HDFC Bank Ltd., India’s largest personal sector financial institution, for the fourth quarter reported 7% development in standalone internet revenue at ₹17,616 crore following a ten.3% Year on Year (YoY) development in Net Interest Income (NII) at ₹32,070 crore within the quarter.
Profit after tax for the yr ended March 31, 2025 was ₹67,350 crore, up by 10.7% YoY.
The Board of Directors have really helpful a dividend of ₹22 per fairness share of ₹1 for the yr ended March 31, 2025.
The consolidated revenue after tax for the quarter grew to ₹18,835 crore, up 7% YoY. The consolidated PAT for the yr ended March 31, 2025 was ₹70,792 crore, up 10.5% YoY.
Net curiosity margin for the quarter was at 3.54% on complete property, and three.73% based mostly on curiosity incomes property.
Excluding ₹700 crore of curiosity on earnings tax refund, core internet curiosity margin was at 3.46% on complete property, and three.65% based mostly on curiosity incomes property, the financial institution mentioned in a submitting.
Gross advances had been at ₹26,43500 crore as of March 31, 2025, a rise of 5.4% YoY
Advances below administration grew by 7.7% over March 31, 2024. Retail loans grew by 9% industrial and rural banking loans grew by 12.8% and company and different wholesale loans had been decrease by 3.6%. Overseas advances constituted 1.7% of complete advances.
Speaking over a convention name the financial institution’s Chief Financial Officer Srinivasan Vaidyanathan mentioned mortgage development in FY26 could be comparable as that of the earlier yr and there could be extra alternative to develop the retail mortgage portfolio due to decrease penetration ranges within the nation.
He mentioned since corporates had been tapping the capital marketplace for monetary assets, there could be extra scope in retail lending and within the SME section.
He mentioned contemplating present risky scenario due to the tariff struggle corporates had been adopting wait and watch method. “We acknowledge the volatile situation and remain watchful,” Mr Vaidyanathan mentioned.
On mortgage loans he mentioned not a lot stock construct up is occurring within the center and decrease [affordable] section as “inflation has consumed the disposable income [of this segment of borrowers].
“But inventory is available in the middle to high segment and loan demand is there,” he mentioned.
The Bank’s common deposits had been ₹ 25,28000 crore for the March 2025 quarter, a development of 15.8% YoY.
Mr. Vaidyanathan mentioned the financial institution’s credit score deposit (CD) ratio for FY25 was 96.5% as towards 100% within the earlier yr. It is predicted to be within the vary of 85% to 90% in FY27 and would attain the pre-merger stage.
Total deposits had been at ₹27,14700 crore as of March 31, 2025, a rise of 14.1% over March 31, 2024.
Provisions and contingencies for the quarter ended March 31, 2025 had been ₹3,190 crore as towards ₹13510 crore (which included floating provisions of ₹10,900 crore) for the quarter ended March 31, 2024.
The Bank’s complete Capital Adequacy Ratio (CAR) as per Basel III tips was at 19.6% as on March 31, 2025 (18.8% as on March 31, 2024) as towards a regulatory requirement of 11.7%.
Gross non-performing property at ₹35,223 crore [as compared with ₹31,173 crore a year ago] had been at 1.33% of gross advances as on March 31, 2025 (1.13% excluding NPAs within the agricultural section) and 1.24% as on March 31, 2024 (1.12% excluding NPAs within the agricultural section).
Net non-performing property at ₹11,320 crore as towards ₹8,092 crore a yr in the past, had been at 0.43% of internet advances as on March 31, 2025.
Published – April 19, 2025 09:15 pm IST
