Financial Ratios HDFC Bank Limited

Equities

HDFCBANK

INE040A01034

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:08 15/05/2026 pm IST			5-day change	1st Jan Change
767.50 ^INR	-0.27%		-1.71%	-22.57%

15/05	Asian Equities Traded in the US as American Depositary Receipts Fall Sharply in Friday Trading	MT
14/05	Asian Equities Traded in the US as American Depositary Receipts Higher in Thursday Trading	MT

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Published financial data: HDFC BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	1,28600Cr	1,35900Cr	1,70800Cr	2,83600Cr	3,36400Cr
Interest Income, Total	1,28600Cr	1,35900Cr	1,70800Cr	2,83600Cr	3,36400Cr
Interest On Deposits	59TCr	59TCr	78TCr	1,54100Cr	1,83900Cr
Interest Expense, Total	59TCr	59TCr	78TCr	1,54100Cr	1,83900Cr
Net Interest Income	69TCr	77TCr	93TCr	1,29500Cr	1,52500Cr
Gain (Loss) on Sale of Assets	47Cr	71Cr	93Cr	199.85Cr	156.2Cr
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3.9TCr	2.33TCr	-1.03TCr	27TCr	10TCr
Total Other Non Interest Income	23TCr	29TCr	35TCr	97TCr	1,24000Cr
Non Interest Income, Total	27TCr	32TCr	34TCr	1,24300Cr	1,34500Cr
Revenues Before Provison For Loan Losses	97TCr	1,09100Cr	1,26900Cr	2,53900Cr	2,87000Cr
Provision For Loan Losses	19TCr	18TCr	14TCr	25TCr	14TCr
Total Revenues	78TCr	91TCr	1,13000Cr	2,28800Cr	2,72800Cr
Salaries And Other Employee Benefits	14TCr	16TCr	20TCr	31TCr	34TCr
Occupancy Expense	4.84TCr	5.21TCr	6.77TCr	9.37TCr	11TCr
Selling General & Admin Expenses, Total	1.25TCr	1.74TCr	2.1TCr	3.78TCr	4.06TCr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	15TCr	17TCr	23TCr	1,08100Cr	1,27100Cr
Non Interest Expense, Total	35TCr	40TCr	52TCr	1,52300Cr	1,76600Cr
EBT, Excl. Unusual Items	43TCr	51TCr	61TCr	77TCr	96TCr
Total Merger & Related Restructuring Charges	-	-	-	-	-
EBT, Incl. Unusual Items	43TCr	51TCr	61TCr	77TCr	96TCr
Income Tax Expense	11TCr	13TCr	15TCr	11TCr	23TCr
Earnings From Continuing Operations	32TCr	38TCr	46TCr	65TCr	73TCr
Net Income to Company	32TCr	38TCr	46TCr	65TCr	73TCr
Minority Interest	-24Cr	-98Cr	-151.59Cr	-1.38TCr	-2.65TCr
Net Income - (IS)	32TCr	38TCr	46TCr	64TCr	71TCr
Net Income to Common Incl Extra Items	32TCr	38TCr	46TCr	64TCr	71TCr
Net Income to Common Excl. Extra Items	32TCr	38TCr	46TCr	64TCr	71TCr
Per Share Items
Net EPS - Basic	28.94	34.39	41.32	45.21	46.4
Basic EPS - Continuing Operations	28.94	34.39	41.32	45.21	46.4
Basic Weighted Average Shares Outstanding	1.1TCr	1.11TCr	1.11TCr	1.42TCr	1.53TCr
Net EPS - Diluted	28.8	34.15	41.13	45	46.2
Diluted EPS - Continuing Operations	28.8	34.15	41.13	45	46.2
Diluted Weighted Average Shares Outstanding	1.11TCr	1.11TCr	1.12TCr	1.42TCr	1.53TCr
Normalized Basic EPS	24.3	28.64	34.39	32.8	37.69
Normalized Diluted EPS	24.18	28.45	34.24	32.65	37.53
Dividend Per Share	3.25	7.75	9.5	9.75	11
Payout Ratio	-	9.44	18.71	13.12	20.94
American Depositary Receipts Ratio (ADR)	0.6	0.6	0.6	0.6	0.6
Supplemental Items
Effective Tax Rate - (Ratio)	25.56	25.01	24.96	14.53	23.69
Total Current Taxes	12TCr	14TCr	15TCr	14TCr	21TCr
Total Deferred Taxes	-1.4TCr	-1.6TCr	-148.44Cr	-2.83TCr	1.86TCr
Normalized Net Income	27TCr	32TCr	38TCr	46TCr	58TCr
Non-Cash Pension Expense	-31Cr	-43Cr	56Cr	-303.85Cr	53Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	341.24Cr	787.06Cr	1.73TCr	2.09TCr
Total Stock-Based Compensation	-	341.24Cr	787.06Cr	1.73TCr	2.09TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	35TCr	37TCr	93TCr	63TCr	1,17700Cr
Investment Securities, Total	4,48200Cr	4,94000Cr	5,11600Cr	10,05700Cr	11,86500Cr
Total investments	4,48200Cr	4,94000Cr	5,11600Cr	10,05700Cr	11,86500Cr
Gross Loans	11,85300Cr	14,20900Cr	16,61900Cr	25,65900Cr	27,24900Cr
Net Loans	11,85300Cr	14,20900Cr	16,61900Cr	25,65900Cr	27,24900Cr
Gross Property Plant And Equipment	16TCr	18TCr	22TCr	30TCr	35TCr
Accumulated Depreciation	-10TCr	-12TCr	-13TCr	-18TCr	-20TCr
Net Property Plant And Equipment	5.1TCr	6.28TCr	8.28TCr	13TCr	15TCr
Goodwill	148.79Cr	148.79Cr	148.79Cr	-	-
Accrued Interest Receivable	12TCr	13TCr	19TCr	25TCr	34TCr
Restricted Cash	87TCr	1,18800Cr	1,03900Cr	1,65700Cr	1,32200Cr
Other Current Assets, Total	3.53TCr	4.29TCr	5.2TCr	17TCr	17TCr
Deferred Tax Assets Long-Term (Collected)	5.54TCr	7.14TCr	7.29TCr	9.3TCr	7.14TCr
Other Real Estate Owned And Foreclosed	51Cr	51Cr	46Cr	1.14TCr	991.24Cr
Other Long-Term Assets, Total	19TCr	21TCr	1,20100Cr	1,63800Cr	1,57000Cr
Total Assets	17,99500Cr	21,22900Cr	25,30400Cr	40,30200Cr	43,92400Cr
Liabilities
Interest Bearing Deposits	11,22600Cr	13,19800Cr	16,09700Cr	20,69100Cr	23,99500Cr
Non-Interest Bearing Deposits	2,11100Cr	2,38200Cr	2,72900Cr	3,07800Cr	3,11400Cr
Total Deposits	13,33700Cr	15,58000Cr	18,82700Cr	23,76900Cr	27,10900Cr
Short-Term Borrowings	45TCr	24TCr	9.02TCr	5.65TCr	13TCr
Long-Term Debt	1,33100Cr	2,02800Cr	2,47500Cr	7,25000Cr	6,21600Cr
Accrued Interest Payable	8.12TCr	8.24TCr	11TCr	24TCr	26TCr
Other Current Liabilities - (Bank / Utility Template)	12TCr	13TCr	12TCr	14TCr	14TCr
Deferred Tax Liability Non-Current	-	-	-	-	307.59Cr
Other Non Current Liabilities	57TCr	69TCr	78TCr	4,15100Cr	4,69200Cr
Total Liabilities	15,89100Cr	18,74900Cr	22,40100Cr	35,60400Cr	38,54300Cr
Common Stock, Total	551.28Cr	554.55Cr	557.97Cr	759.69Cr	765.22Cr
Additional Paid In Capital	61TCr	63TCr	67TCr	1,27100Cr	1,34100Cr
Retained Earnings	1,38900Cr	1,72500Cr	2,09600Cr	2,97600Cr	3,51400Cr
Comprehensive Income and Other	9.88TCr	11TCr	13TCr	31TCr	36TCr
Total Common Equity	2,09800Cr	2,47300Cr	2,89400Cr	4,56400Cr	5,21800Cr
Minority Interest	632.76Cr	720.41Cr	860.26Cr	13TCr	16TCr
Total Equity	2,10400Cr	2,48000Cr	2,90300Cr	4,69800Cr	5,38100Cr
Total Liabilities And Equity	17,99500Cr	21,22900Cr	25,30400Cr	40,30200Cr	43,92400Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.1TCr	1.11TCr	1.12TCr	1.52TCr	1.53TCr
ECS Total Common Shares Outstanding	1.1TCr	1.11TCr	1.12TCr	1.52TCr	1.53TCr
Book Value / Share	190.29	223	259.36	300.38	340.94
Tangible Book Value	2,09700Cr	2,47200Cr	2,89300Cr	4,56400Cr	5,21800Cr
Tangible Book Value Per Share	190.16	222.86	259.23	300.38	340.94
Total Debt	1,77700Cr	2,27000Cr	2,56500Cr	7,30600Cr	6,34600Cr
Deposits at Interest - Cash	39TCr	54TCr	75TCr	73TCr	85TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	272.44Cr	175.82Cr	191.07Cr	40Cr	292.81Cr
Net Debt	1,33800Cr	1,45600Cr	1,63300Cr	6,67400Cr	5,16900Cr
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	1L	1L	2L	2L	2L
Number Of Offices	5.61T	6.34T	7.82T	8.74T	9.46T
Assets on Operating Lease - Gross	410.45Cr	410.45Cr	410.45Cr	39Cr	46Cr
Assets on Operating Lease - Accumulated Depreciation	-410.45Cr	-410.45Cr	-410.45Cr	-36Cr	-39Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	32TCr	38TCr	46TCr	64TCr	71TCr
Depreciation, Depletion & Amortization	1.39TCr	1.68TCr	2.35TCr	3.09TCr	3.81TCr
Total Depreciation, Depletion & Amortization	1.39TCr	1.68TCr	2.35TCr	3.09TCr	3.81TCr
(Gain) Loss On Sale of Asset - (CF)	28.59L	3.25Cr	-8.05Cr	-7.42TCr	-14Cr
(Gain) Loss on Sale of Investments - (CF)	2.25TCr	-725.08Cr	1.4TCr	-5.99TCr	4TCr
Provision for Credit Losses	19TCr	19TCr	14TCr	14TCr	14TCr
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	-	341.24Cr	787.06Cr	1.73TCr	2.09TCr
Change in Other Net Operating Assets (Collected)	-1,97600Cr	-2,92200Cr	-3,67200Cr	-3,86700Cr	-3,04700Cr
Other Operating Activities	-2.08TCr	-2.12TCr	-1.02TCr	-820.74Cr	3.09TCr
Cash from Operations	-1,45000Cr	-2,36200Cr	-3,03800Cr	-3,17900Cr	-2,06800Cr
Capital Expenditure	-1.7TCr	-2.24TCr	-3.47TCr	-4.29TCr	-4.08TCr
Sale of Property, Plant, and Equipment	15Cr	20Cr	43Cr	100Cr	100.72Cr
Cash Acquisitions	-	-	-	-	-67Cr
Divestitures	-	-	-	9.5TCr	192Cr
Cash from Investing	-1.68TCr	-2.22TCr	-3.42TCr	5.31TCr	-3.85TCr
Long-Term Debt Issued, Total	356.5Cr	53TCr	41TCr	2.35TCr	1.18TCr
Total Debt Issued	356.5Cr	53TCr	41TCr	2.35TCr	1.18TCr
Long-Term Debt Repaid, Total	-9.49TCr	-3.65TCr	-12TCr	-7.57TCr	-98TCr
Total Debt Repaid	-9.49TCr	-3.65TCr	-12TCr	-7.57TCr	-98TCr
Issuance of Common Stock	1.76TCr	2.61TCr	3.42TCr	8.44TCr	6.35TCr
Common Dividends Paid	-	-3.59TCr	-8.6TCr	-8.4TCr	-15TCr
Common & Preferred Stock Dividends Paid	-	-3.59TCr	-8.6TCr	-8.4TCr	-15TCr
Net Increase (Decrease) in Deposit Accounts - (CF)	1,87500Cr	2,24300Cr	3,24700Cr	3,37000Cr	3,34000Cr
Special Dividend Paid	-	-	-	-	-
Other Financing Activities, Total	56Cr	135.83Cr	198.96Cr	1.2TCr	2.38TCr
Cash from Financing	1,80200Cr	2,72400Cr	3,48600Cr	3,33000Cr	2,31500Cr
Foreign Exchange Rate Adjustments	-141.83Cr	165.1Cr	431.71Cr	104.94Cr	199.73Cr
Miscellaneous Cash Flow Adjustments	-	-	-	11TCr	-
Net Change in Cash	33TCr	34TCr	42TCr	32TCr	21TCr
Supplemental Items
Cash Interest Paid	19Cr	21Cr	18Cr	396.12Cr	531.6Cr
Cash Income Tax Paid (Refund)	13TCr	15TCr	16TCr	23TCr	20TCr
Net Debt Issued / Repaid	-9.14TCr	49TCr	29TCr	-5.22TCr	-96TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.88	1.95	1.98	2	1.74
Return On Equity %	16.45	16.64	17.14	17.22	14.57
Return on Common Equity	16.49	16.65	17.14	17.18	14.47
Shareholders Value Added	8.66TCr	11TCr	14TCr	19TCr	12TCr
Margin Analysis
SG&A Margin	27.63	27.16	27.54	20.39	19.3
Net Interest Income / Total Revenues %	89.08	84.83	82.25	56.59	55.88
EBT Excl. Non-Recurring Items Margin %	55.01	55.79	54.41	33.46	35.27
Income From Continuing Operations Margin %	40.95	41.84	40.83	28.6	26.92
Net Income Margin %	40.92	41.73	40.69	27.99	25.95
Net Avail. For Common Margin %	40.92	41.73	40.69	27.99	25.95
Normalized Net Income Margin	34.35	34.76	33.87	20.31	21.08
Asset quality
Nonperforming Loans / Total Loans %	1.27	1.14	1.08	1.21	1.29
Nonperforming Loans / Total Assets %	0.84	0.76	0.71	0.77	0.8
Nonperforming Assets / Total Assets %	0.84	0.76	0.71	0.77	0.8
NPAs / Loans and OREO	1.27	1.14	1.08	1.21	1.29
NPAs / Equity	7.17	6.51	6.21	6.64	6.55
Provision for Loan Losses / Net Charge-offs %	202.82	190.09	128.26	300.06	161.69
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.42	11.65	11.53	11.37	11.61
Total Average Equity / Total Average Assets %	11.46	11.69	11.57	11.59	11.97
Total Equity + Allowance for Loan Losses / Total Loans %	17.7	17.41	17.42	17.79	19.15
Gross Loans / Total Deposits %	88.87	91.2	88.28	107.95	100.52
Net Loans / Total Deposits %	88.87	91.2	88.28	107.95	100.52
Tier 1 Capital Ratio %	17.56	17.87	17.13	16.79	17.69
Total Capital Ratio %	18.79	18.9	19.26	18.8	19.55
Core Tier 1 Capital Ratio	16.85	16.67	16.4	16.3	17.23
Tier 2 Capital Ratio	1.23	1.03	2.13	2.01	1.86
Interbank Ratio	23.6	30.6	25.55	7.26	3.85
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.72	1.87	1.79	1.5	1.52
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.41	11.61	20.2	39.3	17.73
Non Interest Income, 1 Yr. Growth %	9.86	16.19	6.78	266.67	8.21
Provision For Loan Losses, 1 Yr. Growth %	37.52	-4.86	-22.71	80.58	-43.34
Total Revenues, 1 Yr. Growth %	9.22	17.21	23.96	102.45	19.23
Earnings From Cont. Operations, 1 Yr. Growth %	16.71	19.76	20.96	41.82	12.21
Net Income, 1 Yr. Growth %	16.8	19.54	20.88	39.27	10.51
Normalized Net Income, 1 Yr. Growth %	12.15	18.61	20.78	21.38	23.74
Diluted EPS Before Extra, 1 Yr. Growth %	16.48	18.57	20.44	9.41	2.64
Dividend Per Share, 1 Yr. Growth %	-	138.46	22.58	2.63	12.82
Gross Loans, 1 Yr. Growth %	13.57	19.88	16.96	54.39	5.95
Net Loans, 1 Yr. Growth %	13.57	19.88	16.96	54.39	5.95
Non Performing Loans, 1 Yr. Growth %	19.26	6.99	11.64	73	12.99
Non Performing Assets, 1 Yr. Growth %	19.26	6.99	11.64	73	12.99
Total Assets, 1 Yr. Growth %	13.83	17.97	19.2	59.27	8.99
Total Deposits, 1 Yr Growth %	16.36	16.82	20.84	26.25	14.05
Tangible Book Value, 1 Yr. Growth %	18.98	17.89	17.04	57.76	14.33
Common Equity, 1 Yr. Growth %	18.97	17.88	17.03	57.68	14.33
Total Equity, 1 Yr. Growth %	18.94	17.87	17.03	61.83	14.55
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.06	13.49	15.82	29.39	28.06
Non Interest Income, 2 Yr. CAGR %	20.11	12.98	11.39	97.87	99.19
Provision For Loan Losses, 2 Yr. CAGR %	49.92	14.39	-14.25	18.14	1.15
Total Revenues, 2 Yr. CAGR %	12.01	13.14	20.54	58.42	55.37
Earnings From Cont. Operations, 2 Yr. CAGR %	19.13	18.22	20.36	30.98	26.15
Net Income, 2 Yr. CAGR %	19.39	18.16	20.21	29.75	24.06
Normalized Net Income, 2 Yr. CAGR %	11.92	15.33	19.69	21.08	22.56
Diluted EPS Before Extra, 2 Yr. CAGR %	18.18	17.52	19.5	14.79	5.97
Dividend Per Share, 2 Yr. CAGR %	-6.91	-	70.97	12.16	7.61
Gross Loans, 2 Yr. CAGR %	16.77	16.68	18.41	34.38	28.05
Net Loans, 2 Yr. CAGR %	16.77	16.68	18.41	34.38	28.05
Non Performing Loans, 2 Yr. CAGR %	15.93	12.96	9.29	38.97	39.81
Non Performing Assets, 2 Yr. CAGR %	15.93	12.96	9.29	38.97	39.81
Total Assets, 2 Yr. CAGR %	17.98	15.88	18.58	37.78	31.75
Total Deposits, 2 Yr CAGR %	20.24	16.59	18.81	23.52	20
Tangible Book Value, 2 Yr. CAGR %	16.86	18.44	17.46	35.88	34.3
Common Equity, 2 Yr. CAGR %	16.85	18.42	17.45	35.84	34.27
Total Equity, 2 Yr. CAGR %	16.83	18.4	17.45	37.62	36.15
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	17.33	14.56	15.69	23.17	25.38
Non Interest Income, 3 Yr. CAGR %	19.4	18.79	10.88	65.7	61.81
Provision For Loan Losses, 3 Yr. CAGR %	42.06	28.84	0.37	9.91	-7.53
Total Revenues, 3 Yr. CAGR %	14.09	13.71	16.64	43.28	44.1
Earnings From Cont. Operations, 3 Yr. CAGR %	19.73	19.34	19.13	27.12	24.4
Net Income, 3 Yr. CAGR %	19.81	19.44	19.06	26.25	22.99
Normalized Net Income, 3 Yr. CAGR %	14.64	14.11	17.12	20.25	21.96
Diluted EPS Before Extra, 3 Yr. CAGR %	17.65	18.31	18.48	16.04	10.59
Dividend Per Share, 3 Yr. CAGR %	0	27.38	-	44.22	12.38
Gross Loans, 3 Yr. CAGR %	19.19	17.8	16.78	29.36	24.24
Net Loans, 3 Yr. CAGR %	19.19	17.8	16.78	29.36	24.24
Non Performing Loans, 3 Yr. CAGR %	20.57	12.87	12.52	27.37	29.71
Non Performing Assets, 3 Yr. CAGR %	20.57	12.87	12.52	27.37	29.71
Total Assets, 3 Yr. CAGR %	17.72	17.98	16.98	30.84	27.43
Total Deposits, 3 Yr CAGR %	19.15	19.09	17.99	21.24	20.28
Tangible Book Value, 3 Yr. CAGR %	24.19	17.2	17.97	29.6	28.28
Common Equity, 3 Yr. CAGR %	24.17	17.19	17.96	29.57	28.26
Total Equity, 3 Yr. CAGR %	24.16	17.18	17.94	30.69	29.46
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	18.96	17.03	16.73	20.28	20.49
Non Interest Income, 5 Yr. CAGR %	19.51	19.79	16.13	45.69	40.16
Provision For Loan Losses, 5 Yr. CAGR %	44.79	35.05	16.09	24.45	0.68
Total Revenues, 5 Yr. CAGR %	15.81	15.63	16.62	29.84	30.81
Earnings From Cont. Operations, 5 Yr. CAGR %	19.97	20.11	19.98	23.87	21.89
Net Income, 5 Yr. CAGR %	19.98	20.11	19.97	23.46	21.04
Normalized Net Income, 5 Yr. CAGR %	17.02	16.82	16.63	16.85	19.27
Diluted EPS Before Extra, 5 Yr. CAGR %	18.06	18.27	18.38	16.89	13.31
Dividend Per Share, 5 Yr. CAGR %	6.47	23.03	23.93	21.06	-
Gross Loans, 5 Yr. CAGR %	19.46	19.4	18.88	24.17	21.16
Net Loans, 5 Yr. CAGR %	19.46	19.4	18.88	24.17	21.16
Non Performing Loans, 5 Yr. CAGR %	27.99	22.36	15.92	22.67	22.73
Non Performing Assets, 5 Yr. CAGR %	27.99	22.36	15.92	22.67	22.73
Total Assets, 5 Yr. CAGR %	18.74	18.93	18.06	25.53	22.68
Total Deposits, 5 Yr CAGR %	19.56	19.36	19.02	20.84	18.79
Tangible Book Value, 5 Yr. CAGR %	23.12	21.96	21.46	24.35	24.25
Common Equity, 5 Yr. CAGR %	23.07	21.92	21.44	24.32	24.23
Total Equity, 5 Yr. CAGR %	23.09	21.92	21.43	24.96	24.92