• Type of Event: The document is a regulatory filing containing the transcript of the Earnings Call with analysts and investors held on Saturday, October 17, 2026, to discuss the unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2026.
  • Date and Time: The earnings call was held on Saturday, October 17, 2026. A specific start time was not mentioned in the transcript.
  • Stated Purpose: The purpose of the call was to discuss the Bank's Q2 FY27 financial results and provide a business update.
  • Relation to Earnings: The call was held after the earnings announcement, as it is a discussion of the published results for the quarter ended September 30, 2026.
  • Management Participants: The following management members participated in the call:
  • Mr. Sashidhar Jagdishan – Managing Director and Chief Executive Officer
  • Mr. Anup Bagchi – Additional Director (Incoming MD & CEO)
  • Mr. Kaizad Bharucha – Deputy Managing Director
  • Mr. Srinivasan Vaidyanathan – Chief Financial Officer
  • Availability of Materials: The transcript of the earnings call was made available on the Bank's website at https://www.hdfc.bank.in/about-us/investor-relations on October 23, 2026. The announcement letter states that a copy of the transcript was annexed to the regulatory filing.
  • UPSI Statement: The transcript itself is a record of the discussion that took place. The company did not include a specific compliance statement regarding UPSI in this disclosure, as the call was a discussion of already-published results.
  • Financial Highlights Discussed: The management discussed several key financial and operational metrics from the published results:
  • Deposits increased by 18.8% year-on-year (including a 4 ppt lift from the special FCNR(B) window).
  • Total AUM grew 15.3% year-on-year.
  • Quarterly PAT was approximately Rs 19,500 crore (19.5 billion), a growth of 12.7% YoY excluding trading gains.
  • Gross NPA stood at 1.11%, an improvement of 13 bps YoY.
  • Credit costs were low at 44 bps.
  • Return on Assets (ROA) was 1.8%.
  • Net Interest Margin (NIM) for the quarter was 3.32%.
  • Forward-Looking Statements: CEO Sashidhar Jagdishan expressed optimism that NIMs were at the bottom and positioned for a reversal in an upward rate cycle. Incoming CEO Anup Bagchi stated he would soon present a perspective on growth, margins, quality, and productivity after engaging with stakeholders.

Additional Notes Section

  • Attachments: The regulatory filing intimated that a copy of the earnings call transcript was annexed to it.
  • Financial Data: This announcement itself did not disclose new financial data; it was a disclosure of the availability of the transcript which contains management's discussion of the already-published Q2 FY27 results.