Tag HDFC Bank Ltd

HDFC Bank Ltd.
HDFC Bank Q3 Results: Net Profit ₹17,616 Cr, Strong Retail & Digital Focus

Business and Industry Overview: 

HDFC Bank is the biggest private bank in India. It started in 1994 and began working in 1995. Its main office is in Mumbai, Maharashtra. In 2023, HDFC Bank joined with its parent company, HDFC Ltd. This made it one of the biggest banks in the world by value. The bank gives many services to people and businesses. It gives savings accounts, current accounts, fixed deposits, debit cards, credit cards, home loans, car loans, personal loans, education loans, and business loans. It also offers internet banking, mobile banking, insurance, mutual funds, and other investment services. The bank has many branches and ATMs in different parts of India. It is known for good customer service and strong digital banking. As of March 2025, the bank had ₹27.15 trillion in deposits. It gave loans worth ₹26.44 trillion. The bank is growing fast after the merger. The CEO and MD of the bank is Sashidhar Jagdishan. The Reserve Bank of India said HDFC Bank is very important for the Indian economy. 

Latest Stock News: 

On April 15, 2025, HDFC Bank’s share price went up by 4%. It reached ₹1,876.80, the highest since December 2024. This happened because the bank reduced savings deposit rates by 0.25%. This step may help the bank earn more profit as loan growth is becoming slow. On April 19, 2025, the bank shared its results for the March 2025 quarter. The bank made a profit of ₹176.16 billion. This profit was more than what experts expected. The bank’s net interest income became ₹320.7 billion. This is 4.6% higher than before. The bank’s asset quality also improved. Its gross bad loans went down to 1.33% from 1.42% last quarter. Experts say the bank will earn more profit in the coming months because of the rate cut. The stock price is good because investors are happy with the bank’s steps. 

Business Segments: 

  1. Retail Banking. This part helps people like salaried workers, small shop owners, and NRIs (Indians living in other countries). It gives services like savings and current accounts, personal loans, car loans, credit cards, and mobile or internet banking. HDFC Bank is very strong in personal and car loans. It is also a leader in digital payments. 
  1. Wholesale Banking. This part helps big companies, small and medium businesses, and government agencies. It gives business loans, current accounts, trade finance, cash management, tax payment help, and business cards. This part supports many business needs. 
  1. Treasury. This part handles the bank’s own money. It manages the bank’s investments, foreign money work (like currency exchange), and money market work. It helps the bank earn profit from its funds and also keeps the bank safe from interest rate changes. 

These three parts help the bank provide many services to many different types of customers all over India. 

Subsidiary information: 

HDFC Bank has several subsidiaries that offer different financial services: 

  1. HDB Financial Services Limited – Provides loans for personal needs, business, and vehicles. 
  1. HDFC Securities Limited – Helps people buy and sell stocks and investments. 
  1. HDFC Asset Management Company Limited (HDFC AMC) – Manages mutual funds and other investment products. 
  1. HDFC ERGO General Insurance Company Limited – Offers insurance for health, cars, homes, and more. 
  1. HDFC Life Insurance Company Limited – Provides life insurance plans, including term and endowment plans. 
  1. HDFC Capital Advisors Limited – Works with private investments and real estate. 
  1. HDFC Credila Financial Services Limited – Offers education loans to students. 
  1. HDFC International Life and Re Company Limited – Provides life reinsurance solutions in the UAE. 
     

Q4 Highlights: 

  • Net Profit: ₹17,616 crore, a 6.6% increase from ₹16,512 crore last year. 
  • Total Income: ₹89,488 crore, slightly lower than ₹89,639 crore last year. 
  • Interest Income: ₹77,460 crore, up from ₹71,473 crore last year. 
  • Dividend: The bank will pay ₹22 per share for the year ending March 31, 2025. 
  • Gross NPAs went up to 1.33% of loans, from 1.24% last year. 
  • Net NPAs rose to 0.43%, from 0.33% last year. 
  • Consolidated Net Profit: ₹18,835 crore, a 6.8% increase from ₹17,622 crore last year. 
  • Capital Adequacy Ratio (CAR): 19.6% as of March 31, 2025. 
  • Total Balance Sheet Size: ₹39.10 lakh crore, up from ₹36.17 lakh crore last year. 

Financial Summary: 

Amount in ₹ Crore Q4 FY24 Q4 FY25 FY24 FY25 
Revenue 2,419.28 2,590.10 9,994.42 10,345.10 
Expenses 2,678.37 2,525.00 9,961.60 9,800.00 
EBITDA -259.09 350 -664.2 820 
Operating Margin (OPM) -10.71% 13.50% -6.65% 7.90% 
Net Profit / (Loss) -95.95 738 -253.75 2,520.00 
Net Profit Margin (NPM) -3.97% 28.50% -2.54% 24.40% 
Earnings Per Share (EPS) -0.93 1.05 -2.45 6.50