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HDFC Bank Limited HDFCBANK NIFTY50NSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.hdfc.bank.in
Company Profile ↓
₹815.55
-17.15% 1Y
Mkt Cap₹12.48 L Cr
P/E16.51
P/B2.15
Div. Yield1.58%
52W High₹996.42
52W Low₹719.65
Book Value₹379.96
EPS (TTM)₹49.39

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 20.4% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 32.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 16.5, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 22.7%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹3.49 L Cr (+47.0% YoY); net profit ₹79,219.00 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +47.0%, earnings +17.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 32.5%, profit CAGR 20.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:32.50%
1 Year:47.00%

Compounded Profit Growth

5 Years:20.39%
1 Year:17.62%

Stock Price Performance

1 Year:-17.15%
6 Months:-11.52%
3 Months:+3.64%
1 Month:+5.62%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Banking / AI in Financial Services
Core Focus

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.

Key Initiatives
  • AI in underwriting, risk & fraud HDFC Bank applies ML across credit scoring, fraud detection and early-warning systems on India's largest private-bank balance sheet.
  • AI-led digital banking & cross-sell AI personalisation and conversational banking deepen cross-sell across a vast customer base, lowering cost-to-serve.
  • Operations & process automation AI/RPA at scale across service, collections and back-office processes drives efficiency.
Why Investors Should Care
  • AI compounds on India's largest private-bank franchise — an enormous data and distribution moat.
  • Strong ~20% five-year profit CAGR post-merger with an undemanding P/E ~16.
  • AI directly supports credit costs, cross-sell and cost-to-income.
  • Merger integration and deposit-mobilisation execution are the swing factors.
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 RevenueAI 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 (Now)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 from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 22.7%.
  • Compounding revenue at 32.5% over 5 years.
  • Profit CAGR of 20.4% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
16.51
Industry PE
19.81
Forward P/E
12.96
PEG Ratio
0.89
Book Value
₹379.96
Price to Book
2.15
P/S
4.45
EV/EBITDA
-
Dividend Yield
1.58%

Growth (CAGR)

Revenue 5Y
32.50%
Profit 5Y
20.39%
Revenue (YoY)
47.00%
Earnings (YoY)
17.62%

Profitability & Returns

ROCE
-
ROE
13.62%
ROA
1.61%
Profit Margin
22.72%
Op Margin
40.54%
Gross Margin
0.00%
EPS (Latest Qtr)
₹13.22
EPS (TTM)
₹49.39

Balance Sheet & Liquidity

Debt/Equity
1.26
Quick Ratio
-
Current Ratio
-
Debt
₹7.33 L Cr
Total Assets
₹44.56 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.15%
Chg in Prom Hold
-0.00%
FII / Inst Holding
61.10%
Chg in FII Hold
3.22%

Financial Snapshot

Enterprise Value
₹12.48 L Cr
Total Revenue (TTM)
₹3.49 L Cr
EBITDA
-
Free Cash Flow
₹1.10 L Cr
Operating Cash Flow
₹1.14 L Cr
Shares Outstanding
₹1,530.44 Cr
Gross Margin
0.00%
Payout Ratio
21.76%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
2 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
3 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
4 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
5 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
6 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,044.20 19.61 ₹1.96 L Cr 1.32% - 15.21% 13.92% 18.59%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 47,548.00 Cr51,168.00 Cr75,039.00 Cr78,008.00 Cr79,434.00 Cr81,546.00 Cr19,555.45 Cr65,279.66 Cr95,305.89 Cr85,346.46 Cr86,994.00 Cr87,067.00 Cr87,182.00 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 17,770.00 Cr18,470.00 Cr45,349.00 Cr50,530.00 Cr62,938.00 Cr49,690.00 Cr----45,161.00 Cr54,145.00 Cr44,028.00 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 22,606.00 Cr25,955.00 Cr41,250.00 Cr43,242.00 Cr43,692.00 Cr44,580.00 Cr44,466.37 Cr46,914.28 Cr45,439.71 Cr47,708.51 Cr46,741.00 Cr45,821.00 Cr45,220.00 Cr
Pretax Income 16,783.00 Cr16,597.00 Cr20,967.00 Cr21,243.00 Cr17,761.00 Cr22,727.00 Cr20,769.92 Cr23,972.87 Cr15,485.96 Cr20,849.83 Cr26,659.00 Cr26,961.00 Cr27,672.00 Cr
Tax Provision 4,195.75 Cr4,149.25 Cr3,564.39 Cr3,611.31 Cr-177.61 Cr5,454.48 Cr3,270.56 Cr5,632.76 Cr988.43 Cr3,759.40 Cr6,398.16 Cr6,201.03 Cr6,641.28 Cr
Net Income 12,634.00 Cr12,403.00 Cr17,312.00 Cr17,718.00 Cr18,013.00 Cr17,188.00 Cr17,381.05 Cr17,656.61 Cr15,393.46 Cr16,257.91 Cr20,364.00 Cr20,691.00 Cr21,074.00 Cr
Diluted EPS 11.2911.0611.0911.3711.6010.83-11.5012.2610.5612.7612.8713.22

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 50,666.00 Cr63,162.00 Cr73,271.00 Cr85,288.00 Cr1.05 L Cr1.22 L Cr1.29 L Cr1.02 L Cr1.21 L Cr1.99 L Cr2.37 L Cr3.49 L Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 16,164.00 Cr20,055.00 Cr23,856.00 Cr29,532.00 Cr34,856.00 Cr45,459.00 Cr52,457.00 Cr----2.08 L Cr
Operating Income ------------
EBITDA ------------
Interest Expense 27,288.00 Cr34,070.00 Cr38,042.00 Cr42,381.00 Cr53,713.00 Cr62,137.00 Cr59,248.00 Cr58,429.75 Cr77,553.82 Cr1.53 L Cr1.82 L Cr1.85 L Cr
Pretax Income 16,079.00 Cr19,511.00 Cr23,393.00 Cr28,464.00 Cr34,318.00 Cr38,195.00 Cr42,796.00 Cr51,916.22 Cr66,238.18 Cr70,545.90 Cr86,154.62 Cr1.02 L Cr
Tax Provision 5,306.07 Cr6,633.74 Cr8,187.55 Cr9,962.40 Cr12,011.30 Cr11,076.55 Cr11,126.96 Cr13,255.92 Cr16,611.74 Cr7,782.71 Cr17,501.49 Cr22,471.02 Cr
Net Income 10,703.00 Cr12,821.00 Cr15,317.00 Cr18,561.00 Cr22,446.00 Cr27,296.00 Cr31,857.00 Cr38,600.04 Cr49,544.69 Cr62,265.66 Cr67,350.83 Cr79,219.00 Cr
Diluted EPS 10.6612.6614.9117.8320.5024.8528.8734.6944.3444.1644.8149.39

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 6.07 L Cr7.62 L Cr8.92 L Cr11.03 L Cr12.93 L Cr15.81 L Cr18.00 L Cr21.11 L Cr25.76 L Cr44.12 L Cr48.19 L Cr49.08 L Cr
Current Assets ------------
Cash & Equivalents -------1.60 L Cr2.36 L Cr3.43 L Cr3.22 L Cr-
Inventory ------------
Receivables -------13,649.29 Cr19,453.34 Cr24,994.00 Cr32,323.07 Cr-
Total Liabilities -------18.60 L Cr22.84 L Cr36.23 L Cr39.56 L Cr-
Current Liabilities ------------
Long Term Debt -------1.55 L Cr1.96 L Cr6.65 L Cr5.87 L Cr-
Total Debt -------2.19 L Cr3.15 L Cr8.09 L Cr7.33 L Cr-
Total Equity 63,154.00 Cr74,304.00 Cr91,794.00 Cr1.10 L Cr1.54 L Cr1.76 L Cr2.10 L Cr2.50 L Cr2.91 L Cr6.95 L Cr7.68 L Cr5.82 L Cr
Shares Outstanding -------1,109.11 Cr1,115.95 Cr1,519.38 Cr1,530.44 Cr-

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -21,281.00 Cr-34,435.00 Cr17,282.00 Cr17,214.00 Cr-62,872.00 Cr-16,869.00 Cr42,476.00 Cr58,101.82 Cr47,720.06 Cr1.02 L Cr1.20 L Cr1.14 L Cr
Investing Cash Flow -800.00 Cr-837.00 Cr-1,146.00 Cr-842.00 Cr-1,503.00 Cr-1,403.00 Cr-1,823.00 Cr-3.30 L Cr-4.39 L Cr-3.67 L Cr-3.72 L Cr6,363.00 Cr
Financing Cash Flow 18,694.00 Cr37,815.00 Cr-5,893.00 Cr57,378.00 Cr23,131.00 Cr24,394.00 Cr-7,321.00 Cr2.91 L Cr4.17 L Cr3.35 L Cr2.42 L Cr-59,005.00 Cr
Capital Expenditure -739.00 Cr-866.00 Cr-1,148.00 Cr-837.00 Cr-1,598.00 Cr-1,617.00 Cr-1,680.00 Cr-2,632.44 Cr-4,362.03 Cr-5,383.80 Cr-6,639.73 Cr-3,362.00 Cr
Free Cash Flow -22,020.00 Cr-35,301.00 Cr16,134.00 Cr16,377.00 Cr-64,470.00 Cr-18,486.00 Cr40,796.00 Cr55,469.38 Cr43,358.03 Cr96,848.44 Cr1.13 L Cr1.10 L Cr
Net Change in Cash -3,387.00 Cr2,542.00 Cr10,242.00 Cr73,750.00 Cr-41,244.00 Cr6,122.00 Cr33,332.00 Cr19,084.59 Cr25,832.80 Cr69,709.69 Cr-10,109.02 Cr60,864.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 21.1%20.3%20.9%21.8%21.3%22.3%24.8%37.9%41.1%31.3%28.4%22.7%
ROE % 16.9%17.3%16.7%16.9%14.6%15.5%15.2%15.4%17.0%9.0%8.8%13.6%
ROCE % ------------

Shareholding Pattern

Insiders
0.15%
Institutions
61.10%
Public Float
61.19%

Top Institutional Holders

#Holder% HeldSharesValue
1 Legato Capital Management LLC - 33,709 ₹2.76 Cr

Analyst View

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Latest News

Recent headlines for HDFCBANK

Google News ue, 14 Jul 2026

HDFC Bank Limited $HDB Shares Acquired by Principal Financial Group Inc. - MarketBeat

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Google News Mon, 06 Jul 2026

Indian shares rise to 10-week high; HDFC Bank leads after strong Q1 growth - Reuters

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Google News Wed, 17 Jun 2026

HDFC Bank (HDB) Fell as Deposit Fell Short of Expectations - Yahoo Finance

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Google News ue, 26 May 2026

HDFC Bank Faces A New Banking Reality (NYSE:HDB) - Seeking Alpha

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Google News ue, 14 Jul 2026

Moody’s affirms Baa3 ratings for HDFC Bank, SBI with stable outlook; check 2026 stock performance - Upstox

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Google News Sat, 11 Jul 2026

HDFC Bank (HDB) Projected to Release Earnings on Saturday - MarketBeat

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HDFCBANK — Frequently Asked Questions

What is the current share price of HDFC Bank Limited (HDFCBANK)?

As of 2026-07-15 09:52 IST, HDFC Bank Limited (HDFCBANK) trades at ₹815.55 on NSE. Its 52-week range is ₹719.65 to ₹996.42.

What is the market capitalisation of HDFCBANK?

HDFC Bank Limited (HDFCBANK) has a market capitalisation of ₹12.48 L Cr on NSE.

What is the P/E ratio of HDFCBANK?

HDFCBANK trades at a trailing price-to-earnings (P/E) ratio of 16.51. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.15.

Does HDFCBANK pay a dividend?

HDFC Bank Limited (HDFCBANK) currently offers a dividend yield of 1.58%.

What is the return on equity (ROE) of HDFCBANK?

HDFCBANK has a return on equity (ROE) of 13.62%.

Is HDFCBANK a good stock to buy?

This page provides a data-driven analysis of HDFC Bank Limited (HDFCBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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