NSE 500 — The Filing Layer   CompaniesCoverageDocument library

HDFC Bank Ltd.

HDFCBANKFinancial ServicesR3 verified document library

Coverage

DatasetOn diskUsableState
Results XBRL (NSE + BSE)913232 quarter-ends
Annual reports1111identity graded
Earnings calls98transcripts and analyst meets only
Shareholding2222
Related party33
Investor decks00cohort of 48 companies only

Financial statements (verified v2 store)

Quarterly values as filed, in INR crore, from the results XBRL; each cell carries its source instance and context in the cell title. Verification: 500 random source re-reads, 500 agree; identity failures 0. Ratios, segments and call linkage for this company ship in the next release.

Line2019-06-302019-09-302019-12-312020-03-312020-06-302020-09-302020-12-312021-03-312021-06-302021-09-302021-12-312022-03-312022-06-302022-09-302022-12-312023-03-312023-06-302023-09-302023-12-312024-03-312024-06-302024-09-302024-12-312025-03-312025-06-302025-09-302025-12-312026-03-312026-06-30
Interest / discount on advances and bills23,560.5024,333.9925,265.9099,079.6325,978.0025,119.7625,302.78102,299.1325,280.9626,163.7326,907.70106,295.3429,413.7632,629.9835,850.05135,767.3340,452.7756,896.5759,527.32217,979.3461,875.8262,707.3563,363.53251,953.6064,147.9163,309.6764,114.01256,192.4766,406.51
Income on investments5,250.425,091.385,155.3620,572.735,599.415,622.455,807.9323,211.626,476.456,443.706,474.6825,907.067,137.227,680.847,964.8631,173.308,877.0016,091.8116,573.2657,524.8017,474.0717,826.6818,878.3073,912.0720,817.1721,328.3720,580.1182,656.8720,753.16
Interest on balances with RBI and inter-bank funds183.19425.05619.251,868.77641.58853.02588.012,414.30320.66708.41884.462,630.78319.65190.70265.681,149.25848.40489.98471.682,634.63636.42849.10925.263,172.52826.44738.86773.533,457.061,599.37
Other interest182.34166.46160.41668.17132.62147.04152.88627.35175.69204.60321.181,103.23403.18428.27921.522,664.17989.971,560.741,435.915,510.251,559.891,618.591,873.087,329.241,580.351,616.941,599.296,308.751,816.29
Interest earned29,176.4530,016.8831,200.92122,189.3032,351.6131,742.2731,851.60128,552.4032,253.7633,520.4434,588.02135,936.4137,273.8140,929.7945,002.11170,754.0551,168.1475,039.1078,008.17283,649.0281,546.2083,001.7285,040.17336,367.4387,371.8786,993.8487,066.94348,615.1590,575.33
Other income5,148.006,114.087,124.7824,878.984,346.986,696.207,987.1327,332.886,679.877,915.928,776.9431,758.996,928.518,252.319,120.7333,912.059,853.1532,527.5237,007.34124,345.7535,450.2938,455.0227,153.77134,548.5045,683.1031,566.7939,860.33146,847.6642,535.03
Total income34,324.4536,130.9638,325.70147,068.2836,698.5938,438.4739,838.73155,885.2838,933.6341,436.3643,364.96167,695.4044,202.3249,182.1054,122.84204,666.1061,021.29107,566.62115,015.51407,994.77116,996.49121,456.74112,193.94470,915.93133,054.97118,560.63126,927.27495,462.81133,110.36
Interest expended14,977.1515,558.4416,073.2762,137.4315,608.4915,033.1814,522.6859,247.5914,218.5014,415.2814,724.0258,584.3316,358.2618,310.7920,504.8677,779.9425,954.7641,249.9143,242.37154,138.5544,579.5045,414.2146,914.28183,894.2047,708.5146,740.8645,821.42185,491.2347,625.63
Payments to and provisions for employees3,017.453,194.793,331.0512,920.133,301.003,348.853,456.2813,676.673,643.743,931.434,121.2315,897.034,606.864,631.755,277.5320,016.855,951.167,789.057,860.2031,023.008,289.078,519.348,517.6634,135.758,897.469,317.5610,300.4937,604.819,342.49
Other operating expenses4,580.684,857.545,194.3020,115.924,105.085,258.615,723.5221,324.595,063.156,053.486,485.8824,415.406,748.227,518.048,160.2631,516.849,226.5534,248.5438,065.93121,246.3438,257.4640,285.9028,831.84142,469.3240,285.5431,561.4940,223.55143,569.1045,146.24
Operating expenses7,598.138,052.338,525.3533,036.057,406.088,607.469,179.8035,001.268,706.899,984.9110,607.1140,312.4311,355.0812,149.7913,437.7951,533.6915,177.7142,037.5945,926.13152,269.3446,546.5348,805.2437,349.50176,605.0749,183.0040,879.0550,524.04181,173.9154,488.73
Total expenditure excluding provisions and contingencies22,575.2823,610.7724,598.6295,173.4823,014.5723,640.6423,702.4894,248.8522,925.3924,400.1925,331.1398,896.7627,713.3430,460.5833,942.65129,313.6341,132.4783,287.5089,168.50306,407.8991,126.0394,219.4584,263.78360,499.2796,891.5187,619.9196,345.46366,665.14102,114.36
Operating profit before provisions and contingencies11,749.1712,520.1913,727.0851,894.8013,684.0214,797.8316,136.2561,636.4316,008.2417,036.1718,033.8368,798.6416,488.9818,721.5220,180.1975,352.4719,888.8224,279.1225,847.01101,586.8825,870.4627,237.2927,930.16110,416.6636,163.4630,940.7230,581.81128,797.6730,996.00
Provisions other than tax and contingencies2,914.343,091.203,477.9013,699.944,344.514,420.134,323.0518,840.295,366.334,712.673,815.7017,925.253,665.683,765.123,244.1913,854.083,292.103,311.744,603.9025,018.283,143.093,268.873,957.2914,174.6115,313.634,281.833,620.7126,656.223,802.84
Exceptional items0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00-1,384.460.00-801.530.00-2,647.920.00-753.100.00-3,193.490.00
Profit before tax8,834.839,428.9910,249.1838,194.869,339.5110,377.7011,813.2042,796.1410,641.9112,323.5014,218.1350,873.3912,823.3014,956.4016,936.0061,498.3916,596.7220,967.3821,243.1175,184.1422,727.3723,166.8923,972.8793,594.1320,849.8325,905.7926,961.1098,947.9627,193.16
Tax expense3,144.032,780.192,589.2210,898.592,398.632,666.333,053.0110,939.372,701.633,203.543,602.3612,722.493,206.633,793.814,200.5715,349.694,193.473,655.003,525.1111,122.105,539.325,340.985,632.7622,801.883,759.406,295.126,270.0622,921.996,810.47
Profit from ordinary activities after tax5,690.806,648.807,659.9627,296.276,940.887,711.378,760.1931,856.777,940.289,119.9610,615.7738,150.909,616.6711,162.5912,735.4346,148.7012,403.2517,312.3817,718.0064,062.0417,188.0517,825.9118,340.1170,792.2517,090.4319,610.6720,691.0476,025.9720,382.69
Extraordinary items0.000.000.000.000.00-8.510.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit for the period5,690.806,648.807,659.9627,296.276,940.887,702.868,760.1931,856.777,940.289,119.9610,615.7738,150.909,616.6711,162.5912,735.4346,148.7012,403.2517,312.3817,718.0064,062.0417,188.0517,825.9118,340.1170,792.2517,090.4319,610.6720,691.0476,025.9720,382.69
Profit after minority interest and share of associates5,676.066,638.037,659.6527,253.966,927.247,702.868,769.3331,833.217,922.099,096.1910,591.4638,052.759,579.1111,125.2112,698.3245,997.1112,370.3816,811.4117,257.8764,062.0416,474.8517,825.9117,656.6168,144.3316,257.9119,610.6719,806.6376,025.9719,244.71
Capital557.00759.69763.08765.221,536.371,539.34
Reserves and surplus261,759.31452,982.84477,794.04517,218.98537,607.51579,975.02
Deposits1,671,645.732,376,887.282,496,324.922,710,898.232,798,169.833,099,638.29
Borrowings251,743.29730,615.46666,038.88634,605.57599,507.24588,484.55
Other liabilities and provisions97,872.06468,948.99510,867.01528,929.42577,920.45638,403.64
TOTAL CAPITAL AND LIABILITIES2,283,577.394,030,194.264,151,787.934,392,417.424,514,741.404,908,040.84
Cash and balances with Reserve Bank of India88,061.50178,718.67194,486.02144,390.25133,210.73200,707.11
Balances with banks and money at call and short notice16,661.3650,115.8471,899.37105,557.6543,847.14111,218.94
Investments512,493.181,005,681.631,061,584.961,186,472.891,250,390.771,280,216.29
Advances1,533,945.172,565,891.412,585,710.032,724,938.162,853,902.563,050,783.23
Fixed assets6,828.0312,603.7614,170.6315,257.9415,537.7516,491.59
Other assets125,588.15217,182.95223,936.92215,800.53217,852.45248,623.68
TOTAL ASSETS2,283,577.394,030,194.264,151,787.934,392,417.424,514,741.404,908,040.84
Depreciation and amortisation774.421,680.731,105.252,345.471,511.113,092.081,888.043,805.232,061.484,194.90
Finance costs0.000.000.000.000.000.000.000.000.000.00
Impairment loss / reversal8,351.1113,286.958,321.7813,561.196,497.9312,540.056,411.960.006,973.5626,656.22
Share-based payments83.29341.24213.81787.06675.151,731.731,052.132,086.051,128.132,228.30
Unrealised foreign exchange losses / gains0.000.000.000.000.000.000.000.000.000.00
Dividend income0.000.000.000.000.000.000.000.000.000.00
Other non-cash items1,222.054,598.23879.811,530.27-2,778.066,487.18-167.8118,170.7813,001.21986.17
Other adjustments to reconcile profit0.000.000.000.000.000.00-9,654.26-22.03-3,440.627,739.96
Total adjustments to profit10,430.8719,907.1510,520.6518,223.995,870.2016,434.26-480.4624,048.0312,713.9734,597.37
Change in receivables-44,277.92-259,795.35-186,323.77-318,751.48-217,452.39-397,622.00-66,926.070.00-195,460.49-442,843.47
Change in other current assets-10,448.06-40,044.70-33,191.87-58,909.79-6,697.33-31,197.00-7,199.39-27,099.61-5,074.33-29,678.54
Change in payables71,765.25224,282.15112,856.79324,660.22131,156.29336,965.00119,437.640.0087,271.60388,740.06
Change in other current liabilities-4,694.277,655.958,612.7710,459.8611,883.6335,728.0036,090.1056,407.9731,314.4686,399.37
Provisions0.000.000.000.000.006,420.000.000.000.000.00
Total working capital adjustments12,345.00-67,901.95-98,046.08-42,541.19-81,109.80-49,706.0081,402.2829,308.36-81,948.762,617.42
Cash generated from operations45,741.282,878.59-59,745.7337,181.19-37,675.5041,912.40126,102.88146,950.52-23,311.69136,162.75
Income taxes paid, net of refunds6,877.9614,838.167,725.1516,367.497,925.3722,843.0012,303.1619,708.688,740.8222,656.37
NET CASH FROM OPERATING ACTIVITIES38,863.32-11,959.57-67,470.8820,813.70-45,600.8719,069.40113,799.72127,241.84-32,052.51113,506.38
Purchase of fixed assets934.422,236.241,260.313,466.571,732.504,286.721,792.034,075.891,385.603,889.97
Proceeds from sale of fixed assets7.8319.9114.900.0050.5399.8242.26100.72263.00527.56
Purchase of equity and debt instruments of other entities0.000.000.000.000.000.000.000.000.000.00
Sale of equity and debt instruments of other entities0.000.000.000.000.000.000.000.000.000.00
Dividends received (investing)0.000.000.000.000.000.000.000.000.000.00
NET CASH FROM INVESTING ACTIVITIES-926.59-2,216.33-1,245.41-3,423.89-1,681.975,313.77-1,817.24-3,850.648,551.536,362.72
Proceeds from issue of shares1,884.712,609.762,277.713,415.836,727.455,249.733,918.406,346.500.007,565.11
Proceeds from debentures, notes and bonds4,512.754,662.75-8,477.0010,923.000.002,120.000.003,564.880.000.00
Proceeds from borrowings9,313.1744,308.0832,404.2618,007.2935,430.58-7,342.84500.000.00400.00700.00
Repayment of borrowings0.000.000.000.000.000.0065,119.9697,562.7336,214.3448,895.19
Dividends paid3,592.403,592.408,604.528,604.528,404.428,404.4214,826.1914,826.1920,705.9820,705.98
Interest paid (financing)0.000.000.000.000.000.000.000.000.000.00
NET CASH FROM FINANCING ACTIVITIES12,157.5848,124.0217,678.0523,940.5645,192.767,198.65-74,473.43-102,477.54-49,773.79-59,004.85
Net change in cash before exchange differences50,094.3133,948.12-51,038.2441,330.37-2,090.0831,581.8237,509.0520,913.66-73,274.7760,864.25
Effect of exchange rate changes on cash65.97165.10375.37431.7173.63104.9441.83199.73384.741,113.90
NET CHANGE IN CASH AND CASH EQUIVALENTS50,160.2834,113.22-50,662.8741,762.08-2,016.4531,686.7637,550.8821,113.39-72,890.0361,978.15
Closing cash and cash equivalents per cash flow statement155,385.73104,722.86228,834.51249,947.90177,057.87311,926.05
Segment revenue: Retail Banking24,929.2927,100.7827,759.2828,210.5927,101.6227,683.6527,812.2027,612.7426,974.6728,214.0529,252.9430,748.2531,685.6335,125.1435,301.8640,160.5242,939.4860,859.0264,774.1165,065.2668,054.7970,014.7871,973.9273,391.3075,191.1875,584.5276,320.2274,757.5975,888.80
Segment revenue: Treasury6,291.926,275.407,083.746,907.388,001.268,098.778,201.908,035.748,644.338,650.429,191.607,898.777,379.647,909.959,550.789,482.5410,537.8715,897.6714,664.8220,553.3015,320.5914,567.8015,428.7316,910.3626,104.2120,609.2218,148.9617,295.9618,192.38
Segment revenue: Wholesale Banking15,059.6115,029.4315,769.4015,276.0114,183.5913,912.6314,329.9614,728.1214,406.9915,662.6318,725.7717,687.5418,642.0721,265.9825,374.5126,534.7628,332.8947,298.6349,743.7848,745.9247,173.9547,470.2147,683.0049,637.3544,790.2242,308.3742,764.0044,643.7148,670.85
Segment revenue: Unallocated0.660.000.001.530.000.000.0030.820.000.000.00-12.188.74403.471,044.761,091.801,399.020.000.000.000.000.000.000.00
Segment revenue: Other Banking Operations6,392.266,720.997,497.447,417.536,142.147,333.077,848.828,435.667,025.608,106.508,385.888,410.628,626.749,449.659,482.5910,286.0510,154.717,270.037,511.348,716.618,693.649,333.819,044.03
Segment revenue: Insurance Business26,013.0329,862.2531,001.9429,632.6331,439.6020,149.4426,408.6031,619.2422,798.9131,681.3621,980.3235,951.83
Segment revenue: Others3,147.353,433.613,750.413,662.614,517.504,584.064,372.174,414.834,721.005,240.915,130.724,974.15
Segment revenue: Other Banking Business8,318.927,994.169,165.179,573.119,548.429,265.09
Segment result (before tax and finance costs): Retail Banking3,067.144,023.643,184.212,667.472,220.052,655.181,507.184,192.391,090.362,077.181,959.264,096.442,700.503,077.504,409.063,976.483,569.065,938.605,725.88426.375,821.286,915.896,423.208,148.743,381.709,098.868,648.1810,897.9810,131.32
Segment result (before tax and finance costs): Treasury781.53695.21903.731,082.302,505.171,923.612,169.362,432.362,707.432,317.272,531.051,383.76266.1712.26774.941,043.121,354.901,823.491,883.469,128.251,706.33743.83924.511,230.6910,597.734,212.522,227.601,925.232,406.59
Segment result (before tax and finance costs): Wholesale Banking3,321.433,006.913,979.273,813.483,644.453,453.165,875.384,464.555,356.725,813.217,726.116,156.977,366.649,221.878,494.358,559.138,848.199,804.859,876.773,751.1510,776.1811,864.3111,497.0410,406.433,698.398,922.6210,927.9910,398.9610,364.04
Segment result (before tax and finance costs): Unallocated-432.99-427.67-428.88-414.25-405.68-396.85-422.84-365.62-376.90-445.13-483.80-280.96-400.73-96.81-12.36-591.35-618.05-551.29-368.95-593.94-586.06-601.03-591.22-589.46
Segment result (before tax and finance costs): Other Banking Operations2,097.722,130.902,610.852,532.861,375.522,742.602,684.12542.051,864.302,560.972,485.512,333.642,890.722,741.583,270.013,795.313,442.622,774.382,745.953,075.192,016.762,790.102,795.81
Segment result (before tax and finance costs): Insurance Business640.091,361.021,320.191,360.811,163.421,558.211,871.171,644.921,746.191,913.741,778.651,750.38
Segment result (before tax and finance costs): Others537.26451.43678.6083.98799.72568.11358.5791.71489.63787.42699.63334.48
Segment result (before tax and finance costs): Other Banking Business2,825.783,556.543,588.174,143.853,046.972,562.40
Basic earnings per share, before extraordinary items20.8012.1014.0049.8012.6014.0015.9057.9014.4016.4019.1068.8017.3020.0122.7882.6422.1522.2422.7490.4221.6723.4023.1192.8121.2312.7812.8849.5012.50
Diluted earnings per share, before extraordinary items20.6012.0013.9049.5012.6014.0015.8057.6014.3016.3019.0068.3017.2019.9322.6882.2722.0322.1222.6590.0121.5923.2923.0092.3921.1212.7112.8249.2812.47
Face value per share2.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.001.00
Share price at period end610.94613.72636.05430.95532.92539.30718.15746.83748.95797.47739.70735.17674.00710.67814.08804.78850.70763.15854.62723.95841.90866.03886.42914.101,000.75951.00991.20731.55797.95
Shares outstanding15,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.0015,586,468,071.00
Promoter and promoter group, %25.8325.8025.7825.7325.6425.6025.5925.520.000.000.000.000.000.000.00
Foreign institutions, %32.1532.1032.2433.3852.1352.3047.8347.1748.0149.2048.3048.8448.3947.6744.0541.83
of which foreign portfolio investors, % (pre-2025 taxonomy)0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
of which foreign portfolio investors category I, % (2025 taxonomy)46.2945.8445.2041.6739.61
Domestic institutions, %27.6928.3828.3426.9930.6430.8033.6035.4835.3134.5635.8635.9636.2637.1940.3241.92
of which mutual funds, %14.5414.9816.2818.0318.0018.3718.4717.6019.7119.4523.1724.8324.5323.9325.2325.6126.0226.6629.5430.62
of which insurance companies, %2.942.890.590.737.878.118.017.638.749.078.118.218.277.997.997.547.267.187.217.37
Non-institutions, %13.2513.6013.8914.6914.5213.9213.8414.1117.2316.8918.5717.3516.6716.2315.8415.2015.3515.1315.6416.25
Public, %74.1774.2074.2274.2774.3674.4074.4174.48100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00100.00
Total shares, as filed4,509,336,365.004,514,283,951.004,517,425,451.004,526,437,221.004,541,843,501.004,548,639,871.004,551,627,261.004,563,683,281.006,553,700,513.006,564,369,209.006,568,795,137.006,580,006,777.006,602,662,784.006,620,212,601.006,624,118,731.006,639,810,703.0013,307,492,668.0013,328,371,330.0013,337,162,442.0013,350,313,106.00
Claims agreeing within 2%0.000.000.00
Claims within 10%3.001.004.00
Claims diverging2.004.003.00
Adjusted, non-statutory measures quoted0.001.000.00
Segment or subset claims0.000.000.00
Forward-looking statements carrying a number0.000.001.001.000.000.000.000.00
Guidance raised0.000.000.000.000.000.000.000.00
Guidance lowered or narrowed0.000.000.000.000.000.000.000.00
Guidance maintained0.000.000.000.000.000.000.000.00
One-time, exceptional or non-recurring items called out0.001.000.000.000.001.000.000.00
Confidence ratio (confidence words / confidence + caution words)1.000.880.460.790.501.000.60

Earnings calls

7 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 7 documents here); elsewhere sentences render unattributed.

KindDatePeriodServedAttribution rate
TRANSCRIPT202204252022-03-31yes
TRANSCRIPT202207212022-06-30yes
COVER_LETTER202210212022-09-30no
TRANSCRIPT202310212023-09-30yes
TRANSCRIPT202407252024-06-30yes
TRANSCRIPT202410252024-09-30yes
TRANSCRIPT202510272025-09-30yes
TRANSCRIPT202603192025-12-31yes
TRANSCRIPT202607242026-06-30yes

Model workbook

Download HDFCBANK_model_v2.xlsx — 2002 sourced cells each with a Provenance row (doc_id, sha256, element, contextRef, period, value as filed, locator), 2632 formula cells; SHA-256 d48d29d2c019eedc…

Commentary — cross-call tabulation

QuarterThemeManagement sentencesAnalyst sentencesManagement share
Q1FY23AI and technology000.0
Q1FY23Capex and capacity120.0357
Q1FY23Capital allocation000.0
Q1FY23Competition000.0
Q1FY23Credit quality240.0714
Q1FY23Currency and macro010.0
Q1FY23Demand and volumes020.0
Q1FY23Deposits and liquidity060.0
Q1FY23Distribution and persistency270.0714
Q1FY23Margins and costs0170.0
Q1FY23People and attrition010.0
Q1FY23Pricing and realisation0130.0
Q1FY23Raw materials and input costs000.0
Q1FY23Regulation and policy230.0714
Q1FY25AI and technology000.0
Q1FY25Capex and capacity010.0
Q1FY25Capital allocation000.0
Q1FY25Competition360.0131
Q1FY25Credit quality310.0131
Q1FY25Currency and macro000.0
Q1FY25Demand and volumes200.0087
Q1FY25Deposits and liquidity11110.048
Q1FY25Distribution and persistency610.0262
Q1FY25Margins and costs930.0393
Q1FY25People and attrition100.0044
Q1FY25Pricing and realisation320.0131
Q1FY25Raw materials and input costs000.0
Q1FY25Regulation and policy200.0087
Q1FY27AI and technology310.0138
Q1FY27Capex and capacity100.0046
Q1FY27Capital allocation330.0138
Q1FY27Competition510.0229
Q1FY27Credit quality420.0183
Q1FY27Currency and macro000.0
Q1FY27Demand and volumes300.0138
Q1FY27Deposits and liquidity24100.1101
Q1FY27Distribution and persistency1620.0734
Q1FY27Margins and costs1450.0642
Q1FY27People and attrition000.0
Q1FY27Pricing and realisation1200.055
Q1FY27Raw materials and input costs000.0
Q1FY27Regulation and policy530.0229
Q2FY24AI and technology000.0
Q2FY24Capex and capacity200.0099
Q2FY24Capital allocation000.0
Q2FY24Competition900.0446
Q2FY24Credit quality410.0198
Q2FY24Currency and macro200.0099
Q2FY24Demand and volumes300.0149
Q2FY24Deposits and liquidity15100.0743
Q2FY24Distribution and persistency1240.0594
Q2FY24Margins and costs640.0297
Q2FY24People and attrition000.0
Q2FY24Pricing and realisation200.0099
Q2FY24Raw materials and input costs000.0
Q2FY24Regulation and policy300.0149
Q2FY25AI and technology100.0037
Q2FY25Capex and capacity010.0
Q2FY25Capital allocation000.0
Q2FY25Competition120.0037
Q2FY25Credit quality580.0185
Q2FY25Currency and macro400.0148
Q2FY25Demand and volumes010.0
Q2FY25Deposits and liquidity19120.0704
Q2FY25Distribution and persistency810.0296
Q2FY25Margins and costs030.0
Q2FY25People and attrition100.0037
Q2FY25Pricing and realisation1010.037
Q2FY25Raw materials and input costs000.0
Q2FY25Regulation and policy210.0074
Q2FY26AI and technology200.0112
Q2FY26Capex and capacity100.0056
Q2FY26Capital allocation200.0112
Q2FY26Competition320.0169
Q2FY26Credit quality620.0337
Q2FY26Currency and macro500.0281
Q2FY26Demand and volumes910.0506
Q2FY26Deposits and liquidity1750.0955
Q2FY26Distribution and persistency1120.0618
Q2FY26Margins and costs1340.073
Q2FY26People and attrition000.0
Q2FY26Pricing and realisation620.0337
Q2FY26Raw materials and input costs000.0
Q2FY26Regulation and policy410.0225
Q3FY26AI and technology000.0
Q3FY26Capex and capacity010.0
Q3FY26Capital allocation000.0
Q3FY26Competition000.0
Q3FY26Credit quality000.0
Q3FY26Currency and macro000.0
Q3FY26Demand and volumes000.0
Q3FY26Deposits and liquidity000.0
Q3FY26Distribution and persistency000.0
Q3FY26Margins and costs000.0
Q3FY26People and attrition020.0
Q3FY26Pricing and realisation000.0
Q3FY26Raw materials and input costs000.0
Q3FY26Regulation and policy1450.0693
Q4FY22AI and technology010.0
Q4FY22Capex and capacity010.0
Q4FY22Capital allocation000.0
Q4FY22Competition050.0
Q4FY22Credit quality020.0
Q4FY22Currency and macro010.0
Q4FY22Demand and volumes040.0
Q4FY22Deposits and liquidity0120.0
Q4FY22Distribution and persistency0170.0
Q4FY22Margins and costs0140.0
Q4FY22People and attrition000.0
Q4FY22Pricing and realisation0100.0
Q4FY22Raw materials and input costs000.0
Q4FY22Regulation and policy120.2

Guidance items

quartermetricdirectionsentencepage
Q1FY23othernanSo how do you see the outlook panning out for growth in CRB and also if you could throw some color on you said that you probably gave up some corporate loan gro9
Q2FY24othernanAnd that's where I will tell you to look at it, is if you look historically, that's the range of which had.10
Q2FY24othernanAnd when we look at that cohort of branches about how they are performing, right, our model shows that, it should be breakeven in two years' time and about 90%-11
Q2FY24othernanBecause you know that it gets -- the turnaround time is pretty soon, pretty fast, and the product will be in the hands of the customer that we could consummate.14
Q2FY24othernanRajiv, we don't give forward-looking guidance in terms of what we will grow, but we can point to past and give the kind of how we have done and how we are capac15
Q2FY24othernanWe expect that -- yes, it has been in the -- sometimes it's been in the 20s, sometimes it has been in the high teens.17
Q1FY25othernanYes, sort of engaging with you all after a quarter, I just wanted to recap some of the guidance that we have been giving in the past couple of quarters.3
Q1FY25othernanOne of the things that we have been mentioning is that we would like to desist from providing any guidance of any form as it is providing a distraction from our3
Q1FY25othernanThe SMF category as of March, which we have published in our report or in various disclosures, the SMF category target is, of course, the obligation is 10%.8
Q1FY25othernanYou have to be patient, wait for this particular FY '25 for you to see it for yourself as to where we land and then that will give a lot of confidence to you th9
Q2FY25othernanFY '27, we should be faster than the system growth rate.3
Q2FY25loan / AUM growthnanInstead of that, there is an opportunity right now with the rate of credit growth being high over the last two years and is expected to come down to maybe the d6
Q2FY25othernanWe have told you that our target that we normally tend to operate is between 110 to 120.9
Q2FY25othernanWe are leaving that like so there's no one particular target, Mahesh, as we said, we are not strategizing to execute that one number that we want to hit.13
Q2FY25othernanI think that should be maintained.15
Q2FY25othernanIn the medium term, I think we should be able to manage these margins in this particular range.15
Q2FY25othernanThe question of whether it should be improving, it's a relevant question.15
Q2FY25othernanAnd we are not targeting one number or one range of numbers that we want to get to there.16
Q2FY25othernanI think for the annual, we have published -- as of March, we have published in our derivative schedule, you should be able to see it in our annual report for th17
Q2FY26othernanGlobal outlook remains very volatile, thanks to the uncertainty related to tariffs and immigration policies.3
Q2FY26othernanNow, we are on that upward trajectory.5
Q2FY26depositsnanIn addition to that, obviously, when we realized that the economic outlook was changing post the merger, we took a strategic call that we would like to relook a9
Q2FY26othernanAnd in addition to that, the upsell that we have been able to do across a whole range of products, which is the credit cards that go along with it, when a perso10
Q2FY26othernanSo, when you look at the whole gamut of the upsell along with the checking account and an emotional product like a home loan, which is a good duration product, 10
Q2FY26othernanBut having said that, as we have mentioned in the call, we believe that from FY'27, when we get back our trajectory, when we start to ensure that all our distri10
Q2FY26net interest marginnanAnd yes, these are the drivers, and it is about the cost of funds which changes that trajectory.11
Q2FY26othernanAs it unfolds and as Sashi alluded to, we see a positive traction continuing in the economic environment and we will certainly participate in our target market 12
Q2FY26volumenanIf I move to the mortgage piece out over there, on the volume rate of growth, last year, if you step back, we did a lot of corrections that needed to be carried12
Q2FY26othernanSo, we continue to mine that space within our parameters going forward.15
Q3FY26othernanThe board has accepted his resignation with appreciation for his guidance and contribution during his tenure.3
Q3FY26othernanWe will continue to ensure that this particular trust is maintained not just now but sustained for several years going forward.4
Q3FY26othernanThere is a full 3-month period during which period of time the Board will meet, take a call on who should be the full-time or the Non-Executive Chairman or the 10
Q3FY26othernanSo, I think we should be very proud of the positioning in our economy.11
Q3FY26othernanWe had a trajectory and we are on path to that trajectory.13
Q1FY27othernanI also sincerely thank the board for their guidance and more so Keki Mistry for chairing as the Interim Chairman during this period.3
Q1FY27loan / AUM growthnanAs you have seen, the advances have done very well over the last three, four quarters and that trajectory continues.3
Q1FY27othernanWe do think that in the longer term that the profit growth should be at or above the balance sheet growth.11
Q1FY27othernanWe are also aware that you and me included, every individual is going to keep only certain level of their individuals' working capital, so to say, their needs i11
Q1FY27credit cost / asset qualitynanIf you look at the unsecured mix, the provision coverage will be in the 70s, mid-70s or higher.14
Q1FY27othernanThat is our endeavour and I think we are all, you know, the entire team is quite gung-ho to mobilize that kind of we're all energized and I think we are on trac15

Claims reconciled to filings

QuarterMetricClaimedKindAnchorAnchor valueVerdictSource
Q4FY22revenue growth10.4 %rationot comparable without the prior year quarter in scopenanNO_ANCHORDate_20220425_HDFC Bank Ltd._C p5
Q4FY22revenue growth10.2 %rationot comparable without the prior year quarter in scopenanNO_ANCHORDate_20220425_HDFC Bank Ltd._C p5
Q4FY22net interest income18,873 croresmoneyderived NII203476600000.0CLOSE_WITHIN_10PCTDate_20220425_HDFC Bank Ltd._C p5
Q4FY22operating profit / EBITDA16,357 croresmoneyOPERATING_PROFIT_PRE_PROVISION177204000000.0CLOSE_WITHIN_10PCTDate_20220425_HDFC Bank Ltd._C p6
Q4FY22profit after tax10055 croresmoneyPROFIT_AFTER_TAX104748900000.0CLOSE_WITHIN_10PCTDate_20220425_HDFC Bank Ltd._C p7
Q4FY22revenue2,141 croresmoneyINTEREST_EARNED355741900000.0DIVERGESDate_20220425_HDFC Bank Ltd._C p7
Q4FY22revenue growth8 %rationot comparable without the prior year quarter in scopenanNO_ANCHORDate_20220425_HDFC Bank Ltd._C p7
Q4FY22profit after tax236 croresmoneyPROFIT_AFTER_TAX104748900000.0DIVERGESDate_20220425_HDFC Bank Ltd._C p8
Q1FY23revenue27181 croresmoneyINTEREST_EARNED372738100000.0ADJUSTED_MEASURE_NOT_STATUTORYDate_20220721_HDFC Bank Ltd._C p6
Q1FY23profit after tax9196 croresmoneyPROFIT_AFTER_TAX96166700000.0CLOSE_WITHIN_10PCTDate_20220721_HDFC Bank Ltd._C p8
Q1FY23revenue2194 croresmoneyINTEREST_EARNED372738100000.0DIVERGESDate_20220721_HDFC Bank Ltd._C p8
Q1FY23profit after tax441 croresmoneyPROFIT_AFTER_TAX96166700000.0DIVERGESDate_20220721_HDFC Bank Ltd._C p8
Q1FY23revenue432 croresmoneyINTEREST_EARNED372738100000.0DIVERGESDate_20220721_HDFC Bank Ltd._C p8
Q1FY23profit after tax189 croresmoneyPROFIT_AFTER_TAX96166700000.0DIVERGESDate_20220721_HDFC Bank Ltd._C p9
Q2FY24revenue38,093 croresmoneyINTEREST_EARNED750391000000.0DIFFERENT_BASIS_LIKELYDate_20231021_HDFC Bank Ltd._C p6
Q2FY24revenue growth33 %rationot comparable without the prior year quarter in scopenanNO_ANCHORDate_20231021_HDFC Bank Ltd._C p6
Q2FY24net interest income27,385 croresmoneyderived NII337891900000.0DIVERGESDate_20231021_HDFC Bank Ltd._C p6
Q2FY24operating profit / EBITDA22,694 croresmoneyOPERATING_PROFIT_PRE_PROVISION242791200000.0CLOSE_WITHIN_10PCTDate_20231021_HDFC Bank Ltd._C p7
Q2FY24profit after tax15,976 croresmoneyPROFIT_AFTER_TAX173123800000.0CLOSE_WITHIN_10PCTDate_20231021_HDFC Bank Ltd._C p8
Q2FY24profit after tax601 croresmoneyPROFIT_AFTER_TAX173123800000.0DIVERGESDate_20231021_HDFC Bank Ltd._C p8
Q2FY24profit after tax214 croresmoneyPROFIT_AFTER_TAX173123800000.0DIVERGESDate_20231021_HDFC Bank Ltd._C p8
Q2FY24profit after tax15,976 croresmoneyPROFIT_AFTER_TAX173123800000.0CLOSE_WITHIN_10PCTDate_20231021_HDFC Bank Ltd._C p8
Q2FY24profit after tax16,811 croresmoneyPROFIT_AFTER_TAX173123800000.0CLOSE_WITHIN_10PCTDate_20231021_HDFC Bank Ltd._C p8