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Net interest income (interest earned less interest expended) for the quarter ended 30 September 2025 grew by 4.8% to 31,550 crore from Rs 30,110 crore for the quarter ended 30 September 2024. Core net interest margin was at 3.27% on total assets, reflecting assets repricing faster than deposits, as against 3.35% for the prior quarter ended 30 June 2025.
Operating expenses for the quarter ended 30 September 2025 were Rs 17,980 crore, as against Rs 16,890 crore during the corresponding quarter of the previous year. The cost-to-income ratio for the quarter was at 39.2%.
Provisions and contingencies for the quarter ended 30 September 2025 were Rs 3500 crore, up 29.6% YoY. The total credit cost ratio was at 0.51% for the quarter ended 30 September 2025.
Profit before tax (PBT) for Q2 FY26 was at Rs 24,423 crore, up 11% YoY.
Gross non-performing assets were at 1.24% of gross advances as on 30 September 2025, as against 1.40% as on 30 June 30, 2025, and 1.36% as on 30 September 2024.
Net non-performing assets were at 0.42% of net advances as on 30 September 2025, as against 0.47% as on 30 June 30, 2025, and 0.41% as on 30 September 2024.
Total balance sheet size as of 30 September 2025 was Rs 40,03,000 crore as against Rs 36,88,100 crore as of 30 September 2024.
The bank's average deposits were Rs 27,10,500 crore for the September 2025 quarter, a growth of 15.1% over Rs 23,54,000 crore for the September 2024 quarter, and 2.0% over Rs 26,57,600 crore for the June 2025 quarter. The bank's average CASA deposits were Rs 8,77,000 crore for the September 2025 quarter, a growth of 8.5% over Rs 8,08,400 crore for the September 2024 quarter, and 1.9% over Rs 8,60,400 crore for the June 2025 quarter.
Gross advances were at Rs 27,69,200 crore as of 30 September 2025, an increase of 9.9% over 30 September 2024. Advances under management grew by 8.9% over 30 September 2024. Retail loans grew by 7.4%, small and mid-market enterprises loans grew by 17.0% and corporate and other wholesale loans grew by 6.4%. Overseas advances constituted 1.8% of total advances.
The bank's total capital adequacy ratio (CAR) as per Basel III guidelines was at 20.0% as on 30 September 2025 (19.8% as on 30 September 2024) as against a regulatory requirement of 11.9%. Tier 1 CAR was at 17.9% and common equity tier-1 capital ratio was at 17.5% as of 30 September 2025. Risk-weighted assets were at Rs 27,84,100 crore.
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 scrip rose 0.83% to end at Rs 1002.50 on the BSE on Friday.
Axis Bank Ltd gained 2.99% today to trade at Rs 1204. The BSE BANKEX index is up 0.86% to quote at 64485.33. The index is up 4.07 % over last one month. Among the other constituents of the index, Kotak Mahindra Bank Ltd increased 1.6% and HDFC Bank Ltd added 0.71% on the day. The BSE BANKEX index went up 9.72 % over last one year compared to the 1.79% surge in benchmark SENSEX.
Axis Bank Ltd has added 7.38% over last one month compared to 4.07% gain in BSE BANKEX index and 0.7% rise in the SENSEX. On the BSE, 69778 shares were traded in the counter so far compared with average daily volumes of 2.01 lakh shares in the past one month. The stock hit a record high of Rs 1247 on 27 Jun 2025. The stock hit a 52-week low of Rs 934 on 27 Jan 2025.
The private lender’s average deposits for the quarter were at Rs 27,10,500 crore, up around 15.1% from Rs 23,54,000 crore in the year-ago quarter, and a 2% increase from Rs 26,57,600 crore recorded in the previous quarter.
The bank’s average CASA (Current Account Savings Account) deposits rose to Rs 8,77,000 crore in Q2 September 2025, reflecting an 8.5% growth from Rs 8,08,400 crore posted in the same quarter last year, and a 1.9% increase compared to Rs 8,60,400 crore in June 2025.
Average time deposits rose 18.6% year-on-year to Rs 18,33,500 crore and were up 2% from Rs 17,97,200 crore posted in the previous quarter.
On a period-end basis, advances under management stood at approximately Rs 28,69,000 crore as of 30 September 2025, up 8.9% from Rs 26,33,400 crore a year ago and 3.1% higher than Rs 27,82,000 crore as of 30 June 2025.
The bank’s gross advances were around Rs 27,69,000 crore, a 9.9% increase compared to Rs 25,19,000 crore as of 30 September 2024.
Deposits totaled approximately Rs 28,01,500 crore, up 12.1% from Rs 25,00,100 crore a year ago and 1.4% from Rs 27,64,100 crore at the end of June 2025.
CASA deposits were around Rs 9,49,000 crore, up 7.4% from Rs 8,83,600 crore as of 30 September 2024 and 1.3% higher than Rs 9,37,000 crore as of 30 June 2025.
The private lenders time deposits were approximately Rs 18,52,500 crore, showing a growth of 14.6% over Rs 16,16,500 crore as of 30 September 2024, and a 1.4% increase compared to Rs 18,27,100 crore as of 30 June 2025.
HDFC Bank's consolidated net revenue was Rs 85,350 crore for the quarter ended June 2025. The consolidated profit after tax for the quarter ended June 2025 was Rs 16,260 crore. As of June 2025, the bank's distribution network was at 9,499 branches and 21,251 ATMs across 4,153 cities I towns as against 8,851 branches and 21,163 ATMs across 4,081 cities / towns as of June 2024.
On a period-end basis, advances under management stood at approximately Rs 28,69,000 crore as of 30 September 2025, up 8.9% from Rs 26,33,400 crore a year ago, and 3.1% higher than Rs 27,82,000 crore as of 30 June 2025.
The bank’s period-end gross advances were around Rs 27,69,000 crore, a 9.9% increase compared to Rs 25,19,000 crore as of 30 September 2024.
Period-end deposits totaled approximately Rs 28,01,500 crore, up 12.1% from Rs 25,00,100 crore a year ago and 1.4% from Rs 27,64,100 crore at the end of June 2025.
CASA deposits at period-end were around Rs 9,49,000 crore, up 7.4% from Rs 8,83,600 crore as of 30 September 2024 and 1.3% higher than Rs 9,37,000 crore as of 30 June 2025.
The private lenders time deposits at the end of the quarter were approximately Rs 18,52,500 crore, showing a growth of 14.6% over Rs 16,16,500 crore as of 30 September 2024, and a 1.4% increase compared to Rs 18,27,100 crore as of 30 June 2025.
In the cash market, the Nifty 50 index gained 57.95 points or 0.23% to 24,894.25.
The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, dropped 2.21% to 10.06.
Tata Motors, HDFC Bank and Reliance Industries were the top-traded individual stock futures contracts in the F&O segment of the NSE.
The October 2025 F&O contracts will expire on 28 October 2025.
HDFC Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 964.35, up 1.4% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.66% on the day, quoting at 24773.05. The Sensex is at 80791.81, up 0.65%. HDFC Bank Ltd has risen around 2.1% in last one month.
Meanwhile, Nifty Bank index of which HDFC Bank Ltd is a constituent, has risen around 2.98% in last one month and is currently quoting at 54635.85, up 1.14% on the day. The volume in the stock stood at 119.86 lakh shares today, compared to the daily average of 183.94 lakh shares in last one month.
The benchmark October futures contract for the stock is quoting at Rs 968.35, up 1.28% on the day. HDFC Bank Ltd is up 14.67% in last one year as compared to a 1.89% drop in NIFTY and a 6.59% drop in the Nifty Bank index.
The PE of the stock is 21.08 based on TTM earnings ending June 25.