HDFC Bank Ltd

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

HDFC Bank Ltd

₹ 1,925 0.85%
30 Apr - close price
hdfcbank.com BSE: 500180 NSE: HDFCBANK
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
  • Market Cap ₹ 14,74,117 Cr.
  • Current Price ₹ 1,925
  • High / Low ₹ 1,979 / 1,427
  • Stock P/E 20.8
  • Book Value ₹ 677
  • Dividend Yield 1.01 %
  • ROCE 7.51 %
  • ROE 14.5 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 21.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 23.3%
  • Company's median sales growth is 16.4% of last 10 years

Cons

  • Stock is trading at 2.84 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.24,09,821 Cr.
  • Earnings include an other income of Rs.1,34,548 Cr.

* 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

Sector: Banks Industry: Banks - Private Sector

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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
35,574 37,274 40,930 45,002 47,548 51,168 75,039 78,008 79,434 81,546 83,002 85,040 86,779
Interest 15,227 16,358 18,311 20,505 22,606 25,955 41,250 43,242 43,692 44,580 45,414 46,914 46,986
15,044 15,021 15,915 16,682 17,770 18,470 45,349 50,530 62,938 49,690 52,074 41,307 47,709
Financing Profit 5,304 5,895 6,704 7,815 7,172 6,744 -11,560 -15,764 -27,196 -12,723 -14,487 -3,181 -7,916
Financing Margin % 15% 16% 16% 17% 15% 13% -15% -20% -34% -16% -17% -4% -9%
8,386 6,929 8,252 9,121 9,610 9,853 32,528 37,007 44,958 35,450 38,455 27,154 33,489
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 13,690 12,823 14,956 16,936 16,783 16,597 20,967 21,243 17,761 22,727 23,968 23,973 25,573
Tax % 23% 25% 25% 25% 25% 25% 17% 17% -1% 24% 22% 24% 25%
10,475 9,617 11,163 12,735 12,634 12,403 17,312 17,718 18,013 17,188 18,627 18,340 19,285
EPS in Rs 18.83 17.25 19.97 22.77 22.57 22.12 22.17 22.73 23.20 21.65 23.36 23.09 24.61
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
42,555 50,666 63,162 73,271 85,288 105,161 122,189 128,552 135,936 170,754 283,649 336,367
Interest 23,445 27,288 34,070 38,042 42,381 53,713 62,137 59,248 58,584 77,780 154,139 183,894
13,508 16,164 20,055 23,856 29,532 34,856 45,459 52,457 56,557 63,042 174,196 190,780
Financing Profit 5,602 7,214 9,037 11,374 13,374 16,592 14,593 16,848 20,795 29,932 -44,685 -38,306
Financing Margin % 13% 14% 14% 16% 16% 16% 12% 13% 15% 18% -16% -11%
8,298 9,546 11,212 12,905 16,057 18,947 24,879 27,333 31,759 33,912 124,346 134,548
Depreciation 689 680 738 886 967 1,221 1,277 1,385 1,681 2,345 3,092 0
Profit before tax 13,211 16,079 19,511 23,393 28,464 34,318 38,195 42,796 50,873 61,498 76,569 96,242
Tax % 34% 33% 34% 35% 35% 35% 29% 26% 25% 25% 15% 24%
8,768 10,703 12,821 15,317 18,561 22,446 27,296 31,857 38,151 46,149 65,446 73,440
EPS in Rs 18.22 21.32 25.32 29.81 35.66 41.00 49.70 57.74 68.62 82.44 84.33 92.51
Dividend Payout % 19% 19% 19% 18% 18% 18% 5% 11% 23% 23% 23% 24%
Compounded Sales Growth
10 Years: 21%
5 Years: 22%
3 Years: 35%
TTM: 19%
Compounded Profit Growth
10 Years: 21%
5 Years: 21%
3 Years: 23%
TTM: 11%
Stock Price CAGR
10 Years: 15%
5 Years: 14%
3 Years: 12%
1 Year: 27%
Return on Equity
10 Years: 17%
5 Years: 16%
3 Years: 16%
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 480 501 506 513 519 545 548 551 555 558 760 765
Reserves 43,687 62,653 73,798 91,281 109,080 153,128 175,810 209,259 246,772 288,880 455,636 517,219
Deposits 367,080 450,284 545,873 643,134 788,375 922,503 1,146,207 1,333,721 1,558,003 1,882,663 2,376,887 2,710,898
Borrowing 49,597 59,478 103,714 98,416 156,442 157,733 186,834 177,697 226,966 256,549 730,615 634,606
42,776 34,181 38,321 59,000 48,770 58,898 71,430 78,279 90,639 101,783 466,296 528,929
Total Liabilities 503,620 607,097 762,212 892,344 1,103,186 1,292,806 1,580,830 1,799,507 2,122,934 2,530,432 4,030,194 4,392,417
3,026 3,225 3,667 4,000 4,008 4,369 4,776 5,248 6,432 8,431 12,604 15,258
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 119,571 149,454 193,634 210,777 238,461 289,446 389,305 438,823 449,264 511,582 1,005,682 1,186,473
381,023 454,417 564,912 677,567 860,717 998,991 1,186,750 1,355,435 1,667,238 2,010,419 3,011,909 3,190,687
Total Assets 503,620 607,097 762,212 892,344 1,103,186 1,292,806 1,580,830 1,799,507 2,122,934 2,530,432 4,030,194 4,392,417

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,211 -21,281 -34,435 17,282 17,214 -62,872 -16,869 42,476 -11,960 20,814 19,069 127,242
-1,099 -800 -837 -1,146 -842 -1,503 -1,403 -1,823 -2,051 -2,992 16,600 -3,851
9,270 18,694 37,815 -5,893 57,378 23,131 24,394 -7,321 48,124 23,941 -3,983 -102,478
Net Cash Flow 12,382 -3,387 2,542 10,242 73,750 -41,244 6,122 33,332 34,113 41,762 31,687 20,914

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 22% 20% 19% 18% 18% 17% 16% 16% 17% 17% 17% 15%

Shareholding Pattern

Numbers in percentages

32 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
25.73% 25.64% 25.60% 25.59% 25.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
32.31% 32.14% 32.10% 32.24% 33.38% 52.13% 52.31% 47.83% 47.17% 48.02% 49.21% 48.30%
27.11% 27.53% 28.13% 28.09% 26.75% 30.39% 30.54% 33.33% 35.20% 35.05% 34.37% 35.68%
0.16% 0.16% 0.16% 0.16% 0.16% 0.17% 0.17% 0.18% 0.18% 0.18% 0.18% 0.18%
14.69% 14.51% 13.99% 13.91% 14.19% 17.30% 16.98% 18.64% 17.44% 16.75% 16.23% 15.84%
No. of Shareholders 26,60,57725,20,91123,03,29122,90,09223,45,67230,58,65930,18,24741,21,81536,64,32539,21,91039,24,44238,29,146

* 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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