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Net interest income (NII) (interest earned less interest expended) for the quarter ended 31st December 2025 grew by 6.4% to Rs 32,620 crore from Rs 30,650 crore for the quarter ended 31st December 2024.
Operating profit before provisions and contingencies stood at Rs 27,097.80 crore as on 31st December 2025, registering the growth of 8.39% compared with 25,000.40 crore as on 31st December 2024.
Operating expenses for the quarter ended December 31, 2025 were Rs 18,770 crore as on 3st December 2025. Operating expenses excluding the estimated impact of Rs 8000 crore for employee benefits under the New Labour Code were Rs 17,970 crore, as against Rs 17,110 crore during the corresponding quarter of the previous year. The core cost-to-income ratio for the quarter was at 39.2%.
Provisions and contingencies for the quarter ended December 31, 2025 were Rs 2,840 crore (after release of contingent provisions of Rs 1,040 crore primarily in respect of a large borrower group fulfilling certain conditions).
The bank's average deposits were Rs 27,52,400 crore for the 31st December 2025, registering a growth of 12.2% over Rs 24,52,800 crore for the 31st December 2024, and 1.5% over Rs 27,10,500 crore for the 30th September 2025.
Gross advance jumped 11.9% to Rs 28,44,600 crore as on 31st December 2025, recording the growth of 11.9% over 31st December 2024. Retail loans grew by 6.9%, small and mid-market enterprises loans grew by 17.2% and corporate and other wholesale loans grew by 10.3%. Overseas advances constituted 1.7% of total advances.
Gross non-performing assets (GNNPA) stood at 1.24% as on 31st December 2025 unchanged from 1.24% as of 30 September 2025, and improved from 1.42% as of 31 December 2024. Net non-performing assets (NNPA) remained stable at 0.42% as of 31 December 2025, compared with 0.42% as of 30 September 2025, and declined from 0.46% as of 31 December 2024.
The bank's total capital adequacy ratio (CAR) as per Basel Ill guidelines was at 19.9% as on 31st December 2025 (20.0% as on 31st December 2024) as against a regulatory requirement of 11.9%. Tier 1 CAR was at 17.8% and common equity tier 1 capital ratio was at 17.4% as of 31st December 2025. Risk-weighted Assets were at Rs 28,80,800 crore as on 31st December 2025.
HDFC Bank is India's largest private sector lender. As of 31st December 2025, the bank's distribution network was at 9,616 branches and 21,176 ATMs across 4,170 cities/ towns as against 9,143 branches and 21,049 ATMs across 4,101 cities/ towns as of December 31, 2024.
The counter rose 0.56% to settle at Rs 931.15 on the BSE.
In the cash market, the Nifty 50 index added 28.75 points or 0.11% to 25,694.35.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rose 0.46% to 11.37.
Infosys, HDFC Bank and Reliance Industries were the top-traded individual stock futures contracts in the F&O segment of the NSE.
The January 2025 F&O contracts will expire on 27 January 2026.
In the cash market, the Nifty 50 index lost 57.95 points or 0.22% to 25,732.30.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, slipped 1.49% to 11.20.
HDFC Bank, Reliance Industries and Tata Consultancy Services were the top-traded individual stock futures contracts in the F&O segment of the NSE.
In the cash market, the Nifty 50 index jumped 106.95 points or 0.42% to 25,790.25.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rallied 4.05% to 11.37.
HDFC Bank, Tata Consultancy Services and Reliance Industries were the top-traded individual stock futures contracts in the F&O segment of the NSE.
HDFC Bank Ltd dropped for a fifth straight session today. The stock is quoting at Rs 936.95, down 1.03% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.67% on the day, quoting at 25702.5. The Sensex is at 83622.68, down 0.66%.HDFC Bank Ltd has lost around 5.34% in last one month.Meanwhile, Nifty Bank index of which HDFC Bank Ltd is a constituent, has increased around 0.58% in last one month and is currently quoting at 59686.5, down 0.64% on the day. The volume in the stock stood at 282.56 lakh shares today, compared to the daily average of 187.84 lakh shares in last one month.
The benchmark January futures contract for the stock is quoting at Rs 940.75, down 1.04% on the day. HDFC Bank Ltd jumped 13.11% in last one year as compared to a 9.69% rally in NIFTY and a 21.68% spurt in the Nifty Bank index.
The PE of the stock is 20.47 based on TTM earnings ending September 25.
HDFC Bank Ltd fell 1.23% today to trade at Rs 950.6. The BSE BANKEX index is down 0.82% to quote at 66998.4. The index is up 0.83 % over last one month. Among the other constituents of the index, Kotak Mahindra Bank Ltd decreased 0.34% and ICICI Bank Ltd lost 0.2% on the day. The BSE BANKEX index went up 17.49 % over last one year compared to the 8.21% surge in benchmark SENSEX.
HDFC Bank Ltd has lost 5.23% over last one month compared to 0.83% gain in BSE BANKEX index and 0.57% drop in the SENSEX. On the BSE, 42898 shares were traded in the counter so far compared with average daily volumes of 7.23 lakh shares in the past one month. The stock hit a record high of Rs 1020.35 on 23 Oct 2025. The stock hit a 52-week low of Rs 812.13 on 13 Jan 2025.
The bank’s average time deposits were Rs 18,53,900 crore for the December 2025 quarter, a growth of around 13.4% over Rs 16,35,200 crore for the corresponding December 2024 period.
The bank’s average advances under management (advances grossing up for inter-bank participation certificates, bills rediscounted and securitisation / assignment) were Rs 28,63,900 crore for the December 2025 quarter, a growth of around 9.0% over Rs 26,27,600 crore for the corresponding December 2024 period.
In December 2025, the bank’s period-end deposits increased 11.5% year-on-year to Rs 28,59,500 crore, while end-period CASA deposits rose 10.1% year-on-year to Rs 9,61,000 crore.
The bank’s period end time deposits jumped 12.3% to Rs 18,98,500 crore as of 31st December 2025, registering the growth of 12.3% compared with Rs 16,91,100 crore as of 31st December 2024.
HDFC Bank is India's largest private sector lender. As of 30 September 2025, the bank's distribution network was at 9,545 branches and 21,417 ATMs across 4,156 cities / towns. In addition, the bank has 15,253 business correspondents, which are primarily manned by common service centres (CSC).
The bank reported a 10.8% rise in standalone net profit to Rs 18,640 crore on a 10.3% increase in net revenue to Rs 45,900 crore in Q2 FY26 as compared with Q2 FY25.
The counter declined 1.13% to Rs 989.90 on the BSE.
In the cash market, The Nifty 50 index declined 3.25 points or 0.01% to 25,938.85.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, was down 0.43% to 9.68.
HDFC Bank, ICICI Bank and Reliance Industries were the top-traded individual stock futures contracts in the F&O segment of the NSE.
In the cash market, The Nifty 50 index declined 100.20 points or 0.38% to 25,942.10.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, was up 6.22% to 9.72.
HDFC Bank, Reliance Industries and ICICI Bank were the top-traded individual stock futures contracts in the F&O segment of the NSE.
The December 2025 F&O contracts will expire on 30 December 2025.