Key Financial Figures - Standalone (₹ in crore)

Income Statement:

  • Interest earned: ₹79,362.78 (Q1 2026) vs ₹77,470.20 (Q1 2025)
  • Other income: ₹12,821.60 (Q1 2026) vs ₹21,729.83 (Q1 2025)
  • Total income: ₹92,184.38 (Q1 2026) vs ₹99,200.03 (Q1 2025)
  • Interest expended: ₹45,828.83 (Q1 2026) vs ₹46,032.23 (Q1 2025)
  • Operating expenses: ₹18,187.49 (Q1 2026) vs ₹17,433.84 (Q1 2025)
  • Operating profit before provisions: ₹28,168.06 (Q1 2026) vs ₹35,733.96 (Q1 2025)
  • Provisions and contingencies: ₹3,059.76 (Q1 2026) vs ₹14,441.63 (Q1 2025)
  • Profit before tax: ₹25,108.30 (Q1 2026) vs ₹21,292.33 (Q1 2025)
  • Tax expense: ₹6,048.58 (Q1 2026) vs ₹3,137.12 (Q1 2025)
  • Net profit: ₹19,059.72 (Q1 2026) vs ₹18,155.21 (Q1 2025)

Balance Sheet (as of June 30, 2026):

  • Total assets: ₹43,974.61 billion
  • Deposits: ₹31,708.30 billion
  • Advances: ₹30,373.03 billion
  • Investments: ₹9,194.13 billion
  • Capital: ₹1,540.13 crore
  • Reserves: ₹576,658.41 crore

Key Ratios - Standalone:

  • Capital Adequacy Ratio: 19.57% (June 2026) vs 19.88% (June 2025)
  • Gross NPA: 1.17% (June 2026) vs 1.40% (June 2025)
  • Net NPA: 0.41% (June 2026)
  • Return on assets: 0.46% (not annualized)
  • Basic EPS: ₹12.38 (not annualized)
  • Diluted EPS: ₹12.35 (not annualized)
  • Debt Equity Ratio: 0.56

Key Financial Figures - Consolidated (₹ in crore)

  • Total income: ₹133,110.36 (Q1 2026) vs ₹133,054.97 (Q1 2025)
  • Net profit before minority interest: ₹20,382.69 (Q1 2026) vs ₹17,090.43 (Q1 2025)
  • Minority interest: ₹1,137.98 (Q1 2026)
  • Net profit: ₹19,244.71 (Q1 2026) vs ₹16,257.91 (Q1 2025)
  • Basic EPS: ₹12.50 (not annualized)
  • Diluted EPS: ₹12.47 (not annualized)

Segment Performance (Standalone)

Segment Revenue (Q1 2026):

  • Treasury: ₹18,192.38 crore
  • Retail Banking: ₹75,888.80 crore
  • Wholesale Banking: ₹48,670.85 crore
  • Other Banking Operations: ₹9,044.03 crore

Segment Results (Q1 2026):

  • Treasury: ₹2,406.59 crore profit
  • Retail Banking: ₹10,131.32 crore profit
  • Wholesale Banking: ₹10,364.04 crore profit
  • Other Banking Operations: ₹2,795.81 crore profit
  • Unallocated: ₹(589.46) crore loss

Important Dates and Events

  • Board meeting held on July 18, 2026 (commenced 11:00 AM, results approved at 2:00 PM)
  • Trading window for designated persons to open on July 21, 2026
  • Bonus shares issued in 1:1 ratio on August 28, 2025 (767,70,39,761 equity shares)
  • Allotted 79,59,164 equity shares during Q1 2026 pursuant to ESOP exercise
  • Made floating provision of ₹9,000 crore during Q1 2025 and FY 2025-26

Subsidiary Performance

HDB Financial Services Limited:

  • Bank holds 74.1% stake
  • Q1 2026 PAT: ₹7.9 billion (38.3% YoY growth)
  • Loan book: ₹1,218 billion as of June 30, 2026
  • Stage 3 loans: 2.34% of gross loans
  • CAR: 21.3% (Tier-I: 17.1%)

HDFC Life Insurance Company Limited:

  • Bank holds 50.54% stake (increased from preferential allotment of 1,45,23,906 shares for ₹1,000 crore on June 16, 2026)
  • Q1 2026 PAT: ₹6.1 billion (11.9% YoY growth)

HDFC ERGO General Insurance Company Limited:

  • Bank holds 50.2% stake
  • Q1 2026 PAT: ₹2.2 billion

HDFC Asset Management Company Limited:

  • Bank holds 52.3% stake
  • Q1 2026 PAT: ₹8.4 billion (12.1% YoY growth)
  • AUM: Approximately ₹9,351 billion

HDFC Securities Limited:

  • Bank holds 94.0% stake
  • Q1 2026 PAT: ₹3.0 billion (28.3% YoY growth)

Regulatory and Compliance Matters

  • The financial results were subjected to limited review by joint statutory auditors Batliboi & Purohit and B S R & Co. LLP
  • External legal review concluded regarding former Chairman Mr. Atanu Chakraborty's resignation - findings showed statements were not substantiated
  • Dubai DIFC Branch received decision notice from DFSA dated September 25, 2025 restricting new client business
  • No material impact expected from DIFC Branch restrictions
  • The Bank complies with RBI guidelines on project finance disclosures
  • Security Receipts outstanding: ₹1,049.19 crore as of June 30, 2026

Network and Operational Highlights

  • Distribution network: 9,694 branches and 20,958 ATMs across 4,175 cities/towns
  • 50% branches in semi-urban and rural areas
  • 14,392 business correspondents primarily manned by Common Service Centres
  • Employees: 212,958 as of June 30, 2026

Capital Structure

  • Paid-up equity share capital: ₹1,540.13 crore (Face value ₹1 each)
  • Employees stock options outstanding: ₹4,894.56 crore
  • Reserves excluding revaluation reserves: ₹576,658.41 crore