HDFC Bank Ltd.

725.050.7%

2026-08-20

hdfc.bank.inBSE: 500180NSE: HDFCBANK
Market Cap₹ 11,09,832 Cr.
Current Price₹ 725
High / Low₹ 1,020 / 715
Stock P/E14.0
Book Value₹ 390
Price to Book1.94
Dividend Yield2.15 %
ROCE12.8 %
ROE14.4 %
Face Value₹ 1

Add ratio to table

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.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.HDFCBANK720.1514.051109831.872.15203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1401.8017.941006008.510.8616209.7412.6252240.856.4416.5132.39
3.KOTAKBANK392.0519.21389986.670.175487.0623.8918354.576.4112.0519.05
4.AXISBANK1232.3513.81383618.900.087656.5122.3135541.969.8711.0463.88
5.FEDERALBNK359.4518.9788849.290.331297.6137.067861.589.9410.9866.11
6.IDBI80.729.3186793.390.002130.575.277549.287.4414.7676.80
7.AUBANK1071.3044.1280340.090.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK1011.9559.6378845.130.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB85.2031.8773452.790.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.7118.8871281.660.001071.8132.538054.495.928.0458.47
11.RBLBANK381.0065.6959059.120.262342.30993.4138402.401015.976.4940.95
12.KARURVYSYA331.200.0032017.550.79755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
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
Sep 2023
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
Dec 2023
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
Mar 2024
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
Jun 2024
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
Sep 2024
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
Dec 2024
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
Mar 2025
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
Jun 2025
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
Sep 2025
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
Dec 2025
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
Mar 2026
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
Jun 2026
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
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 %
Mar 2018
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 %
Mar 2019
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 %
Mar 2020
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 %
Mar 2021
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 %
Mar 2022
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 %
Mar 2023
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 %
Mar 2024
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 %
Mar 2025
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 %
Mar 2026
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 %
TTM
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

Corporate actions

2025

Aug 26

1:1

Quarterly Results & Interim Dividend & Bonus issue

Mar 2017
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
Mar 2018
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
Mar 2019
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
Mar 2020
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
Mar 2021
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
Mar 2022
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
Mar 2023
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
Mar 2024
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
Mar 2025
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
Mar 2026
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
17,282
Cash from Investing
-1,148
Cash from Financing
-5,893
10,241
Mar 2018
17,214
Cash from Investing
-852
Cash from Financing
57,378
73,740
Mar 2019
-62,872
Cash from Investing
-1,598
Cash from Financing
23,131
-41,339
Mar 2020
-16,869
Cash from Investing
-1,617
Cash from Financing
24,394
5,908
Mar 2021
42,476
Cash from Investing
-1,681
Cash from Financing
-7,321
33,474
Mar 2022
-11,960
Cash from Investing
-2,216
Cash from Financing
48,124
33,948
Mar 2023
20,814
Cash from Investing
-3,424
Cash from Financing
23,941
41,330
Mar 2024
19,069
Cash from Investing
5,314
Cash from Financing
-3,983
20,400
Mar 2025
1,27,242
Cash from Investing
-3,851
Cash from Financing
-1,02,478
20,914
Mar 2026
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
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%
Mar 2018
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%
Mar 2019
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%
Mar 2020
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%
Mar 2021
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%
Mar 2022
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%
Mar 2023
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%
Mar 2024
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%
Mar 2025
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%
Mar 2026
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%

Shareholding Pattern

Numbers in percentages

TRADES
Sep 2024
Promoters
0.00
48.00
35.05
Government
0.00
16.75
Dec 2024
Promoters
0.00
49.19
34.27
Government
0.00
16.33
Mar 2025
Promoters
0.00
48.28
35.64
Government
0.00
15.89
Jun 2025
Promoters
0.00
48.82
35.76
Government
0.00
15.21
Sep 2025
Promoters
0.00
48.37
36.06
Government
0.00
15.36
Dec 2025
Promoters
0.00
47.66
36.99
Government
0.00
15.14
Mar 2026
Promoters
0.00
44.04
40.13
Government
0.00
15.65
Jun 2026
Promoters
0.00
41.82
41.74
Government
0.00
16.26

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