HDFC BANK LTD (HDB) Form 6-K — Oct 19, 2026
HDFC Bank reported standalone PAT of ₹195.1 billion for the quarter ended September 30, 2026, up 4.7% year over year, with consolidated PAT of ₹207.0 billion. Net interest income grew 9.7% YoY to ₹346.2 billion with net interest margin at 3.32% on interest-earning assets, while deposits rose 18.8% and gross advances 16.3% YoY. Asset quality improved with gross NPAs at 1.11% (down from 1.24% a year ago) and net NPAs at 0.37%, and the capital adequacy ratio stood at a strong 18.9% versus an 11.9% regulatory requirement.
Key figures
- Eps
- ₹12.66 standalone basic EPS (not annualized) for quarter ended Sep 30, 2026
- Revenue
- ₹484.5 billion standalone net revenue for Q2 FY27
- Net Income
- ₹195.1 billion standalone PAT; ₹207.0 billion consolidated PAT for the quarter
- Revenue Yoy
- 5.6% standalone net revenue growth vs Sep-2025 quarter (₹459.0B)
- Total Assets
- ₹45,778 billion standalone balance sheet size
- Cash Position
- ₹250,374.10 crore standalone cash and cash equivalents at Sep 30, 2026
- Atms
- 20881
- Branches
- 9706
- Tier1 car
- 17.2%
- Cet1 ratio
- 17.1%
- Hdfc life pat
- ₹5.1 billion, up 13.6% YoY
- Gross advances
- ₹32,195 billion, up 16.3% YoY
- Net npa percent
- 0.37%
- Credit cost ratio
- 0.44%
- Gross npa percent
- 1.11%
- Total deposits eop
- ₹33,274 billion, up 18.8% YoY
- Net interest income
- ₹346.2 billion, up 9.7% YoY
- Net interest margin
- 3.32% on interest earning assets
- Cost to income ratio
- 39.1%
- Capital adequacy ratio
- 18.9% vs 11.9% regulatory requirement
- Casa percent of deposits
- 31.6%
- Hdb financial pat growth
- 34.2% YoY to ₹7.8 billion
AI analysis
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