HDFC Bank Limited HDFCBANK NIFTY50NSEAIFINANCIAL

Financial Services · Banks - Regional · India

https://www.hdfc.bank.in

HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment, commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.

Market & Price

Market Cap

₹11.46 L Cr

Current Price

₹744.55

High / Low (52W)

₹1,012.90 / ₹731.55

Beta

0.48

Valuation

Stock P/E

16.61

Industry PE

19.12

Forward P/E

11.85

PEG Ratio

0.89

Book Value

₹380.71

Price to Book

1.96

P/S

4.05

EV/EBITDA

Dividend Yield

1.75%

Profitability & Returns

ROCE

ROE

13.82%

ROA

1.70%

Profit Margin

26.83%

Op Margin

40.54%

EPS (Latest Qtr)

₹10.56

EPS (TTM)

₹44.82

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

₹5.88 L Cr

Total Assets

₹48.19 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

0.17%

Chg in Prom Hold

FII / Inst Holding

60.05%

Chg in FII Hold

-0.01%

Financial Snapshot

Enterprise Value

₹14.45 L Cr

Total Revenue (TTM)

₹2.83 L Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-2.75 L Cr

Shares Outstanding

₹1,539.62 Cr

Gross Margin

0.00%

Payout Ratio

21.76%

Growth (CAGR)

Revenue 5Y

32.50%

Profit 5Y

20.39%

Revenue (YoY)

-1.80%

Earnings (YoY)

7.50%

PROS

Excellent profit margin of 26.8%.
Compounding revenue at 32.5% over 5 years.
Profit CAGR of 20.4% over 5 years.

CONS

Trading 26.5% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
2	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
3	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
4	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
5	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
6	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
7	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
8	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%
9	JIOFIN Jio Financial Services Limited NIFTY50NSEAIFINANCIAL	238.95	99.15	₹1.58 L Cr	0.21%	1.63%	1.21%	407.38%	268.28%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Revenue	19,555.45 Cr	65,279.66 Cr	95,305.89 Cr	85,346.46 Cr
Cost of Revenue	-	-	-	-
Gross Profit	-	-	-	-
Operating Expenses	-	-	-	-
Operating Income	-	-	-	-
EBITDA	-	-	-	-
Interest Expense	44,466.37 Cr	46,914.28 Cr	45,439.71 Cr	47,708.51 Cr
Pretax Income	20,769.92 Cr	23,972.87 Cr	15,485.96 Cr	20,849.83 Cr
Tax Provision	3,270.56 Cr	5,632.76 Cr	988.43 Cr	3,759.40 Cr
Net Income	17,381.05 Cr	17,656.61 Cr	15,393.46 Cr	16,257.91 Cr
Diluted EPS	-	11.50	12.26	10.56

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	1.02 L Cr	1.21 L Cr	1.99 L Cr	2.37 L Cr
Cost of Revenue	-	-	-	-
Gross Profit	-	-	-	-
Operating Expenses	-	-	-	-
Operating Income	-	-	-	-
EBITDA	-	-	-	-
Interest Expense	58,429.75 Cr	77,553.82 Cr	1.53 L Cr	1.82 L Cr
Pretax Income	51,916.22 Cr	66,238.18 Cr	70,545.90 Cr	86,154.62 Cr
Tax Provision	13,255.92 Cr	16,611.74 Cr	7,782.71 Cr	17,501.49 Cr
Net Income	38,600.04 Cr	49,544.69 Cr	62,265.66 Cr	67,350.83 Cr
Diluted EPS	34.69	44.34	44.16	44.81

Compounded Sales Growth

5 Years:	32.50%
1 Year:	-1.80%

Compounded Profit Growth

5 Years:	20.39%
1 Year:	7.50%

Stock Price Performance

1 Year:	-21.70%
6 Months:	-24.78%
3 Months:	-18.23%
1 Month:	-3.52%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Total Assets	21.11 L Cr	25.76 L Cr	44.12 L Cr	48.19 L Cr
Current Assets	-	-	-	-
Cash & Equivalents	1.60 L Cr	2.36 L Cr	3.43 L Cr	3.22 L Cr
Inventory	-	-	-	-
Receivables	13,649.29 Cr	19,453.34 Cr	24,994.00 Cr	32,323.07 Cr
Total Liabilities	18.60 L Cr	22.84 L Cr	36.23 L Cr	39.56 L Cr
Current Liabilities	-	-	-	-
Long Term Debt	1.55 L Cr	1.96 L Cr	6.65 L Cr	5.87 L Cr
Total Debt	2.19 L Cr	3.15 L Cr	8.09 L Cr	7.33 L Cr
Total Equity	2.50 L Cr	2.91 L Cr	6.95 L Cr	7.68 L Cr
Shares Outstanding	1,109.11 Cr	1,115.95 Cr	1,519.38 Cr	1,530.44 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Operating Cash Flow	58,101.82 Cr	47,720.06 Cr	1.02 L Cr	1.20 L Cr
Investing Cash Flow	-3.30 L Cr	-4.39 L Cr	-3.67 L Cr	-3.72 L Cr
Financing Cash Flow	2.91 L Cr	4.17 L Cr	3.35 L Cr	2.42 L Cr
Capital Expenditure	-2,632.44 Cr	-4,362.03 Cr	-5,383.80 Cr	-6,639.73 Cr
Free Cash Flow	55,469.38 Cr	43,358.03 Cr	96,848.44 Cr	1.13 L Cr
Net Change in Cash	19,084.59 Cr	25,832.80 Cr	69,709.69 Cr	-10,109.02 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Gross Margin %	-	-	-	-
Operating Margin %	-	-	-	-
Net Margin %	37.9%	41.1%	31.3%	28.4%
ROE %	15.4%	17.0%	9.0%	8.8%
ROCE %	-	-	-	-

Shareholding Pattern

Insiders

0.17%

Institutions

60.05%

Public Float

60.15%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Legato Capital Management LLC	-	33,709	₹2.51 Cr

Analyst View

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HDFCBANK · Financial Services

HDFC Bank Limited

About

AI Exposure AI

Banking / AI in Financial Services

HDFC Bank's AI strategy centres on EVA (intelligent virtual assistant with 500M+ interactions), AI-powered credit risk models for retail/SME lending, and fraud detection (AI flags 95%+ of fraud transactions). SmartHub Vyapar (merchant app) uses AI for cash-flow-based lending. Also using AI for ATM predictive maintenance and branch footfall optimization.

AI Investment	₹10,000+ Cr annual IT spend; significant allocation to AI/ML capabilities, cloud migration (Azure/AWS), and data lake. Key vendor relationships with IBM, Salesforce Einstein, and internal AI team of 1,000+ data scientists.
AI Revenue	AI contributes indirectly — Net interest income ~₹90,000 Cr (FY25). AI-driven cross-sell lifting product per customer metrics. Fraud prevention AI saving est. ₹1,000-2,000 Cr annually.
ROI Today	ROA ~1.9%, ROE ~16-17% — among the best in Indian banking. AI helping protect asset quality (GNPA <1.4%) and improving cost-to-income ratio (trending toward 40%). Credit card and personal loan AI-underwriting models class-leading.
ROI Expected	AI-led operational efficiency to improve cost-to-income by 200-300 bps by FY27. AI personalisation expected to lift retail loan cross-sell ratio. Merger synergies from ex-HDFC mortgage AI risk models fully realised by FY26.

Curated estimates from public filings and analyst commentary; figures are illustrative.

Business Profile

Revenue by Segment as of FY24

Retail Banking 45%
Wholesale Banking 30%
Treasury 15%
Other Banking Business 10%

Revenue by Geography as of FY24

India 98%
International (Bahrain, Hong Kong, Singapore, Dubai) 2%

Highlights

Merger: Completed the merger with Housing Development Finance Corporation (HDFC Ltd.) in July 2023, significantly expanding its loan book and customer base.
Branch Network Expansion: Continuously expanding its physical branch network, particularly in semi-urban and rural areas across India, to enhance accessibility and deepen market penetration.
Digital Transformation: Investing heavily in digital banking initiatives, including mobile banking, online platforms, and payment solutions, to improve customer experience and operational efficiency.
Asset Quality: Maintains a strong focus on asset quality and risk management, consistently reporting lower non-performing asset (NPA) ratios compared to industry averages.

Strategic Focus

HDFC Bank's forward strategy centers on leveraging its expanded scale post-merger to drive growth across retail and wholesale segments. The bank aims to deepen its presence in underserved markets through branch expansion and digital outreach, while maintaining a strong emphasis on asset quality and technological innovation to enhance customer experience and operational efficiency.

Curated from company disclosures, investor presentations, and public filings.

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	India
Employees	211,178
Website	https://www.hdfc.bank.in

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HDFC Bank Limited HDFCBANK NIFTY50NSEAIFINANCIAL

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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