Jun-24 | Sep-24 | Dec-24 | Mar-25 | Jun-25 | Sep-25 | |
Retail | 14,072 | 14,478 | 14,727 | 15,164 | 15,215 | 15,554 |
Mortgages | 7,880 | 8,028 | 8,171 | 8,357 | 8,428 | 8,565 |
Personal Loans | 1,859 | 1,896 | 1,944 | 1,993 | 2,016 | 2,063 |
Auto | 1,330 | 1,375 | 1,399 | 1,457 | 1,483 | 1,515 |
Payment Business | 1,034 | 1,097 | 1,123 | 1,136 | 1,135 | 1,148 |
Agri | 1,001 | 1,081 | 1,076 | 1,184 | 1,153 | 1,234 |
Two Wheelers | 120 | 125 | 122 | 124 | 120 | 125 |
Gold Loans | 149 | 159 | 167 | 177 | 189 | 201 |
Other Retail | 698 | 717 | 725 | 736 | 691 | 703 |
Small and mid-market | 4,715 | 4,888 | 5,114 | 5,391 | 5,523 | 5,718 |
Business Banking | 3,299 | 3,439 | 3,629 | 3,827 | 3,944 | 4,107 |
Commercial Transportation | 1,416 | 1,449 | 1,485 | 1,564 | 1,578 | 1,612 |
Corporate and other wholesale | 6,963 | 6,968 | 6,998 | 7,177 | 7,082 | 7,416 |
Advances under management | 25,750 | 26,334 | 26,839 | 27,733 | 27,820 | 28,688 |
IBPC/BRDS/Securitisation | (881) | (1,144) | (1,413) | (1,298) | (1,288) | (997) |
Gross Advances | 24,869 | 25,190 | 25,426 | 26,435 | 26,532 | 27,692 |
HDFC BANK | 30-Sep-24 | 30-Jun-25 | 30-Sep-25 |
Yield on assets (%) | 8.3 | 8.1 | 7.8 |
Cost of funds (incl. shareholders' funds) (%) | 4.9 | 4.8 | 4.6 |
Net Interest Margin - assets (%) | 3.5 | 3.4 | 3.3 |
Net Interest Margin - interest earning assets (%) | 3.7 | 3.5 | 3.4 |
NII as a % of net revenue | 72% | 71%* | 69% |
Wholesale fees as a % of fee income | 6% | 6% | 7% |
Retail fees as a % of fee income | 94% | 94% | 93% |
Retail liabilities fees as a % of fee income | 18% | 17% | 16% |
Third-party products related fees as a % of fee income | 24% | 22% | 24% |
Retail assets fees as a % of fee income | 18% | 19% | 19% |
Payments and cards business fees as a % of fee income | 34% | 36% | 34% |
Net revenue yield (%) | 4.8 | 4.7* | 4.8 |
Count of employees | 2,06,758 | 2,18,822 | 2,20,339 |
Credit costs as a % of advances | 0.43% | 0.56% | 0.51% |
Credit costs net of recoveries as a % of advances | 0.29% | 0.41% | 0.37% |
Growth in advances under management (YoY) ^ | 8.0% | 8.0% | 8.9% |
Retail advances | 12.1% | 8.1% | 7.4% |
Small and mid-market advances | 19.6% | 17.1% | 17.0% |
Corporate and other wholesale advances | -5.4% | 1.7% | 6.4% |
Growth in deposits (YoY) | 15.1% | 16.2% | 12.1% |
CASA deposits | 8.1% | 8.5% | 7.4% |
CA deposits | 11.2% | 11.5% | 7.6% |
SA deposits | 6.7% | 7.1% | 7.3% |
Term deposits | 19.3% | 20.6% | 14.6% |
CASA ratio | 35.3% | 33.9% | 33.9% |
Average retail mix of deposits | 84% | 82% | 83% |
Total GNPA as a ratio of customer assets | 1.35% | 1.38% | 1.22% |
Total GNPA as a ratio of gross advances | 1.36% | 1.40% | 1.24% |
Retail advances | 1.16% | 1.29% | 1.23% |
Retail advances (ex Agri) | 0.83% | 0.82% | 0.77% |
Other advances | 1.47% | 1.38% | 1.16% |
Total provisions as a % of advances | 2.41% | 2.71% | 2.61% |
Total provisions (ex. specific) as a % of advances | 1.45% | 1.78% | 1.78% |
Total provisions as a % of GNPA | 177% | 194% | 211% |
Specific PCR | 70% | 67% | 67% |
^ Gross of financing through IBPC/BRDS/Securitisation
* Net revenue excludes transactions gain of ₹ 91.3 bn
Note:
For Q1 FY26, Credit cost excludes floating provisions of ₹ 90 bn and contingent provisions of ₹ 17 bn
Certain figures reported above will not add-up due to rounding