HDFC Bank Ltd

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HDFC Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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HDFC Bank Ltd

₹ 739 -0.14%
22 Sep 4:01 p.m.
hdfcbank.com BSE: 500180 NSE: HDFCBANK F&O
About

HDFC Bank Limited (also known as HDFC) is an Indian banking and financial services company headquartered in Mumbai. It is India's largest private sector bank by assets and the world's tenth-largest bank by market capitalization as of May 2024.
As of April 2024, HDFC Bank has a market capitalization of $145 billion, making it the third-largest company on the Indian stock exchanges. [1]

Key Points

Market Position
The company is India's one of 3 systemically important banks with a 15% market share in the banking sector’s advances and a 37% market share in the private sector banks’ advances as of FY24. It is also the second-largest bank in India. [1] It is among the top 3 Government Banks collecting direct and indirect taxes for the Government of India. [2] It is a market leader in almost every asset category. [3]

Website BSE NSE F&O
  • Market Cap ₹ 11,38,524 Cr.
  • Current Price ₹ 739
  • High / Low ₹ 1,020 / 682
  • Stock P/E 15.1
  • Book Value ₹ 375
  • Dividend Yield 1.76 %
  • ROCE 6.92 %
  • ROE 14.0 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 19.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 27.1%

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.35,00,416 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
48,587 67,698 70,583 71,473 73,033 74,017 76,007 77,460 77,470 76,691 76,751 76,610 79,363
Interest 24,988 40,313 42,111 42,396 43,196 43,903 45,354 45,394 46,032 45,139 44,136 43,528 45,829
16,917 18,303 20,178 31,480 19,223 19,591 20,260 20,750 31,875 21,478 21,609 21,087 21,247
Financing Profit 6,682 9,082 8,294 -2,404 10,614 10,523 10,393 11,316 -438 10,073 11,006 11,994 12,287
Financing Margin % 14% 13% 12% -3% 15% 14% 14% 15% -1% 13% 14% 16% 15%
9,230 10,708 11,137 18,166 10,668 11,483 11,454 12,028 21,730 14,350 13,254 13,199 12,822
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 15,912 19,790 19,431 15,763 21,283 22,005 21,847 23,344 21,292 24,423 24,260 25,193 25,108
Tax % 25% 19% 16% -5% 24% 24% 23% 25% 15% 24% 23% 24% 24%
11,952 15,976 16,373 16,512 16,175 16,821 16,736 17,616 18,155 18,641 18,654 19,221 19,060
EPS in Rs 10.69 10.54 10.78 10.87 10.63 11.02 10.94 11.51 11.84 12.13 12.12 12.49 12.38
Gross NPA % 1.17% 1.34% 1.26% 1.24% 1.33% 1.36% 1.42% 1.33% 1.40% 1.24% 1.24% 1.15% 1.17%
Net NPA % 0.30% 0.35% 0.31% 0.33% 0.39% 0.41% 0.46% 0.43% 0.47% 0.42% 0.42% 0.38% 0.41%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
48,470 60,221 69,306 80,241 98,972 114,813 120,858 127,753 161,586 258,341 300,517 307,522 309,415
Interest 26,074 32,630 36,167 40,146 50,729 58,626 55,979 55,744 74,743 149,808 177,847 178,836 178,633
15,407 18,999 22,464 27,712 32,529 41,644 47,123 50,904 57,329 84,068 76,445 92,392 85,422
Financing Profit 6,989 8,592 10,676 12,383 15,714 14,542 17,757 21,105 29,513 24,464 46,225 36,294 45,360
Financing Margin % 14% 14% 15% 15% 16% 13% 15% 17% 18% 9% 15% 12% 15%
8,996 10,752 12,296 15,220 17,626 23,261 25,205 29,510 31,215 49,241 45,632 62,533 53,624
Depreciation 656 706 833 906 1,140 1,196 1,302 1,600 2,242 2,810 3,379 3,658 0
Profit before tax 15,329 18,638 22,139 26,697 32,200 36,607 41,659 49,015 58,485 70,895 88,478 95,169 98,985
Tax % 33% 34% 34% 34% 35% 28% 25% 25% 25% 14% 24% 22%
10,216 12,296 14,550 17,487 21,078 26,257 31,117 36,961 44,109 60,812 67,347 74,671 75,576
EPS in Rs 10.19 12.16 14.19 16.85 19.35 23.94 28.22 33.33 39.53 40.02 44.01 48.51 49.12
Dividend Payout % 20% 20% 19% 19% 19% 5% 12% 23% 24% 24% 25% 32%
Compounded Sales Growth
10 Years: 18%
5 Years: 21%
3 Years: 24%
TTM: 1%
Compounded Profit Growth
10 Years: 20%
5 Years: 19%
3 Years: 19%
TTM: 9%
Stock Price CAGR
10 Years: 8%
5 Years: -1%
3 Years: -1%
1 Year: -23%
Return on Equity
10 Years: 16%
5 Years: 15%
3 Years: 15%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 501 506 513 519 545 548 551 555 558 760 765 1,539
Reserves 61,508 72,172 88,950 105,776 148,662 170,438 203,170 239,538 279,641 439,486 500,659 561,362
Deposits 450,796 546,424 643,640 788,771 923,141 1,147,502 1,335,060 1,559,217 1,883,395 2,379,786 2,714,715 3,105,250
Borrowing 45,214 84,969 74,029 123,105 117,085 144,629 135,487 184,817 206,766 662,153 547,931 489,395
32,484 36,725 56,709 45,764 55,108 67,394 72,602 84,407 95,722 135,438 146,129 207,340
Total Liabilities 590,503 740,796 863,840 1,063,934 1,244,541 1,530,511 1,746,871 2,068,535 2,466,081 3,617,623 3,910,199 4,364,886
3,122 3,343 3,627 3,607 4,030 4,432 4,909 6,084 8,017 11,399 13,655 14,725
CWIP -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Investments 151,642 195,836 214,463 242,200 293,116 391,827 443,728 455,536 517,001 702,415 836,360 884,201
435,740 541,617 645,750 818,127 947,395 1,134,253 1,298,233 1,606,916 1,941,064 2,903,809 3,060,184 3,465,960
Total Assets 590,503 740,796 863,840 1,063,934 1,244,541 1,530,511 1,746,871 2,068,535 2,466,081 3,617,623 3,910,199 4,364,886

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-15,862 -30,132 23,585 26,074 -56,055 -16,690 41,495 -14,209 27,313 35,015 145,177 123,617
-1,933 -627 -1,985 -523 -1,231 -891 -1,262 -1,126 -1,997 12,604 -1,845 10,348
14,543 33,347 -11,568 48,411 15,718 22,852 -7,381 48,192 16,122 -22,237 -122,909 -75,070
Net Cash Flow -3,252 2,587 10,033 73,963 -41,567 5,271 32,852 32,857 41,438 25,382 20,423 58,896
Free Cash Flow -16,565 -30,937 22,527 25,314 -57,585 -18,218 39,892 -16,331 24,074 31,276 142,069 120,903
CFO/OP -32% -57% 67% 69% -66% -8% 73% -0% 41% 31% 73% 67%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 19% 18% 18% 18% 16% 16% 17% 17% 17% 17% 14% 14%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CASA ratio
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Gross NPA ratio
%
Number of branches
count
Number of customers
million
Market share in system advances
%
Market share in system deposits
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
52.13% 52.31% 47.83% 47.17% 48.02% 49.21% 48.30% 48.84% 48.38% 47.67% 44.05% 41.82%
30.39% 30.54% 33.33% 35.20% 35.05% 34.37% 35.68% 35.77% 36.07% 37.00% 40.14% 41.75%
0.17% 0.17% 0.18% 0.18% 0.18% 0.18% 0.18% 0.18% 0.18% 0.18% 0.18% 0.18%
17.30% 16.98% 18.64% 17.44% 16.75% 16.23% 15.84% 15.19% 15.33% 15.11% 15.64% 16.27%
No. of Shareholders 30,58,65930,18,24741,21,81536,64,32539,21,91039,24,44238,29,14637,25,91137,01,27236,50,08742,30,42545,32,753

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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