HDFC Bank Ltd.
HDFCBANKFinancial ServicesR3 verified document library
Coverage
| Dataset | On disk | Usable | State |
|---|---|---|---|
| Results XBRL (NSE + BSE) | 91 | 32 | 32 quarter-ends |
| Annual reports | 11 | 11 | identity graded |
| Earnings calls | 9 | 8 | transcripts and analyst meets only |
| Shareholding | 22 | 22 | |
| Related party | 3 | 3 | |
| Investor decks | 0 | 0 | cohort 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.
| Line | 2019-06-30 | 2019-09-30 | 2019-12-31 | 2020-03-31 | 2020-06-30 | 2020-09-30 | 2020-12-31 | 2021-03-31 | 2021-06-30 | 2021-09-30 | 2021-12-31 | 2022-03-31 | 2022-06-30 | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest / discount on advances and bills | 23,560.50 | 24,333.99 | 25,265.90 | 99,079.63 | 25,978.00 | 25,119.76 | 25,302.78 | 102,299.13 | 25,280.96 | 26,163.73 | 26,907.70 | 106,295.34 | 29,413.76 | 32,629.98 | 35,850.05 | 135,767.33 | 40,452.77 | 56,896.57 | 59,527.32 | 217,979.34 | 61,875.82 | 62,707.35 | 63,363.53 | 251,953.60 | 64,147.91 | 63,309.67 | 64,114.01 | 256,192.47 | 66,406.51 |
| Income on investments | 5,250.42 | 5,091.38 | 5,155.36 | 20,572.73 | 5,599.41 | 5,622.45 | 5,807.93 | 23,211.62 | 6,476.45 | 6,443.70 | 6,474.68 | 25,907.06 | 7,137.22 | 7,680.84 | 7,964.86 | 31,173.30 | 8,877.00 | 16,091.81 | 16,573.26 | 57,524.80 | 17,474.07 | 17,826.68 | 18,878.30 | 73,912.07 | 20,817.17 | 21,328.37 | 20,580.11 | 82,656.87 | 20,753.16 |
| Interest on balances with RBI and inter-bank funds | 183.19 | 425.05 | 619.25 | 1,868.77 | 641.58 | 853.02 | 588.01 | 2,414.30 | 320.66 | 708.41 | 884.46 | 2,630.78 | 319.65 | 190.70 | 265.68 | 1,149.25 | 848.40 | 489.98 | 471.68 | 2,634.63 | 636.42 | 849.10 | 925.26 | 3,172.52 | 826.44 | 738.86 | 773.53 | 3,457.06 | 1,599.37 |
| Other interest | 182.34 | 166.46 | 160.41 | 668.17 | 132.62 | 147.04 | 152.88 | 627.35 | 175.69 | 204.60 | 321.18 | 1,103.23 | 403.18 | 428.27 | 921.52 | 2,664.17 | 989.97 | 1,560.74 | 1,435.91 | 5,510.25 | 1,559.89 | 1,618.59 | 1,873.08 | 7,329.24 | 1,580.35 | 1,616.94 | 1,599.29 | 6,308.75 | 1,816.29 |
| Interest earned | 29,176.45 | 30,016.88 | 31,200.92 | 122,189.30 | 32,351.61 | 31,742.27 | 31,851.60 | 128,552.40 | 32,253.76 | 33,520.44 | 34,588.02 | 135,936.41 | 37,273.81 | 40,929.79 | 45,002.11 | 170,754.05 | 51,168.14 | 75,039.10 | 78,008.17 | 283,649.02 | 81,546.20 | 83,001.72 | 85,040.17 | 336,367.43 | 87,371.87 | 86,993.84 | 87,066.94 | 348,615.15 | 90,575.33 |
| Other income | 5,148.00 | 6,114.08 | 7,124.78 | 24,878.98 | 4,346.98 | 6,696.20 | 7,987.13 | 27,332.88 | 6,679.87 | 7,915.92 | 8,776.94 | 31,758.99 | 6,928.51 | 8,252.31 | 9,120.73 | 33,912.05 | 9,853.15 | 32,527.52 | 37,007.34 | 124,345.75 | 35,450.29 | 38,455.02 | 27,153.77 | 134,548.50 | 45,683.10 | 31,566.79 | 39,860.33 | 146,847.66 | 42,535.03 |
| Total income | 34,324.45 | 36,130.96 | 38,325.70 | 147,068.28 | 36,698.59 | 38,438.47 | 39,838.73 | 155,885.28 | 38,933.63 | 41,436.36 | 43,364.96 | 167,695.40 | 44,202.32 | 49,182.10 | 54,122.84 | 204,666.10 | 61,021.29 | 107,566.62 | 115,015.51 | 407,994.77 | 116,996.49 | 121,456.74 | 112,193.94 | 470,915.93 | 133,054.97 | 118,560.63 | 126,927.27 | 495,462.81 | 133,110.36 |
| Interest expended | 14,977.15 | 15,558.44 | 16,073.27 | 62,137.43 | 15,608.49 | 15,033.18 | 14,522.68 | 59,247.59 | 14,218.50 | 14,415.28 | 14,724.02 | 58,584.33 | 16,358.26 | 18,310.79 | 20,504.86 | 77,779.94 | 25,954.76 | 41,249.91 | 43,242.37 | 154,138.55 | 44,579.50 | 45,414.21 | 46,914.28 | 183,894.20 | 47,708.51 | 46,740.86 | 45,821.42 | 185,491.23 | 47,625.63 |
| Payments to and provisions for employees | 3,017.45 | 3,194.79 | 3,331.05 | 12,920.13 | 3,301.00 | 3,348.85 | 3,456.28 | 13,676.67 | 3,643.74 | 3,931.43 | 4,121.23 | 15,897.03 | 4,606.86 | 4,631.75 | 5,277.53 | 20,016.85 | 5,951.16 | 7,789.05 | 7,860.20 | 31,023.00 | 8,289.07 | 8,519.34 | 8,517.66 | 34,135.75 | 8,897.46 | 9,317.56 | 10,300.49 | 37,604.81 | 9,342.49 |
| Other operating expenses | 4,580.68 | 4,857.54 | 5,194.30 | 20,115.92 | 4,105.08 | 5,258.61 | 5,723.52 | 21,324.59 | 5,063.15 | 6,053.48 | 6,485.88 | 24,415.40 | 6,748.22 | 7,518.04 | 8,160.26 | 31,516.84 | 9,226.55 | 34,248.54 | 38,065.93 | 121,246.34 | 38,257.46 | 40,285.90 | 28,831.84 | 142,469.32 | 40,285.54 | 31,561.49 | 40,223.55 | 143,569.10 | 45,146.24 |
| Operating expenses | 7,598.13 | 8,052.33 | 8,525.35 | 33,036.05 | 7,406.08 | 8,607.46 | 9,179.80 | 35,001.26 | 8,706.89 | 9,984.91 | 10,607.11 | 40,312.43 | 11,355.08 | 12,149.79 | 13,437.79 | 51,533.69 | 15,177.71 | 42,037.59 | 45,926.13 | 152,269.34 | 46,546.53 | 48,805.24 | 37,349.50 | 176,605.07 | 49,183.00 | 40,879.05 | 50,524.04 | 181,173.91 | 54,488.73 |
| Total expenditure excluding provisions and contingencies | 22,575.28 | 23,610.77 | 24,598.62 | 95,173.48 | 23,014.57 | 23,640.64 | 23,702.48 | 94,248.85 | 22,925.39 | 24,400.19 | 25,331.13 | 98,896.76 | 27,713.34 | 30,460.58 | 33,942.65 | 129,313.63 | 41,132.47 | 83,287.50 | 89,168.50 | 306,407.89 | 91,126.03 | 94,219.45 | 84,263.78 | 360,499.27 | 96,891.51 | 87,619.91 | 96,345.46 | 366,665.14 | 102,114.36 |
| Operating profit before provisions and contingencies | 11,749.17 | 12,520.19 | 13,727.08 | 51,894.80 | 13,684.02 | 14,797.83 | 16,136.25 | 61,636.43 | 16,008.24 | 17,036.17 | 18,033.83 | 68,798.64 | 16,488.98 | 18,721.52 | 20,180.19 | 75,352.47 | 19,888.82 | 24,279.12 | 25,847.01 | 101,586.88 | 25,870.46 | 27,237.29 | 27,930.16 | 110,416.66 | 36,163.46 | 30,940.72 | 30,581.81 | 128,797.67 | 30,996.00 |
| Provisions other than tax and contingencies | 2,914.34 | 3,091.20 | 3,477.90 | 13,699.94 | 4,344.51 | 4,420.13 | 4,323.05 | 18,840.29 | 5,366.33 | 4,712.67 | 3,815.70 | 17,925.25 | 3,665.68 | 3,765.12 | 3,244.19 | 13,854.08 | 3,292.10 | 3,311.74 | 4,603.90 | 25,018.28 | 3,143.09 | 3,268.87 | 3,957.29 | 14,174.61 | 15,313.63 | 4,281.83 | 3,620.71 | 26,656.22 | 3,802.84 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -1,384.46 | 0.00 | -801.53 | 0.00 | -2,647.92 | 0.00 | -753.10 | 0.00 | -3,193.49 | 0.00 |
| Profit before tax | 8,834.83 | 9,428.99 | 10,249.18 | 38,194.86 | 9,339.51 | 10,377.70 | 11,813.20 | 42,796.14 | 10,641.91 | 12,323.50 | 14,218.13 | 50,873.39 | 12,823.30 | 14,956.40 | 16,936.00 | 61,498.39 | 16,596.72 | 20,967.38 | 21,243.11 | 75,184.14 | 22,727.37 | 23,166.89 | 23,972.87 | 93,594.13 | 20,849.83 | 25,905.79 | 26,961.10 | 98,947.96 | 27,193.16 |
| Tax expense | 3,144.03 | 2,780.19 | 2,589.22 | 10,898.59 | 2,398.63 | 2,666.33 | 3,053.01 | 10,939.37 | 2,701.63 | 3,203.54 | 3,602.36 | 12,722.49 | 3,206.63 | 3,793.81 | 4,200.57 | 15,349.69 | 4,193.47 | 3,655.00 | 3,525.11 | 11,122.10 | 5,539.32 | 5,340.98 | 5,632.76 | 22,801.88 | 3,759.40 | 6,295.12 | 6,270.06 | 22,921.99 | 6,810.47 |
| Profit from ordinary activities after tax | 5,690.80 | 6,648.80 | 7,659.96 | 27,296.27 | 6,940.88 | 7,711.37 | 8,760.19 | 31,856.77 | 7,940.28 | 9,119.96 | 10,615.77 | 38,150.90 | 9,616.67 | 11,162.59 | 12,735.43 | 46,148.70 | 12,403.25 | 17,312.38 | 17,718.00 | 64,062.04 | 17,188.05 | 17,825.91 | 18,340.11 | 70,792.25 | 17,090.43 | 19,610.67 | 20,691.04 | 76,025.97 | 20,382.69 |
| Extraordinary items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -8.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit for the period | 5,690.80 | 6,648.80 | 7,659.96 | 27,296.27 | 6,940.88 | 7,702.86 | 8,760.19 | 31,856.77 | 7,940.28 | 9,119.96 | 10,615.77 | 38,150.90 | 9,616.67 | 11,162.59 | 12,735.43 | 46,148.70 | 12,403.25 | 17,312.38 | 17,718.00 | 64,062.04 | 17,188.05 | 17,825.91 | 18,340.11 | 70,792.25 | 17,090.43 | 19,610.67 | 20,691.04 | 76,025.97 | 20,382.69 |
| Profit after minority interest and share of associates | 5,676.06 | 6,638.03 | 7,659.65 | 27,253.96 | 6,927.24 | 7,702.86 | 8,769.33 | 31,833.21 | 7,922.09 | 9,096.19 | 10,591.46 | 38,052.75 | 9,579.11 | 11,125.21 | 12,698.32 | 45,997.11 | 12,370.38 | 16,811.41 | 17,257.87 | 64,062.04 | 16,474.85 | 17,825.91 | 17,656.61 | 68,144.33 | 16,257.91 | 19,610.67 | 19,806.63 | 76,025.97 | 19,244.71 |
| Capital | — | — | — | — | — | — | — | — | — | — | — | — | — | 557.00 | — | — | — | — | — | 759.69 | — | 763.08 | — | 765.22 | — | 1,536.37 | — | 1,539.34 | — |
| Reserves and surplus | — | — | — | — | — | — | — | — | — | — | — | — | — | 261,759.31 | — | — | — | — | — | 452,982.84 | — | 477,794.04 | — | 517,218.98 | — | 537,607.51 | — | 579,975.02 | — |
| Deposits | — | — | — | — | — | — | — | — | — | — | — | — | — | 1,671,645.73 | — | — | — | — | — | 2,376,887.28 | — | 2,496,324.92 | — | 2,710,898.23 | — | 2,798,169.83 | — | 3,099,638.29 | — |
| Borrowings | — | — | — | — | — | — | — | — | — | — | — | — | — | 251,743.29 | — | — | — | — | — | 730,615.46 | — | 666,038.88 | — | 634,605.57 | — | 599,507.24 | — | 588,484.55 | — |
| Other liabilities and provisions | — | — | — | — | — | — | — | — | — | — | — | — | — | 97,872.06 | — | — | — | — | — | 468,948.99 | — | 510,867.01 | — | 528,929.42 | — | 577,920.45 | — | 638,403.64 | — |
| TOTAL CAPITAL AND LIABILITIES | — | — | — | — | — | — | — | — | — | — | — | — | — | 2,283,577.39 | — | — | — | — | — | 4,030,194.26 | — | 4,151,787.93 | — | 4,392,417.42 | — | 4,514,741.40 | — | 4,908,040.84 | — |
| Cash and balances with Reserve Bank of India | — | — | — | — | — | — | — | — | — | — | — | — | — | 88,061.50 | — | — | — | — | — | 178,718.67 | — | 194,486.02 | — | 144,390.25 | — | 133,210.73 | — | 200,707.11 | — |
| Balances with banks and money at call and short notice | — | — | — | — | — | — | — | — | — | — | — | — | — | 16,661.36 | — | — | — | — | — | 50,115.84 | — | 71,899.37 | — | 105,557.65 | — | 43,847.14 | — | 111,218.94 | — |
| Investments | — | — | — | — | — | — | — | — | — | — | — | — | — | 512,493.18 | — | — | — | — | — | 1,005,681.63 | — | 1,061,584.96 | — | 1,186,472.89 | — | 1,250,390.77 | — | 1,280,216.29 | — |
| Advances | — | — | — | — | — | — | — | — | — | — | — | — | — | 1,533,945.17 | — | — | — | — | — | 2,565,891.41 | — | 2,585,710.03 | — | 2,724,938.16 | — | 2,853,902.56 | — | 3,050,783.23 | — |
| Fixed assets | — | — | — | — | — | — | — | — | — | — | — | — | — | 6,828.03 | — | — | — | — | — | 12,603.76 | — | 14,170.63 | — | 15,257.94 | — | 15,537.75 | — | 16,491.59 | — |
| Other assets | — | — | — | — | — | — | — | — | — | — | — | — | — | 125,588.15 | — | — | — | — | — | 217,182.95 | — | 223,936.92 | — | 215,800.53 | — | 217,852.45 | — | 248,623.68 | — |
| TOTAL ASSETS | — | — | — | — | — | — | — | — | — | — | — | — | — | 2,283,577.39 | — | — | — | — | — | 4,030,194.26 | — | 4,151,787.93 | — | 4,392,417.42 | — | 4,514,741.40 | — | 4,908,040.84 | — |
| Depreciation and amortisation | — | — | — | — | — | — | — | — | — | 774.42 | — | 1,680.73 | — | 1,105.25 | — | 2,345.47 | — | 1,511.11 | — | 3,092.08 | — | 1,888.04 | — | 3,805.23 | — | 2,061.48 | — | 4,194.90 | — |
| Finance costs | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Impairment loss / reversal | — | — | — | — | — | — | — | — | — | 8,351.11 | — | 13,286.95 | — | 8,321.78 | — | 13,561.19 | — | 6,497.93 | — | 12,540.05 | — | 6,411.96 | — | 0.00 | — | 6,973.56 | — | 26,656.22 | — |
| Share-based payments | — | — | — | — | — | — | — | — | — | 83.29 | — | 341.24 | — | 213.81 | — | 787.06 | — | 675.15 | — | 1,731.73 | — | 1,052.13 | — | 2,086.05 | — | 1,128.13 | — | 2,228.30 | — |
| Unrealised foreign exchange losses / gains | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Dividend income | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Other non-cash items | — | — | — | — | — | — | — | — | — | 1,222.05 | — | 4,598.23 | — | 879.81 | — | 1,530.27 | — | -2,778.06 | — | 6,487.18 | — | -167.81 | — | 18,170.78 | — | 13,001.21 | — | 986.17 | — |
| Other adjustments to reconcile profit | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | -9,654.26 | — | -22.03 | — | -3,440.62 | — | 7,739.96 | — |
| Total adjustments to profit | — | — | — | — | — | — | — | — | — | 10,430.87 | — | 19,907.15 | — | 10,520.65 | — | 18,223.99 | — | 5,870.20 | — | 16,434.26 | — | -480.46 | — | 24,048.03 | — | 12,713.97 | — | 34,597.37 | — |
| Change in receivables | — | — | — | — | — | — | — | — | — | -44,277.92 | — | -259,795.35 | — | -186,323.77 | — | -318,751.48 | — | -217,452.39 | — | -397,622.00 | — | -66,926.07 | — | 0.00 | — | -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 payables | — | — | — | — | — | — | — | — | — | 71,765.25 | — | 224,282.15 | — | 112,856.79 | — | 324,660.22 | — | 131,156.29 | — | 336,965.00 | — | 119,437.64 | — | 0.00 | — | 87,271.60 | — | 388,740.06 | — |
| Change in other current liabilities | — | — | — | — | — | — | — | — | — | -4,694.27 | — | 7,655.95 | — | 8,612.77 | — | 10,459.86 | — | 11,883.63 | — | 35,728.00 | — | 36,090.10 | — | 56,407.97 | — | 31,314.46 | — | 86,399.37 | — |
| Provisions | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 6,420.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Total working capital adjustments | — | — | — | — | — | — | — | — | — | 12,345.00 | — | -67,901.95 | — | -98,046.08 | — | -42,541.19 | — | -81,109.80 | — | -49,706.00 | — | 81,402.28 | — | 29,308.36 | — | -81,948.76 | — | 2,617.42 | — |
| Cash generated from operations | — | — | — | — | — | — | — | — | — | 45,741.28 | — | 2,878.59 | — | -59,745.73 | — | 37,181.19 | — | -37,675.50 | — | 41,912.40 | — | 126,102.88 | — | 146,950.52 | — | -23,311.69 | — | 136,162.75 | — |
| Income taxes paid, net of refunds | — | — | — | — | — | — | — | — | — | 6,877.96 | — | 14,838.16 | — | 7,725.15 | — | 16,367.49 | — | 7,925.37 | — | 22,843.00 | — | 12,303.16 | — | 19,708.68 | — | 8,740.82 | — | 22,656.37 | — |
| NET CASH FROM OPERATING ACTIVITIES | — | — | — | — | — | — | — | — | — | 38,863.32 | — | -11,959.57 | — | -67,470.88 | — | 20,813.70 | — | -45,600.87 | — | 19,069.40 | — | 113,799.72 | — | 127,241.84 | — | -32,052.51 | — | 113,506.38 | — |
| Purchase of fixed assets | — | — | — | — | — | — | — | — | — | 934.42 | — | 2,236.24 | — | 1,260.31 | — | 3,466.57 | — | 1,732.50 | — | 4,286.72 | — | 1,792.03 | — | 4,075.89 | — | 1,385.60 | — | 3,889.97 | — |
| Proceeds from sale of fixed assets | — | — | — | — | — | — | — | — | — | 7.83 | — | 19.91 | — | 14.90 | — | 0.00 | — | 50.53 | — | 99.82 | — | 42.26 | — | 100.72 | — | 263.00 | — | 527.56 | — |
| Purchase of equity and debt instruments of other entities | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Sale of equity and debt instruments of other entities | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| Dividends received (investing) | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| NET CASH FROM INVESTING ACTIVITIES | — | — | — | — | — | — | — | — | — | -926.59 | — | -2,216.33 | — | -1,245.41 | — | -3,423.89 | — | -1,681.97 | — | 5,313.77 | — | -1,817.24 | — | -3,850.64 | — | 8,551.53 | — | 6,362.72 | — |
| Proceeds from issue of shares | — | — | — | — | — | — | — | — | — | 1,884.71 | — | 2,609.76 | — | 2,277.71 | — | 3,415.83 | — | 6,727.45 | — | 5,249.73 | — | 3,918.40 | — | 6,346.50 | — | 0.00 | — | 7,565.11 | — |
| Proceeds from debentures, notes and bonds | — | — | — | — | — | — | — | — | — | 4,512.75 | — | 4,662.75 | — | -8,477.00 | — | 10,923.00 | — | 0.00 | — | 2,120.00 | — | 0.00 | — | 3,564.88 | — | 0.00 | — | 0.00 | — |
| Proceeds from borrowings | — | — | — | — | — | — | — | — | — | 9,313.17 | — | 44,308.08 | — | 32,404.26 | — | 18,007.29 | — | 35,430.58 | — | -7,342.84 | — | 500.00 | — | 0.00 | — | 400.00 | — | 700.00 | — |
| Repayment of borrowings | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 65,119.96 | — | 97,562.73 | — | 36,214.34 | — | 48,895.19 | — |
| Dividends paid | — | — | — | — | — | — | — | — | — | 3,592.40 | — | 3,592.40 | — | 8,604.52 | — | 8,604.52 | — | 8,404.42 | — | 8,404.42 | — | 14,826.19 | — | 14,826.19 | — | 20,705.98 | — | 20,705.98 | — |
| Interest paid (financing) | — | — | — | — | — | — | — | — | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — |
| NET CASH FROM FINANCING ACTIVITIES | — | — | — | — | — | — | — | — | — | 12,157.58 | — | 48,124.02 | — | 17,678.05 | — | 23,940.56 | — | 45,192.76 | — | 7,198.65 | — | -74,473.43 | — | -102,477.54 | — | -49,773.79 | — | -59,004.85 | — |
| Net change in cash before exchange differences | — | — | — | — | — | — | — | — | — | 50,094.31 | — | 33,948.12 | — | -51,038.24 | — | 41,330.37 | — | -2,090.08 | — | 31,581.82 | — | 37,509.05 | — | 20,913.66 | — | -73,274.77 | — | 60,864.25 | — |
| Effect of exchange rate changes on cash | — | — | — | — | — | — | — | — | — | 65.97 | — | 165.10 | — | 375.37 | — | 431.71 | — | 73.63 | — | 104.94 | — | 41.83 | — | 199.73 | — | 384.74 | — | 1,113.90 | — |
| NET CHANGE IN CASH AND CASH EQUIVALENTS | — | — | — | — | — | — | — | — | — | 50,160.28 | — | 34,113.22 | — | -50,662.87 | — | 41,762.08 | — | -2,016.45 | — | 31,686.76 | — | 37,550.88 | — | 21,113.39 | — | -72,890.03 | — | 61,978.15 | — |
| Closing cash and cash equivalents per cash flow statement | — | — | — | — | — | — | — | — | — | — | — | 155,385.73 | — | 104,722.86 | — | — | — | — | — | 228,834.51 | — | — | — | 249,947.90 | — | 177,057.87 | — | 311,926.05 | — |
| Segment revenue: Retail Banking | 24,929.29 | 27,100.78 | 27,759.28 | 28,210.59 | 27,101.62 | 27,683.65 | 27,812.20 | 27,612.74 | 26,974.67 | 28,214.05 | 29,252.94 | 30,748.25 | 31,685.63 | 35,125.14 | 35,301.86 | 40,160.52 | 42,939.48 | 60,859.02 | 64,774.11 | 65,065.26 | 68,054.79 | 70,014.78 | 71,973.92 | 73,391.30 | 75,191.18 | 75,584.52 | 76,320.22 | 74,757.59 | 75,888.80 |
| Segment revenue: Treasury | 6,291.92 | 6,275.40 | 7,083.74 | 6,907.38 | 8,001.26 | 8,098.77 | 8,201.90 | 8,035.74 | 8,644.33 | 8,650.42 | 9,191.60 | 7,898.77 | 7,379.64 | 7,909.95 | 9,550.78 | 9,482.54 | 10,537.87 | 15,897.67 | 14,664.82 | 20,553.30 | 15,320.59 | 14,567.80 | 15,428.73 | 16,910.36 | 26,104.21 | 20,609.22 | 18,148.96 | 17,295.96 | 18,192.38 |
| Segment revenue: Wholesale Banking | 15,059.61 | 15,029.43 | 15,769.40 | 15,276.01 | 14,183.59 | 13,912.63 | 14,329.96 | 14,728.12 | 14,406.99 | 15,662.63 | 18,725.77 | 17,687.54 | 18,642.07 | 21,265.98 | 25,374.51 | 26,534.76 | 28,332.89 | 47,298.63 | 49,743.78 | 48,745.92 | 47,173.95 | 47,470.21 | 47,683.00 | 49,637.35 | 44,790.22 | 42,308.37 | 42,764.00 | 44,643.71 | 48,670.85 |
| Segment revenue: Unallocated | 0.66 | 0.00 | 0.00 | 1.53 | 0.00 | 0.00 | 0.00 | 30.82 | 0.00 | 0.00 | 0.00 | -12.18 | 8.74 | 403.47 | 1,044.76 | 1,091.80 | 1,399.02 | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | — | 0.00 | 0.00 |
| Segment revenue: Other Banking Operations | 6,392.26 | 6,720.99 | 7,497.44 | 7,417.53 | 6,142.14 | 7,333.07 | 7,848.82 | 8,435.66 | 7,025.60 | 8,106.50 | 8,385.88 | 8,410.62 | 8,626.74 | 9,449.65 | 9,482.59 | 10,286.05 | 10,154.71 | 7,270.03 | 7,511.34 | — | — | 8,716.61 | — | — | 8,693.64 | 9,333.81 | — | — | 9,044.03 |
| Segment revenue: Insurance Business | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 26,013.03 | 29,862.25 | 31,001.94 | 29,632.63 | 31,439.60 | 20,149.44 | 26,408.60 | 31,619.24 | 22,798.91 | 31,681.36 | 21,980.32 | 35,951.83 |
| Segment revenue: Others | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 3,147.35 | 3,433.61 | 3,750.41 | 3,662.61 | 4,517.50 | 4,584.06 | 4,372.17 | 4,414.83 | 4,721.00 | 5,240.91 | 5,130.72 | 4,974.15 |
| Segment revenue: Other Banking Business | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 8,318.92 | 7,994.16 | — | 9,165.17 | 9,573.11 | — | — | 9,548.42 | 9,265.09 | — |
| Segment result (before tax and finance costs): Retail Banking | 3,067.14 | 4,023.64 | 3,184.21 | 2,667.47 | 2,220.05 | 2,655.18 | 1,507.18 | 4,192.39 | 1,090.36 | 2,077.18 | 1,959.26 | 4,096.44 | 2,700.50 | 3,077.50 | 4,409.06 | 3,976.48 | 3,569.06 | 5,938.60 | 5,725.88 | 426.37 | 5,821.28 | 6,915.89 | 6,423.20 | 8,148.74 | 3,381.70 | 9,098.86 | 8,648.18 | 10,897.98 | 10,131.32 |
| Segment result (before tax and finance costs): Treasury | 781.53 | 695.21 | 903.73 | 1,082.30 | 2,505.17 | 1,923.61 | 2,169.36 | 2,432.36 | 2,707.43 | 2,317.27 | 2,531.05 | 1,383.76 | 266.17 | 12.26 | 774.94 | 1,043.12 | 1,354.90 | 1,823.49 | 1,883.46 | 9,128.25 | 1,706.33 | 743.83 | 924.51 | 1,230.69 | 10,597.73 | 4,212.52 | 2,227.60 | 1,925.23 | 2,406.59 |
| Segment result (before tax and finance costs): Wholesale Banking | 3,321.43 | 3,006.91 | 3,979.27 | 3,813.48 | 3,644.45 | 3,453.16 | 5,875.38 | 4,464.55 | 5,356.72 | 5,813.21 | 7,726.11 | 6,156.97 | 7,366.64 | 9,221.87 | 8,494.35 | 8,559.13 | 8,848.19 | 9,804.85 | 9,876.77 | 3,751.15 | 10,776.18 | 11,864.31 | 11,497.04 | 10,406.43 | 3,698.39 | 8,922.62 | 10,927.99 | 10,398.96 | 10,364.04 |
| 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 Operations | 2,097.72 | 2,130.90 | 2,610.85 | 2,532.86 | 1,375.52 | 2,742.60 | 2,684.12 | 542.05 | 1,864.30 | 2,560.97 | 2,485.51 | 2,333.64 | 2,890.72 | 2,741.58 | 3,270.01 | 3,795.31 | 3,442.62 | 2,774.38 | 2,745.95 | — | — | 3,075.19 | — | — | 2,016.76 | 2,790.10 | — | — | 2,795.81 |
| Segment result (before tax and finance costs): Insurance Business | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 640.09 | 1,361.02 | 1,320.19 | 1,360.81 | 1,163.42 | 1,558.21 | 1,871.17 | 1,644.92 | 1,746.19 | 1,913.74 | 1,778.65 | 1,750.38 |
| Segment result (before tax and finance costs): Others | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 537.26 | 451.43 | 678.60 | 83.98 | 799.72 | 568.11 | 358.57 | 91.71 | 489.63 | 787.42 | 699.63 | 334.48 |
| Segment result (before tax and finance costs): Other Banking Business | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 2,825.78 | 3,556.54 | — | 3,588.17 | 4,143.85 | — | — | 3,046.97 | 2,562.40 | — |
| Basic earnings per share, before extraordinary items | 20.80 | 12.10 | 14.00 | 49.80 | 12.60 | 14.00 | 15.90 | 57.90 | 14.40 | 16.40 | 19.10 | 68.80 | 17.30 | 20.01 | 22.78 | 82.64 | 22.15 | 22.24 | 22.74 | 90.42 | 21.67 | 23.40 | 23.11 | 92.81 | 21.23 | 12.78 | 12.88 | 49.50 | 12.50 |
| Diluted earnings per share, before extraordinary items | 20.60 | 12.00 | 13.90 | 49.50 | 12.60 | 14.00 | 15.80 | 57.60 | 14.30 | 16.30 | 19.00 | 68.30 | 17.20 | 19.93 | 22.68 | 82.27 | 22.03 | 22.12 | 22.65 | 90.01 | 21.59 | 23.29 | 23.00 | 92.39 | 21.12 | 12.71 | 12.82 | 49.28 | 12.47 |
| Face value per share | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Share price at period end | 610.94 | 613.72 | 636.05 | 430.95 | 532.92 | 539.30 | 718.15 | 746.83 | 748.95 | 797.47 | 739.70 | 735.17 | 674.00 | 710.67 | 814.08 | 804.78 | 850.70 | 763.15 | 854.62 | 723.95 | 841.90 | 866.03 | 886.42 | 914.10 | 1,000.75 | 951.00 | 991.20 | 731.55 | 797.95 |
| Shares outstanding | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 | 15,586,468,071.00 |
| Promoter and promoter group, % | — | — | — | — | — | — | — | — | — | 25.83 | 25.80 | 25.78 | 25.73 | 25.64 | 25.60 | 25.59 | 25.52 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Foreign institutions, % | — | — | — | — | — | — | — | — | — | — | — | — | — | 32.15 | 32.10 | 32.24 | 33.38 | 52.13 | 52.30 | 47.83 | 47.17 | 48.01 | 49.20 | 48.30 | 48.84 | 48.39 | 47.67 | 44.05 | 41.83 |
| of which foreign portfolio investors, % (pre-2025 taxonomy) | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| of which foreign portfolio investors category I, % (2025 taxonomy) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 46.29 | 45.84 | 45.20 | 41.67 | 39.61 |
| Domestic institutions, % | — | — | — | — | — | — | — | — | — | — | — | — | — | 27.69 | 28.38 | 28.34 | 26.99 | 30.64 | 30.80 | 33.60 | 35.48 | 35.31 | 34.56 | 35.86 | 35.96 | 36.26 | 37.19 | 40.32 | 41.92 |
| of which mutual funds, % | — | — | — | — | — | — | — | — | — | 14.54 | 14.98 | 16.28 | 18.03 | 18.00 | 18.37 | 18.47 | 17.60 | 19.71 | 19.45 | 23.17 | 24.83 | 24.53 | 23.93 | 25.23 | 25.61 | 26.02 | 26.66 | 29.54 | 30.62 |
| of which insurance companies, % | — | — | — | — | — | — | — | — | — | 2.94 | 2.89 | 0.59 | 0.73 | 7.87 | 8.11 | 8.01 | 7.63 | 8.74 | 9.07 | 8.11 | 8.21 | 8.27 | 7.99 | 7.99 | 7.54 | 7.26 | 7.18 | 7.21 | 7.37 |
| Non-institutions, % | — | — | — | — | — | — | — | — | — | 13.25 | 13.60 | 13.89 | 14.69 | 14.52 | 13.92 | 13.84 | 14.11 | 17.23 | 16.89 | 18.57 | 17.35 | 16.67 | 16.23 | 15.84 | 15.20 | 15.35 | 15.13 | 15.64 | 16.25 |
| Public, % | — | — | — | — | — | — | — | — | — | 74.17 | 74.20 | 74.22 | 74.27 | 74.36 | 74.40 | 74.41 | 74.48 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Total shares, as filed | — | — | — | — | — | — | — | — | — | 4,509,336,365.00 | 4,514,283,951.00 | 4,517,425,451.00 | 4,526,437,221.00 | 4,541,843,501.00 | 4,548,639,871.00 | 4,551,627,261.00 | 4,563,683,281.00 | 6,553,700,513.00 | 6,564,369,209.00 | 6,568,795,137.00 | 6,580,006,777.00 | 6,602,662,784.00 | 6,620,212,601.00 | 6,624,118,731.00 | 6,639,810,703.00 | 13,307,492,668.00 | 13,328,371,330.00 | 13,337,162,442.00 | 13,350,313,106.00 |
| Claims agreeing within 2% | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 0.00 | — | — | — | — | — | — | — | — | — | — | — |
| Claims within 10% | — | — | — | — | — | — | — | — | — | — | — | 3.00 | 1.00 | — | — | — | — | 4.00 | — | — | — | — | — | — | — | — | — | — | — |
| Claims diverging | — | — | — | — | — | — | — | — | — | — | — | 2.00 | 4.00 | — | — | — | — | 3.00 | — | — | — | — | — | — | — | — | — | — | — |
| Adjusted, non-statutory measures quoted | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 1.00 | — | — | — | — | 0.00 | — | — | — | — | — | — | — | — | — | — | — |
| Segment or subset claims | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 0.00 | — | — | — | — | — | — | — | — | — | — | — |
| Forward-looking statements carrying a number | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 1.00 | — | — | 1.00 | 0.00 | — | — | — | 0.00 | 0.00 | — | 0.00 |
| Guidance raised | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 0.00 | — | — | 0.00 | 0.00 | — | — | — | 0.00 | 0.00 | — | 0.00 |
| Guidance lowered or narrowed | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 0.00 | — | — | 0.00 | 0.00 | — | — | — | 0.00 | 0.00 | — | 0.00 |
| Guidance maintained | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | — | — | — | — | 0.00 | — | — | 0.00 | 0.00 | — | — | — | 0.00 | 0.00 | — | 0.00 |
| One-time, exceptional or non-recurring items called out | — | — | — | — | — | — | — | — | — | — | — | 0.00 | 1.00 | — | — | — | — | 0.00 | — | — | 0.00 | 0.00 | — | — | — | 1.00 | 0.00 | — | 0.00 |
| Confidence ratio (confidence words / confidence + caution words) | — | — | — | — | — | — | — | — | — | — | — | — | 1.00 | — | — | — | — | 0.88 | — | — | 0.46 | 0.79 | — | — | — | 0.50 | 1.00 | — | 0.60 |
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.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220425 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220721 | 2022-06-30 | yes | |
| COVER_LETTER | 20221021 | 2022-09-30 | no | |
| TRANSCRIPT | 20231021 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240725 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241025 | 2024-09-30 | yes | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260319 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260724 | 2026-06-30 | yes |
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
| Quarter | Theme | Management sentences | Analyst sentences | Management share |
|---|---|---|---|---|
| Q1FY23 | AI and technology | 0 | 0 | 0.0 |
| Q1FY23 | Capex and capacity | 1 | 2 | 0.0357 |
| Q1FY23 | Capital allocation | 0 | 0 | 0.0 |
| Q1FY23 | Competition | 0 | 0 | 0.0 |
| Q1FY23 | Credit quality | 2 | 4 | 0.0714 |
| Q1FY23 | Currency and macro | 0 | 1 | 0.0 |
| Q1FY23 | Demand and volumes | 0 | 2 | 0.0 |
| Q1FY23 | Deposits and liquidity | 0 | 6 | 0.0 |
| Q1FY23 | Distribution and persistency | 2 | 7 | 0.0714 |
| Q1FY23 | Margins and costs | 0 | 17 | 0.0 |
| Q1FY23 | People and attrition | 0 | 1 | 0.0 |
| Q1FY23 | Pricing and realisation | 0 | 13 | 0.0 |
| Q1FY23 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q1FY23 | Regulation and policy | 2 | 3 | 0.0714 |
| Q1FY25 | AI and technology | 0 | 0 | 0.0 |
| Q1FY25 | Capex and capacity | 0 | 1 | 0.0 |
| Q1FY25 | Capital allocation | 0 | 0 | 0.0 |
| Q1FY25 | Competition | 3 | 6 | 0.0131 |
| Q1FY25 | Credit quality | 3 | 1 | 0.0131 |
| Q1FY25 | Currency and macro | 0 | 0 | 0.0 |
| Q1FY25 | Demand and volumes | 2 | 0 | 0.0087 |
| Q1FY25 | Deposits and liquidity | 11 | 11 | 0.048 |
| Q1FY25 | Distribution and persistency | 6 | 1 | 0.0262 |
| Q1FY25 | Margins and costs | 9 | 3 | 0.0393 |
| Q1FY25 | People and attrition | 1 | 0 | 0.0044 |
| Q1FY25 | Pricing and realisation | 3 | 2 | 0.0131 |
| Q1FY25 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q1FY25 | Regulation and policy | 2 | 0 | 0.0087 |
| Q1FY27 | AI and technology | 3 | 1 | 0.0138 |
| Q1FY27 | Capex and capacity | 1 | 0 | 0.0046 |
| Q1FY27 | Capital allocation | 3 | 3 | 0.0138 |
| Q1FY27 | Competition | 5 | 1 | 0.0229 |
| Q1FY27 | Credit quality | 4 | 2 | 0.0183 |
| Q1FY27 | Currency and macro | 0 | 0 | 0.0 |
| Q1FY27 | Demand and volumes | 3 | 0 | 0.0138 |
| Q1FY27 | Deposits and liquidity | 24 | 10 | 0.1101 |
| Q1FY27 | Distribution and persistency | 16 | 2 | 0.0734 |
| Q1FY27 | Margins and costs | 14 | 5 | 0.0642 |
| Q1FY27 | People and attrition | 0 | 0 | 0.0 |
| Q1FY27 | Pricing and realisation | 12 | 0 | 0.055 |
| Q1FY27 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q1FY27 | Regulation and policy | 5 | 3 | 0.0229 |
| Q2FY24 | AI and technology | 0 | 0 | 0.0 |
| Q2FY24 | Capex and capacity | 2 | 0 | 0.0099 |
| Q2FY24 | Capital allocation | 0 | 0 | 0.0 |
| Q2FY24 | Competition | 9 | 0 | 0.0446 |
| Q2FY24 | Credit quality | 4 | 1 | 0.0198 |
| Q2FY24 | Currency and macro | 2 | 0 | 0.0099 |
| Q2FY24 | Demand and volumes | 3 | 0 | 0.0149 |
| Q2FY24 | Deposits and liquidity | 15 | 10 | 0.0743 |
| Q2FY24 | Distribution and persistency | 12 | 4 | 0.0594 |
| Q2FY24 | Margins and costs | 6 | 4 | 0.0297 |
| Q2FY24 | People and attrition | 0 | 0 | 0.0 |
| Q2FY24 | Pricing and realisation | 2 | 0 | 0.0099 |
| Q2FY24 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q2FY24 | Regulation and policy | 3 | 0 | 0.0149 |
| Q2FY25 | AI and technology | 1 | 0 | 0.0037 |
| Q2FY25 | Capex and capacity | 0 | 1 | 0.0 |
| Q2FY25 | Capital allocation | 0 | 0 | 0.0 |
| Q2FY25 | Competition | 1 | 2 | 0.0037 |
| Q2FY25 | Credit quality | 5 | 8 | 0.0185 |
| Q2FY25 | Currency and macro | 4 | 0 | 0.0148 |
| Q2FY25 | Demand and volumes | 0 | 1 | 0.0 |
| Q2FY25 | Deposits and liquidity | 19 | 12 | 0.0704 |
| Q2FY25 | Distribution and persistency | 8 | 1 | 0.0296 |
| Q2FY25 | Margins and costs | 0 | 3 | 0.0 |
| Q2FY25 | People and attrition | 1 | 0 | 0.0037 |
| Q2FY25 | Pricing and realisation | 10 | 1 | 0.037 |
| Q2FY25 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q2FY25 | Regulation and policy | 2 | 1 | 0.0074 |
| Q2FY26 | AI and technology | 2 | 0 | 0.0112 |
| Q2FY26 | Capex and capacity | 1 | 0 | 0.0056 |
| Q2FY26 | Capital allocation | 2 | 0 | 0.0112 |
| Q2FY26 | Competition | 3 | 2 | 0.0169 |
| Q2FY26 | Credit quality | 6 | 2 | 0.0337 |
| Q2FY26 | Currency and macro | 5 | 0 | 0.0281 |
| Q2FY26 | Demand and volumes | 9 | 1 | 0.0506 |
| Q2FY26 | Deposits and liquidity | 17 | 5 | 0.0955 |
| Q2FY26 | Distribution and persistency | 11 | 2 | 0.0618 |
| Q2FY26 | Margins and costs | 13 | 4 | 0.073 |
| Q2FY26 | People and attrition | 0 | 0 | 0.0 |
| Q2FY26 | Pricing and realisation | 6 | 2 | 0.0337 |
| Q2FY26 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q2FY26 | Regulation and policy | 4 | 1 | 0.0225 |
| Q3FY26 | AI and technology | 0 | 0 | 0.0 |
| Q3FY26 | Capex and capacity | 0 | 1 | 0.0 |
| Q3FY26 | Capital allocation | 0 | 0 | 0.0 |
| Q3FY26 | Competition | 0 | 0 | 0.0 |
| Q3FY26 | Credit quality | 0 | 0 | 0.0 |
| Q3FY26 | Currency and macro | 0 | 0 | 0.0 |
| Q3FY26 | Demand and volumes | 0 | 0 | 0.0 |
| Q3FY26 | Deposits and liquidity | 0 | 0 | 0.0 |
| Q3FY26 | Distribution and persistency | 0 | 0 | 0.0 |
| Q3FY26 | Margins and costs | 0 | 0 | 0.0 |
| Q3FY26 | People and attrition | 0 | 2 | 0.0 |
| Q3FY26 | Pricing and realisation | 0 | 0 | 0.0 |
| Q3FY26 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q3FY26 | Regulation and policy | 14 | 5 | 0.0693 |
| Q4FY22 | AI and technology | 0 | 1 | 0.0 |
| Q4FY22 | Capex and capacity | 0 | 1 | 0.0 |
| Q4FY22 | Capital allocation | 0 | 0 | 0.0 |
| Q4FY22 | Competition | 0 | 5 | 0.0 |
| Q4FY22 | Credit quality | 0 | 2 | 0.0 |
| Q4FY22 | Currency and macro | 0 | 1 | 0.0 |
| Q4FY22 | Demand and volumes | 0 | 4 | 0.0 |
| Q4FY22 | Deposits and liquidity | 0 | 12 | 0.0 |
| Q4FY22 | Distribution and persistency | 0 | 17 | 0.0 |
| Q4FY22 | Margins and costs | 0 | 14 | 0.0 |
| Q4FY22 | People and attrition | 0 | 0 | 0.0 |
| Q4FY22 | Pricing and realisation | 0 | 10 | 0.0 |
| Q4FY22 | Raw materials and input costs | 0 | 0 | 0.0 |
| Q4FY22 | Regulation and policy | 1 | 2 | 0.2 |
Guidance items
| quarter | metric | direction | sentence | page |
|---|---|---|---|---|
| Q1FY23 | other | nan | So 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 gro | 9 |
| Q2FY24 | other | nan | And that's where I will tell you to look at it, is if you look historically, that's the range of which had. | 10 |
| Q2FY24 | other | nan | And 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 |
| Q2FY24 | other | nan | Because 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 |
| Q2FY24 | other | nan | Rajiv, 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 capac | 15 |
| Q2FY24 | other | nan | We expect that -- yes, it has been in the -- sometimes it's been in the 20s, sometimes it has been in the high teens. | 17 |
| Q1FY25 | other | nan | Yes, 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 |
| Q1FY25 | other | nan | One 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 our | 3 |
| Q1FY25 | other | nan | The 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 |
| Q1FY25 | other | nan | You 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 th | 9 |
| Q2FY25 | other | nan | FY '27, we should be faster than the system growth rate. | 3 |
| Q2FY25 | loan / AUM growth | nan | Instead 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 d | 6 |
| Q2FY25 | other | nan | We have told you that our target that we normally tend to operate is between 110 to 120. | 9 |
| Q2FY25 | other | nan | We 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 |
| Q2FY25 | other | nan | I think that should be maintained. | 15 |
| Q2FY25 | other | nan | In the medium term, I think we should be able to manage these margins in this particular range. | 15 |
| Q2FY25 | other | nan | The question of whether it should be improving, it's a relevant question. | 15 |
| Q2FY25 | other | nan | And we are not targeting one number or one range of numbers that we want to get to there. | 16 |
| Q2FY25 | other | nan | I 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 th | 17 |
| Q2FY26 | other | nan | Global outlook remains very volatile, thanks to the uncertainty related to tariffs and immigration policies. | 3 |
| Q2FY26 | other | nan | Now, we are on that upward trajectory. | 5 |
| Q2FY26 | deposits | nan | In 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 a | 9 |
| Q2FY26 | other | nan | And 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 perso | 10 |
| Q2FY26 | other | nan | So, 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 |
| Q2FY26 | other | nan | But 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 distri | 10 |
| Q2FY26 | net interest margin | nan | And yes, these are the drivers, and it is about the cost of funds which changes that trajectory. | 11 |
| Q2FY26 | other | nan | As 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 |
| Q2FY26 | volume | nan | If 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 carried | 12 |
| Q2FY26 | other | nan | So, we continue to mine that space within our parameters going forward. | 15 |
| Q3FY26 | other | nan | The board has accepted his resignation with appreciation for his guidance and contribution during his tenure. | 3 |
| Q3FY26 | other | nan | We will continue to ensure that this particular trust is maintained not just now but sustained for several years going forward. | 4 |
| Q3FY26 | other | nan | There 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 |
| Q3FY26 | other | nan | So, I think we should be very proud of the positioning in our economy. | 11 |
| Q3FY26 | other | nan | We had a trajectory and we are on path to that trajectory. | 13 |
| Q1FY27 | other | nan | I also sincerely thank the board for their guidance and more so Keki Mistry for chairing as the Interim Chairman during this period. | 3 |
| Q1FY27 | loan / AUM growth | nan | As you have seen, the advances have done very well over the last three, four quarters and that trajectory continues. | 3 |
| Q1FY27 | other | nan | We do think that in the longer term that the profit growth should be at or above the balance sheet growth. | 11 |
| Q1FY27 | other | nan | We 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 i | 11 |
| Q1FY27 | credit cost / asset quality | nan | If you look at the unsecured mix, the provision coverage will be in the 70s, mid-70s or higher. | 14 |
| Q1FY27 | other | nan | That 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 trac | 15 |
Claims reconciled to filings
| Quarter | Metric | Claimed | Kind | Anchor | Anchor value | Verdict | Source |
|---|---|---|---|---|---|---|---|
| Q4FY22 | revenue growth | 10.4 % | ratio | not comparable without the prior year quarter in scope | nan | NO_ANCHOR | Date_20220425_HDFC Bank Ltd._C p5 |
| Q4FY22 | revenue growth | 10.2 % | ratio | not comparable without the prior year quarter in scope | nan | NO_ANCHOR | Date_20220425_HDFC Bank Ltd._C p5 |
| Q4FY22 | net interest income | 18,873 crores | money | derived NII | 203476600000.0 | CLOSE_WITHIN_10PCT | Date_20220425_HDFC Bank Ltd._C p5 |
| Q4FY22 | operating profit / EBITDA | 16,357 crores | money | OPERATING_PROFIT_PRE_PROVISION | 177204000000.0 | CLOSE_WITHIN_10PCT | Date_20220425_HDFC Bank Ltd._C p6 |
| Q4FY22 | profit after tax | 10055 crores | money | PROFIT_AFTER_TAX | 104748900000.0 | CLOSE_WITHIN_10PCT | Date_20220425_HDFC Bank Ltd._C p7 |
| Q4FY22 | revenue | 2,141 crores | money | INTEREST_EARNED | 355741900000.0 | DIVERGES | Date_20220425_HDFC Bank Ltd._C p7 |
| Q4FY22 | revenue growth | 8 % | ratio | not comparable without the prior year quarter in scope | nan | NO_ANCHOR | Date_20220425_HDFC Bank Ltd._C p7 |
| Q4FY22 | profit after tax | 236 crores | money | PROFIT_AFTER_TAX | 104748900000.0 | DIVERGES | Date_20220425_HDFC Bank Ltd._C p8 |
| Q1FY23 | revenue | 27181 crores | money | INTEREST_EARNED | 372738100000.0 | ADJUSTED_MEASURE_NOT_STATUTORY | Date_20220721_HDFC Bank Ltd._C p6 |
| Q1FY23 | profit after tax | 9196 crores | money | PROFIT_AFTER_TAX | 96166700000.0 | CLOSE_WITHIN_10PCT | Date_20220721_HDFC Bank Ltd._C p8 |
| Q1FY23 | revenue | 2194 crores | money | INTEREST_EARNED | 372738100000.0 | DIVERGES | Date_20220721_HDFC Bank Ltd._C p8 |
| Q1FY23 | profit after tax | 441 crores | money | PROFIT_AFTER_TAX | 96166700000.0 | DIVERGES | Date_20220721_HDFC Bank Ltd._C p8 |
| Q1FY23 | revenue | 432 crores | money | INTEREST_EARNED | 372738100000.0 | DIVERGES | Date_20220721_HDFC Bank Ltd._C p8 |
| Q1FY23 | profit after tax | 189 crores | money | PROFIT_AFTER_TAX | 96166700000.0 | DIVERGES | Date_20220721_HDFC Bank Ltd._C p9 |
| Q2FY24 | revenue | 38,093 crores | money | INTEREST_EARNED | 750391000000.0 | DIFFERENT_BASIS_LIKELY | Date_20231021_HDFC Bank Ltd._C p6 |
| Q2FY24 | revenue growth | 33 % | ratio | not comparable without the prior year quarter in scope | nan | NO_ANCHOR | Date_20231021_HDFC Bank Ltd._C p6 |
| Q2FY24 | net interest income | 27,385 crores | money | derived NII | 337891900000.0 | DIVERGES | Date_20231021_HDFC Bank Ltd._C p6 |
| Q2FY24 | operating profit / EBITDA | 22,694 crores | money | OPERATING_PROFIT_PRE_PROVISION | 242791200000.0 | CLOSE_WITHIN_10PCT | Date_20231021_HDFC Bank Ltd._C p7 |
| Q2FY24 | profit after tax | 15,976 crores | money | PROFIT_AFTER_TAX | 173123800000.0 | CLOSE_WITHIN_10PCT | Date_20231021_HDFC Bank Ltd._C p8 |
| Q2FY24 | profit after tax | 601 crores | money | PROFIT_AFTER_TAX | 173123800000.0 | DIVERGES | Date_20231021_HDFC Bank Ltd._C p8 |
| Q2FY24 | profit after tax | 214 crores | money | PROFIT_AFTER_TAX | 173123800000.0 | DIVERGES | Date_20231021_HDFC Bank Ltd._C p8 |
| Q2FY24 | profit after tax | 15,976 crores | money | PROFIT_AFTER_TAX | 173123800000.0 | CLOSE_WITHIN_10PCT | Date_20231021_HDFC Bank Ltd._C p8 |
| Q2FY24 | profit after tax | 16,811 crores | money | PROFIT_AFTER_TAX | 173123800000.0 | CLOSE_WITHIN_10PCT | Date_20231021_HDFC Bank Ltd._C p8 |