Dec-24 | Mar-25 | Jun-25 | Sep-25 | Dec-25 | Mar-26 | |
Retail | 14,727 | 15,164 | 15,215 | 15,554 | 15,747 | 16,149 |
Mortgages | 8,171 | 8,357 | 8,428 | 8,565 | 8,707 | 8,887 |
Personal Loans | 1,944 | 1,993 | 2,016 | 2,063 | 2,117 | 2,178 |
Auto | 1,399 | 1,457 | 1,483 | 1,515 | 1,527 | 1,575 |
Payment Business | 1,123 | 1,136 | 1,135 | 1,148 | 1,136 | 1,138 |
Agri | 1,076 | 1,184 | 1,153 | 1,234 | 1,238 | 1,304 |
Two Wheelers | 122 | 124 | 120 | 125 | 119 | 119 |
Gold Loans | 167 | 177 | 189 | 201 | 215 | 237 |
Other Retail | 725 | 736 | 691 | 703 | 688 | 711 |
Small and mid-market | 5,114 | 5,391 | 5,523 | 5,718 | 5,996 | 6,316 |
Business Banking | 3,629 | 3,827 | 3,944 | 4,107 | 4,348 | 4,594 |
Commercial Transportation | 1,485 | 1,564 | 1,578 | 1,612 | 1,647 | 1,722 |
Corporate and other wholesale | 6,998 | 7,177 | 7,082 | 7,416 | 7,717 | 8,108 |
Advances under management | 26,839 | 27,733 | 27,820 | 28,688 | 29,460 | 30,573 |
IBPC/BRDS/Securitisation | (1,413) | (1,298) | (1,288) | (997) | (1,015) | (973) |
Gross Advances | 25,426 | 26,435 | 26,532 | 27,692 | 28,446 | 29,600 |
HDFC BANK | 31-Mar-25 | 31-Dec-25 | 31-Mar-26 |
Yield on assets (%) | 8.4 | 7.8 | 7.8 |
Cost of funds (incl. shareholders' funds) (%) | 4.9 | 4.5 | 4.4 |
Net Interest Margin - assets (%) | 3.5 | 3.4 | 3.4 |
Net Interest Margin - interest earning assets (%) | 3.7 | 3.5 | 3.5 |
NII as a % of net revenue | 73% | 71% | 71% |
Wholesale fees as a % of fee income | 6% | 6% | 6% |
Retail fees as a % of fee income | 94% | 94% | 94% |
Retail liabilities fees as a % of fee income | 13% | 17% | 17% |
Third-party products related fees as a % of fee income | 28% | 23% | 25% |
Retail assets fees as a % of fee income | 18% | 19% | 20% |
Payments and cards business fees as a % of fee income | 35% | 35% | 32% |
Net revenue yield (%) | 4.9 | 4.7 | 4.7 |
Count of employees | 2,14,521 | 2,15,739 | 2,11,178 |
Credit costs as a % of advances | 0.48% | 0.55%* | 0.35% |
Credit costs net of recoveries as a % of advances | 0.29% | 0.41%* | 0.21% |
Growth in advances under management (YoY) ^ | 7.7% | 9.8% | 10.2% |
Retail advances | 8.9% | 6.9% | 6.5% |
Small and mid-market advances | 17.4% | 17.2% | 17.2% |
Corporate and other wholesale advances | (0.9%) | 10.3% | 13.0% |
Growth in deposits (YoY) | 14.1% | 11.6% | 14.4% |
CASA deposits | 3.9% | 10.1% | 12.3% |
CA deposits | 1.3% | 12.1% | 12.9% |
SA deposits | 5.3% | 9.3% | 11.9% |
Term deposits | 20.3% | 12.3% | 15.5% |
CASA ratio | 34.8% | 33.6% | 34.1% |
Average retail mix of deposits | 83% | 83% | 82% |
Total GNPA as a ratio of customer assets | 1.32% | 1.22% | 1.13% |
Total GNPA as a ratio of gross advances | 1.33% | 1.24% | 1.15% |
Retail advances | 1.19% | 1.24% | 1.15% |
Retail advances (ex Agri) | 0.80% | 0.73% | 0.69% |
Other advances | 1.37% | 1.15% | 1.08% |
Total provisions as a % of advances | 2.29% | 2.52% | 2.42% |
Total provisions (ex. specific) as a % of advances | 1.39% | 1.71% | 1.64% |
Total provisions as a % of GNPA | 172% | 204% | 210% |
Specific PCR | 68% | 66% | 67% |
^ Gross of financing through IBPC/BRDS/Securitisation
* excludes release of provision in respect of large borrower group on fulfilment of condition
Note:
Certain figures reported above will not add-up due to rounding