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

₹ 731 2.52%
18 Sep - close price
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 ₹ 11,26,961 Cr.
  • Current Price ₹ 731
  • High / Low ₹ 1,020 / 682
  • Stock P/E 14.3
  • Book Value ₹ 390
  • Dividend Yield 1.78 %
  • ROCE 7.02 %
  • ROE 13.6 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 18.9% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 26.1%
  • Company's median sales growth is 16.3% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.35,61,957 Cr.
  • Earnings include an other income of Rs.1,43,700 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

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

Consolidated Figures in Rs. Crores / View Standalone

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
51,168 75,039 78,008 79,434 81,546 83,002 85,040 86,779 87,372 86,994 87,067 87,182 90,575
Interest 25,955 41,250 43,242 43,692 44,580 45,414 46,914 46,986 47,709 46,741 45,821 45,220 47,626
18,470 45,349 50,530 62,938 49,690 52,074 41,307 47,709 64,497 45,161 54,145 44,028 58,292
Financing Profit 6,744 -11,560 -15,764 -27,196 -12,723 -14,487 -3,181 -7,916 -24,833 -4,908 -12,899 -2,066 -15,342
Financing Margin % 13% -15% -20% -34% -16% -17% -4% -9% -28% -6% -15% -2% -17%
9,853 32,528 37,007 44,958 35,450 38,455 27,154 33,489 45,683 31,567 39,860 29,737 42,535
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 16,597 20,967 21,243 17,761 22,727 23,968 23,973 25,573 20,850 26,659 26,961 27,672 27,193
Tax % 25% 17% 17% -1% 24% 22% 24% 25% 18% 24% 23% 24% 25%
12,403 17,312 17,718 18,013 17,188 18,627 18,340 19,285 17,090 20,364 20,691 21,074 20,383
EPS in Rs 11.06 11.09 11.37 11.60 10.83 11.68 11.54 12.31 10.60 12.76 12.87 13.22 12.50
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
50,666 63,162 73,271 85,288 105,161 122,189 128,552 135,936 170,754 283,649 336,367 348,615 351,819
Interest 27,288 34,070 38,042 42,381 53,713 62,137 59,248 58,584 77,780 154,139 183,894 185,491 185,408
16,164 20,055 23,856 29,532 34,856 45,459 52,457 56,557 63,042 174,196 186,974 203,635 201,625
Financing Profit 7,214 9,037 11,374 13,374 16,592 14,593 16,848 20,795 29,932 -44,685 -34,501 -40,511 -35,215
Financing Margin % 14% 14% 16% 16% 16% 12% 13% 15% 18% -16% -10% -12% -10%
9,546 11,212 12,905 16,057 18,947 24,879 27,333 31,759 33,912 124,346 134,548 146,848 143,700
Depreciation 680 738 886 967 1,221 1,277 1,385 1,681 2,345 3,092 3,805 4,195 0
Profit before tax 16,079 19,511 23,393 28,464 34,318 38,195 42,796 50,873 61,498 76,569 96,242 102,141 108,485
Tax % 33% 34% 35% 35% 35% 29% 26% 25% 25% 15% 24% 22%
10,703 12,821 15,317 18,561 22,446 27,296 31,857 38,151 46,149 65,446 73,440 79,219 82,512
EPS in Rs 10.66 12.66 14.91 17.83 20.50 24.85 28.87 34.31 41.22 42.16 46.26 49.39 51.35
Dividend Payout % 19% 19% 18% 18% 18% 5% 11% 23% 23% 23% 24% 31%
Compounded Sales Growth
10 Years: 19%
5 Years: 22%
3 Years: 27%
TTM: 3%
Compounded Profit Growth
10 Years: 19%
5 Years: 19%
3 Years: 18%
TTM: 12%
Stock Price CAGR
10 Years: 9%
5 Years: -1%
3 Years: -2%
1 Year: -24%
Return on Equity
10 Years: 16%
5 Years: 15%
3 Years: 15%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 62,653 73,798 91,281 109,080 153,128 175,810 209,259 246,772 288,880 455,636 521,024 584,520
Deposits 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 3,099,638
Borrowing 59,478 103,714 98,416 156,442 157,733 186,834 177,697 226,966 256,549 730,615 634,606 588,485
34,181 38,321 59,000 48,770 58,898 71,430 78,279 90,639 101,783 466,296 524,817 633,519
Total Liabilities 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 4,392,110 4,907,701
3,225 3,667 4,000 4,008 4,369 4,776 5,248 6,432 8,431 12,604 15,258 16,492
CWIP -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Investments 149,454 193,634 210,777 238,461 289,446 389,305 438,823 449,264 511,582 1,005,682 1,186,473 1,280,216
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 3,190,379 3,610,993
Total Assets 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 4,392,110 4,907,701

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-21,281 -34,435 17,282 17,214 -62,872 -16,869 42,476 -11,960 20,814 19,069 127,242 113,506
-800 -837 -1,146 -842 -1,503 -1,403 -1,823 -2,051 -2,992 16,600 -3,651 7,477
18,694 37,815 -5,893 57,378 23,131 24,394 -7,321 48,124 23,941 -3,983 -102,478 -59,005
Net Cash Flow -3,387 2,542 10,242 73,750 -41,244 6,122 33,332 34,113 41,762 31,687 21,113 61,978
Free Cash Flow -22,020 -35,301 16,134 16,377 -64,470 -18,486 40,796 -14,176 17,390 14,882 123,267 110,144
CFO/OP -45% -63% 51% 49% -72% -8% 73% 4% 35% 38% 98% 94%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 20% 19% 18% 18% 17% 16% 16% 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
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Gross NPA ratio
% ・Standalone data
Number of branches
count ・Standalone data
Number of customers
million ・Standalone data
Market share in system advances
% ・Standalone data
Market share in system deposits
% ・Standalone data

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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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