growth % | 19.27% | 21.41% | 20.93% | 21.61% | 16.71% | 19.76% | 20.96% | 41.82% | 12.21% | 7.87% |
| Book Value Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 15.59% | 13.33% | -44.19% |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 17.17x | 9.88x | 14.82x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.42x | 2.70x | 1.94x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.35% | 1.20% | 2.12% |
- EPS (₹)
- 59.63
- Book Value (₹)
- 358.21
- Dividend per Share (₹)
- 11.00
- Net Interest Margin %
- 0.00%
- ROA %
- 1.85%
- ROE %
- 18.41%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 19.27%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 71.33
- Book Value (₹)
- 422.33
- Dividend per Share (₹)
- 13.00
- Net Interest Margin %
- 0.00%
- ROA %
- 1.86%
- ROE %
- 18.43%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 21.41%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 82.00
- Book Value (₹)
- 564.29
- Dividend per Share (₹)
- 15.00
- Net Interest Margin %
- 0.00%
- ROA %
- 1.87%
- ROE %
- 17.05%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 20.93%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 49.70
- Book Value (₹)
- 321.63
- Dividend per Share (₹)
- 2.50
- Net Interest Margin %
- 0.00%
- ROA %
- 1.90%
- ROE %
- 16.54%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 21.61%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 57.74
- Book Value (₹)
- 380.59
- Dividend per Share (₹)
- 6.50
- Net Interest Margin %
- 0.00%
- ROA %
- 1.88%
- ROE %
- 16.50%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 16.71%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 68.62
- Book Value (₹)
- 445.38
- Dividend per Share (₹)
- 15.50
- Net Interest Margin %
- 0.00%
- ROA %
- 1.95%
- ROE %
- 16.70%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 19.76%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 82.44
- Book Value (₹)
- 516.73
- Dividend per Share (₹)
- 19.00
- Net Interest Margin %
- 0.00%
- ROA %
- 1.98%
- ROE %
- 17.24%
- 0.00%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 0.00%
- Credit-Deposit Ratio %
- 0.00%
- 0.00%
- Net Profit Growth %
- 20.96%
- Book Value Growth %
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- 0.00%
- EPS (₹)
- 84.33
- Book Value (₹)
- 597.27
- Dividend per Share (₹)
- 19.50
- Net Interest Margin %
- 3.40%
- ROA %
- 2.00%
- ROE %
- 17.64%
- 59.98%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 38.14%
- Credit-Deposit Ratio %
- 0.31%
- 0.00%
- Net Profit Growth %
- 41.82%
- Book Value Growth %
- 15.59%
- P/E (x)
- 17.17x
- P/B (x)
- 2.42x
- 1.35%
- EPS (₹)
- 92.51
- Book Value (₹)
- 676.91
- Dividend per Share (₹)
- 22.00
- Net Interest Margin %
- 3.66%
- ROA %
- 1.74%
- ROE %
- 15.12%
- 61.53%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 34.74%
- Credit-Deposit Ratio %
- 0.23%
- 0.00%
- Net Profit Growth %
- 12.21%
- Book Value Growth %
- 13.33%
- P/E (x)
- 9.88x
- P/B (x)
- 2.70x
- 1.20%
- EPS (₹)
- 49.39
- Book Value (₹)
- 377.77
- Dividend per Share (₹)
- 15.50
- Net Interest Margin %
- 3.51%
- ROA %
- 1.70%
- ROE %
- 14.41%
- 58.45%
- Gross NPA %
- 0.00%
- Net NPA %
- 0.00%
- Provision Coverage %
- 0.00%
- Slippage Ratio %
- —
- CASA %
- 34.07%
- Credit-Deposit Ratio %
- 0.19%
- 0.00%
- Net Profit Growth %
- 7.87%
- Book Value Growth %
- -44.19%
- P/E (x)
- 14.82x
- P/B (x)
- 1.94x
- 2.12%
Documents
Announcements
- Credit Rating
2026-08-20 - HDFC Bank Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-08-19 - HDFC Bank Limited has informed the Exchange about Credit Rating
Annual Reports
Nothing filed yet.
Credit Ratings
- Credit Rating
2026-08-20 - HDFC Bank Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-08-19 - HDFC Bank Limited has informed the Exchange about Credit Rating
- Credit Rating
2026-03-18 - HDFC Bank Limited has informed the Exchange about Credit Rating
Concalls
Jul 2026
Apr 2026
Mar 2026

