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The paid up share capital of the Bank will accordingly increase from 15,41,85,97,348 equity shares of Re. 1/- each to 15,42,77,35,870 equity shares of Re.1/- each.
Standalone net interest income increased 9.7% YoY to Rs 34,620 crore, while net revenue stood at Rs 48,450 crore, compared with Rs 45,900 crore a year ago.
The bank's net interest margin stood at 3.16% on total assets and 3.32% on interest-earning assets. Its cost-to-income ratio was 39.1%.
Interest earned rose 8.8% to Rs 83,426.60 crore, while other income fell 3.6% to Rs 13,831.02 crore. Within other income, fees and commissions rose to Rs 9,690 crore from Rs 8,840 crore, and foreign exchange and derivatives revenue was Rs 1,550 crore against Rs 1,590 crore.
Profit before tax rose 6.1% YoY to Rs 25,909.80 crore from Rs 24,423.07 crore, and 3.2% from Rs 25,108.30 crore in Q1 FY27.
Operating profit before provisions and contingencies rose 5.6% YoY to Rs 29,483.42 crore from Rs 27,923.60 crore, and 4.7% from Rs 28,168.06 crore in the previous quarter. As a share of total income, operating profit was 30.3%, compared with 30.7% a year ago and 30.6% in Q1.
On costs, employee expenses rose 4.8% to Rs 6,774.17 crore, other operating expenses rose 5.9% to Rs 12,192.61 crore, and total operating expenses rose 5.5% to Rs 18,966.78 crore. Interest expended rose 8.1% to Rs 48,807.42 crore.
The bank's gross non-performing assets (NPAs) stood at Rs 35,809.70 crore as on September 2026, as against Rs 35,846.35 crore as on June 2026 and Rs 34,289.48 crore as on September 2025.
The ratio of gross NPAs to gross advances stood at 1.11% as on September 2026, as against 1.17% as on June 2026 and 1.24% as on September 2025.
The ratio of net NPAs to net advances stood at 0.37% as on September 2026, as against 0.41% as on June 2026 and 0.42% as on September 2025.
The bank's provisions and contingencies rose 2.09% to Rs 3,573.62 crore in Q2 September 2026 over Q2 September 2025. The total credit cost ratio was 0.44% for Q2 FY27.
Average deposits grew 16.8% YoY to Rs 31,66,400 crore in Q2 FY27, while average CASA deposits increased 10.7% to Rs 971,200 crore. Total deposits rose 18.8% YoY to Rs 3,327,400 crore as of 30 September 2026. CASA deposits accounted for 31.6% of total deposits. Time deposits rose 22.8% to Rs 2,275,500 crore, while savings account deposits stood at Rs 716,300 crore and current account deposits at Rs 335,600 crore.
Gross advances increased 16.3% YoY to Rs 3,219,500 crore as of 30 September 2026. Retail loans grew 11.7% YoY, loans to small and mid-market enterprises increased 23.5% YoY, and corporate and other wholesale loans rose 16.4% YoY. Advances under management grew 15.3% YoY, and overseas advances made up 3.3% of total advances.
The bank’s capital adequacy ratio stood at 18.9% as of 30 September 2026, down from 20.0% a year ago, against the regulatory requirement of 11.9%. Its Tier 1 capital adequacy ratio was 17.2%, while the Common Equity Tier 1 ratio stood at 17.1%.
HDFC Bank's branch network grew to 9,706 branches across 4,177 cities and towns as of 30 September 2026, while its ATM count declined to 20,881. The bank had 2,10,109 employees, down from 2,20,339 a year ago.
Among subsidiaries, HDB Financial Services’ profit after tax (PAT) rose 34.2% YoY to Rs 780 crore in Q2. HDFC Securities’ PAT rose 26.1% to Rs 270 crore, and HDFC Life’s PAT rose 13.6% to Rs 510 crore. HDFC AMC’s PAT rose 4.17% to Rs 750 crore from Rs 720 crore a year ago, while HDFC ERGO General Insurance’s PAT fell 11.11% to Rs 160 crore from Rs 180 crore.
Shares of HDFC Bank rose 0.28% to settle at Rs 728.85 on 16 October 2026.
In the cash market, the Nifty 50 index surged 148.80 points or 0.65% to 23,146.15.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rose 0.35% to 14.08.
HDFC Bank, Infosys and Tata Consultancy Services (TCS) were the top-traded individual stock futures contracts in the F&O segment of the NSE.
The October 2026 F&O contracts will expire on 27 October 2026.
In the cash market, the Nifty 50 index surged 374.65 points or 1.66% to 22,997.35.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, declined 4.58% to 13.96.
HDFC Bank, Reliance Industries and Yes Bank 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 99.25 points or 0.44% to 22,622.70.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rallied 3.39% to 14.60.
Infosys, HDFC Bank and Tata Consultancy Services (TCS) were the top-traded individual stock futures contracts in the F&O segment of the NSE.
In the cash market, the Nifty 50 index dropped 157.10 points or 0.70% to 22,363.35.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, jumped 5.98% to 15.24
HDFC Bank, HCL Technologies and Avenue Supermarts (DMart) were the top-traded individual stock futures contracts in the F&O segment of the NSE.
New Listing:
Acevector (Snapdeal), Orient Cables, German Green Steel & Power and Runawal Enterprises are scheduled to list on the stock exchanges today.
Acevector (Snapdeal) is scheduled to list on the stock exchanges today. The issue opened for bidding on 25 September 2026 and will close on 29 September 2026. The price band of the IPO was fixed between Rs 30 and 32 per share.
Orient Cables will make its stock market debut today. The issue opened for bidding on 25 September 2026 and closed on 29 September 2026. The price band of the IPO was fixed between Rs 258 and 272 per share.
German Green Steel & Power will list on the stock exchange today. The issue opened for bidding on 25 September 2026 and closed on 29 September 2026. The price band of the IPO was fixed between Rs 132 and 139 per share.
Runawal Enterprises is slated to enter the stock market today. The issue opened for bidding on 25 September 2026 and closed on 29 September 2026. The price band of the IPO was fixed between Rs 290 and 305 per share.
Stocks to Watch:
HDFC Bank announced that Reserve Bank of India (RBI) approved the appointment of Anup Bagchi as managing director & chief executive officer (CEO) of the bank for a period of 3 years with effect from 27 October 2026. Anup Bagchi holds Management degree from Indian Institute of Management, Bangalore and an Engineering degree from Indian Institute of Technology, Kanpur. Bagchi served as executive director of ICICI Bank from 2017 to 2023.
ICICI Prudential Life Insurance appointed Siddhartha Mishra as its next Managing Director and Chief Executive Officer for a five-year term, marking a leadership transition at the insurer as current MD & CEO Anup Bagchi heads to HDFC Bank.
Bajaj Finance has reported 16.5% YoY increase in customer franchise for Q2 FY27, with the customer base rising to 128.85 million during the quarter ended 30 September 2026 from 110.64 million recorded in the same period last year.
MOIL has reported 19.1% increase in manganese ore production to 1.81 lakh tonnes in September 2026 from 1.52 lakh tonnes in September 2025.
Bajaj Housing Finance said that the company has disbursed funds aggregating to approximately Rs 19,930 crore in Q2 FY27 as compared to Rs 15,914 crore in Q2 FY26, thereby recording a growth of 25.24% on year-on-year (YoY) basis.
V-Mart Retail reported 18% jump in revenue from operations to Rs 953 crore in Q2 FY27 compared with Rs 807 crore in Q2 FY26. Same-store sales growth (SSSG) stood at 3% during the quarter, with V-Mart recording 2% growth and Unlimited 11%.
Mahindra & Mahindra Financial Services (Mahindra Finance) estimated its overall disbursements at approximately Rs 16,490 crore in Q2 FY27, registering a growth of around 22% year on year, excluding finance lease.
Avenue Supermarts (Dmart)’s standalone revenue from operations for the quarter ended (QE) 30 September 2026, stood at Rs 19,206.18 crore, up 18.42% YoY. The total number of stores as of September 30, 2026 stood at 518 (including one store at Sanpada, Navi Mumbai, Maharashtra currently closed for customers due to reconstruction).
Anup Bagchi holds Management degree from Indian Institute of Management, Bangalore and an Engineering degree from Indian Institute of Technology, Kanpur.
Bagchi served as executive director of ICICI Bank from 2017 to 2023, overseeing retail, business and rural banking, and subsequently Wholesale Banking. During his tenure, he played a key role in strengthening the bank's retail franchise, driving profitable growth while maintaining credit and cost discipline.
Since June 2023, Mr. Bagchi has been serving as MD & CEO of ICICI Prudential Life Insurance, leading one of India's largest private life insurers, which is publicly listed
HDFC Bank is India's largest private sector lender by market capitalisation. As of 30 June 2026, the bank's distribution network comprised 9,694 branches and 20,958 ATMs across 4,175 cities and towns.
The bank had reported a 4.98% increase in standalone net profit to Rs 19,059.72 crore in Q1 FY27 as against Rs 18,155.21 crore posted in Q1 FY26. Total income declined 7.08% year on year (YoY) to Rs 92,184.38 crore during the period under review.
The scrip advanced 1.36% to end at Rs 719.35 on the BSE.