HDFC Bank Ltd

Total income shed marginally to Rs 89,487.99 crore in Q4 FY25, down 0.17%, compared to Rs 89,639 crore reported in the same period a year ago. The profit before tax for the quarter stood at Rs 23,343.65 crore, registering a 48.09% increase compared to Rs 15,762.60 crore reported in Q4 FY24. Net interest income (NII) grew by 10.28% to Rs 32,070 crore in Q4 FY25 as compared to Rs 29,080 crore recorded in Q4 FY24. The core net interest margin was at 3.46% on total assets and 3.65% based on interest-earning assets in Q4 FY25. As of 31 March 2025, the bank's average deposits stood at Rs 25,28,000 crore, registering a 15.8% increase compared to Rs 21,83,600 crore as of 31 March 2024. Additionally, the bank's average CASA deposits grew by 5.7% YoY to Rs 8,28,900 crore in Q4 FY25. Gross advances stood at Rs 26,43,500 crore as of 31 March 2025, registering a growth of 5.4% YoY. Retail loans jumped 9%, commercial and rural banking loans grew by 12.8%, and corporate and other wholesale loans declined by 3.6%. Overseas advances constituted 1.7% of total advances. On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 35,222.64 crore as of 31 March 2025, as against Rs 36,018.58 crore as of 31 December 2024 and Rs 31,173.32 crore as of 31 March 2024. The ratio of gross NPAs to gross advances declined to 1.33% as of 31 March 2025, from 1.42% as of 31 December 2024, but remained higher than 1.24% as of 31 March 2024. The ratio of net NPAs to net advances stood at 0.43% as of 31 March 2025, compared to 0.46% as of 31 December 2024 and 0.33% as of 31 March 2024. Pre-provision operating profit (PPOP) slipped 9.35% YoY to Rs 26,536.70 crore during the quarter ended 31 March 2025. The bank's total Capital Adequacy Ratio (CAR) as per Basel III guidelines stood at 19.6% as of 31 March 2025, up from 18.8% as of 31 March 2024, and well above the regulatory requirement of 11.7%. Tier 1 CAR stood at 17.7%, while the Common Equity Tier 1 (CET1) Capital Ratio was 17.2% as of 31 March 2025. The bank's risk-weighted assets amounted to Rs 26,60,000 crore. On a full-year basis, the bank's standalone net profit rose 10.74% to Rs 67,347.36 crore on a 12.53% jump in total income to Rs 3,46,149.32 crore in FY25 over FY24. Meanwhile, the company's board has recommended a dividend of Rs 22 per equity share for FY 2024'25, subject to shareholders' approval. The record date for determining the eligibility of members entitled to receive the dividend is Friday, 27 June 2025. Further, the company's board approved the issuance of perpetual debt instruments (part of additional tier I capital), tier II capital bonds and long-term bonds (financing of infrastructure and affordable housing) up to total amount of Rs 60,000 crore during the period of next twelve months from the date of shareholders' approval through private placement mode. HDFC Bank is a private sector lender. As of 31 March 2025, the bank's distribution network was at 9,455 branches and 21,139 ATMs across 4,150 cities/towns, as against 8,738 branches and 20,938 ATMs across 4,065 cities/towns as of 31 March 2024. Powered by Capital Market - Live

Total income shed marginally to Rs 89,487.99 crore in Q4 FY25, compared to Rs 89,639 crore reported in the same period a year ago. The profit before tax for the quarter stood at Rs 23,343.65 crore, registering a 48.09% increase compared to Rs 15,762.60 crore reported in Q4 FY24. Net interest income (NII) grew by 10.28% to Rs 32,070 crore in Q4 FY25 as compared to Rs 29,080 crore recorded in Q4 FY24. The core net interest margin was at 3.46% on total assets and 3.65% based on interest-earning assets in Q4 FY25. As of 31 March 2025, the bank's average deposits stood at Rs 25,28,000 crore, registering a 15.8% increase compared to Rs 21,83,600 crore as of 31 March 2024. Additionally, the bank's average CASA deposits grew by 5.7% YoY to Rs 8,28,900 crore in Q4 FY25. Gross advances stood at Rs 26,43,500 crore as of 31 March 2025, registering a growth of 5.4% YoY. Retail loans jumped 9%, commercial and rural banking loans grew by 12.8%, and corporate and other wholesale loans declined by 3.6%. Overseas advances constituted 1.7% of total advances. On the asset quality front, the bank's gross non-performing assets (NPAs) stood at Rs 35,222.64 crore as of 31 March 2025, as against Rs 36,018.58 crore as of 31 December 2024 and Rs 31,173.32 crore as of 31 March 2024. The ratio of gross NPAs to gross advances declined to 1.33% as of 31 March 2025, from 1.42% as of 31 December 2024, but remained higher than 1.24% as of 31 March 2024. The ratio of net NPAs to net advances stood at 0.43% as of 31 March 2025, compared to 0.46% as of 31 December 2024 and 0.33% as of 31 March 2024. Pre-provision operating profit (PPOP) slipped 9.35% YoY to Rs 26,536.70 crore during the quarter ended 31 March 2025. The bank's total Capital Adequacy Ratio (CAR) as per Basel III guidelines stood at 19.6% as of 31 March 2025, up from 18.8% as of 31 March 2024, and well above the regulatory requirement of 11.7%. Tier 1 CAR stood at 17.7%, while the Common Equity Tier 1 (CET1) Capital Ratio was 17.2% as of 31 March 2025. The bank's risk-weighted assets amounted to Rs 26,60,000 crore. On a full-year basis, the bank's standalone net profit rose 10.74% to Rs 67,347.36 crore on a 12.53% jump in total income to Rs 3,46,149.32 crore in FY25 over FY24. Meanwhile, the company's board has recommended a dividend of Rs 22 per equity share for FY 2024'25, subject to shareholders' approval. The record date for determining the eligibility of members entitled to receive the dividend is Friday, 27 June 2025. HDFC Bank is a private sector lender. As of 31 December 2024, the bank's distribution network was at 9,455 branches and 21,139 ATMs across 4,150 cities/towns, as against 8,738 branches and 20,938 ATMs across 4,065 cities/towns as of 31 March 2024. The scrip advanced 1.53% to end at Rs 1,906.55 on Thursday, 17 April 2025. Powered by Capital Market - Live

HDFC Bank announced that the Board of Directors of the Company at its meeting held on 19 April 2025, inter alia, have recommended the final dividend of Rs 22 per equity Share (i.e. 2200%) , subject to the approval of the shareholders.Powered by Capital Market - Live

Net profit of HDFC Bank rose 6.88% to Rs 18834.88 crore in the quarter ended March 2025 as against Rs 17622.38 crore during the previous quarter ended March 2024. Total Operating Income rose 9.25% to Rs 86779.34 crore in the quarter ended March 2025 as against Rs 79433.61 crore during the previous quarter ended March 2024. For the full year,net profit rose 10.51% to Rs 70792.25 crore in the year ended March 2025 as against Rs 64062.04 crore during the previous year ended March 2024. Total Operating Income rose 18.59% to Rs 336367.43 crore in the year ended March 2025 as against Rs 283649.02 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Total Operating Income86779.3479433.61 9 336367.43283649.02 19 OPM %45.0220.77 -43.2837.50 - PBDT25573.3917761.39 44 96242.0576568.60 26 PBT25573.3917761.39 44 96242.0576568.60 26 NP18834.8817622.38 7 70792.2564062.04 11 Powered by Capital Market - Live

HDFC Bank has fixed 27 June 2025 as record date for dividend of Rs 22 per equity share of Re 1 each for FY 2024-25. Powered by Capital Market - Live

The Nifty April 2025 futures closed at 23,364.40, a premium of 35.85 points compared with the Nifty's closing at 23,328.55 in the cash market. In the cash market, the Nifty 50 jumped 500 points or 2.19% to 23,328.55. The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, slipped 19.80% to 16.13. HDFC Bank, Infosys and ICICI Bank were the top trading individual stock futures contracts in the F&O segment of the NSE. The April 2025 F&O contracts will expire on 24 April 2025.Powered by Capital Market - Live

The bank's period end deposits jumped 14.1% to Rs 27,14,500 crore as of 31st March 2025 as compared with Rs 23,79,800 crore as of 31st March 2024. The bank's average advances under management (advances grossing up for inter-bank participation certificates, bills rediscounted and securitization/assignment) stood at Rs 26,95,500 crore as of 31st March 2025, registering the growth of around 7.3% as compared with Rs 25,12,500 crore as of 31st March 2024. The Bank's period end advances under management (advances grossing up for inter-bank participation certificates, bills rediscounted and securitisation / assignment) increased 7.7% to Rs 27,73,500 crore as of 31st March 2025 as compared with Rs 25,75,800 crore as of 31st March 2024. The bank's average CASA deposits stood at Rs 8,28,900 crore as of 31st March 2025, registering the growth of 5.7% as against 7,84,400 crore as of 31st March 2024. The bank's period end CASA deposits increased 3.9% to Rs 9,44,500 crore as of 31st March 2025 as compared with Rs 9,08,800 crore as of 31st March 2024. HDFC Bank is private sector lender As of 31st December 2024, the Bank's distribution network was at 9,143 branches and 21,049 ATMs across 4,101 cities / towns as against 8,091 branches and 20,688 ATMS across 3,872 cities / towns as of 31st December 2023. The bank reported 2.21% increase in standalone net profit to Rs 16,735.50 crore in Q3 FY25 as against Rs 16,372.54 crore posted in Q3 FY24. Total income rose 7.02% YoY to Rs 87,460.44 crore in the quarter ended 31 December 2024.Powered by Capital Market - Live

Stocks to Watch: HDFC Bank's average deposits jumped 15.8% YoY to Rs 25,27,900 crore as of 31st March 2025. Average advances under management increased 7.3% YoY to Rs 2,95,500 crore as of 31st March 2025. Bajaj Finance's deposits book stood at approximately Rs 71,400 crore as of 31 March 2025 as compared to Rs 60,151 crore as of 31 March 2024, registering a growth of 19%. Asser under management (AUM) jumped 26% to approximately Rs 4,16,750 crore as of 31st March 2025. In Q4 FY25, AUM grew by approximately Rs 18,700 crore. RBL Bank's total deposits increased 7% to Rs 1,10,942 crore of 31st March 2025 as compared with Rs 106,494 crore as of 31st March 2024. Gross advances increased 11% YoY to Rs 94,973 crore as of 31st March 2025. Alivus Life Sciences said the US Food and Drug Administration (US FDA) conducted an inspection at the company's API manufacturing facility in Ankleshwar, Gujarat, during January 27-31, 2025. Post-inspection, the USFDA issued an Establishment Inspection Report with a Voluntary Action Indicated status for the said manufacturing facility. Ultratech Cement's board approved the acquisition of 6.42 crore equity shares of Wonder WallCare, for an enterprise value of up to Rs 235 crore. The company has executed a share purchase agreement with Wonder Cement and Kushal Sogani for acquiring a stake in Wonder WallCare. After the acquisition, Wonder WallCare will become a wholly-owned subsidiary of the company. Paras Defence and Technologies has signed a strategic Memorandum of Understanding (MoU) with Israel-based MicroCon Vision (part of Controp and the Rafael Group). This collaboration will position Paras Defence as the exclusive supplier of advanced drone camera technology in India, at a much lower cost. Nestle India laid the foundation stones for its upcoming factory in Khordha, Odisha, which is slated to be its tenth factory in India. The factory will be set up with an initial investment of Rs 900 crore in its first phase.Powered by Capital Market - Live

The Nifty March 2025 futures closed at 23,665.15, a premium of 3.5 points compared with the Nifty's closing 23,668.65 in the cash market. In the cash market, the Nifty 50 jumped 10.30 points or 0.04% to 23,668.65. The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, shed 0.47% to 13.64. HDFC Bank, Reliance Industries (RIL) and ICICI Bank were the top trading individual stock futures contracts in the F&O segment of the NSE. The March 2025 F&O contracts will expire on 27 March 2025.Powered by Capital Market - Live

HDFC Bank will hold a meeting of the Board of Directors of the Company on 19 April 2025.Powered by Capital Market - Live