Key Quantitative Figures - Standalone (₹ in crore)

Profit & Loss Statement (Quarter ended September 30, 2026)

  • Interest earned: ₹83,426.60
  • Other income: ₹13,831.02
  • Total income: ₹97,267.62
  • Interest expended: ₹48,807.42
  • Operating expenses: ₹18,966.78
  • Operating profit before provisions: ₹29,483.42
  • Provisions and contingencies: ₹3,573.62
  • Profit before tax: ₹25,909.80
  • Tax expense: ₹6,399.84
  • Net profit: ₹19,609.96

Balance Sheet (As at September 30, 2026)

  • Total assets: ₹45,77,769.77
  • Deposits: ₹33,27,448.93
  • Advances: ₹31,95,566.06
  • Investments: ₹9,23,997.08
  • Capital: ₹1,541.86
  • Reserves: ₹5,77,604.60

Key Ratios (Quarter ended September 30, 2026)

  • Capital Adequacy Ratio: 18.87%
  • Gross NPA ratio: 1.11%
  • Net NPA ratio: 0.37%
  • Return on assets: 0.45%
  • Basic EPS: ₹12.66
  • Diluted EPS: ₹12.63

Key Quantitative Figures - Consolidated (₹ in crore)

Profit & Loss Statement (Quarter ended September 30, 2026)

  • Interest earned: ₹95,131.63
  • Other income: ₹34,227.06
  • Total income: ₹1,29,358.69
  • Interest expended: ₹50,667.43
  • Operating expenses: ₹45,819.72
  • Operating profit before provisions: ₹32,871.54
  • Provisions and contingencies: ₹4,209.00
  • Profit before tax and minority interest: ₹28,662.54
  • Tax expense: ₹7,125.45
  • Net profit before minority interest: ₹21,537.09
  • Minority interest: ₹837.06
  • Net profit: ₹20,700.03

Key Ratios (Quarter ended September 30, 2026)

  • Basic EPS: ₹13.43
  • Diluted EPS: ₹13.41

Half Year Performance (Standalone)

  • Total income: ₹1,89,442.00 for H1 FY27 vs ₹1,90,240.76 for H1 FY26
  • Net profit: ₹38,669.68 for H1 FY27 vs ₹36,796.49 for H1 FY26
  • Basic EPS: ₹25.04 for H1 FY27 vs ₹24.00 for H1 FY26

Segment-wise Performance (Standalone)

Revenue (Quarter ended September 30, 2026)

  • Treasury: ₹19,150.30
  • Retail Banking: ₹79,112.16
  • Wholesale Banking: ₹52,743.87
  • Other Banking Operations: ₹9,700.20

Profit Before Tax (Quarter ended September 30, 2026)

  • Treasury: ₹2,099.17
  • Retail Banking: ₹10,521.59
  • Wholesale Banking: ₹10,563.24
  • Other Banking Operations: ₹3,297.50
  • Unallocated: (₹571.70)

Subsidiary Performance Highlights

HDB Financial Services Limited (74.1% stake)

  • Q2 FY27 PAT: ₹780 crore (growth of 34.2% YoY)
  • H1 FY27 PAT: ₹1,570 crore
  • Loan book: ₹1,245 billion as of September 30, 2026
  • Stage 3 loans: 2.43% of gross loans
  • Total CAR: 21.4%

HDFC Life Insurance Company Limited (50.5% stake)

  • Q2 FY27 PAT: ₹510 crore (growth of 13.6% YoY)
  • H1 FY27 PAT: ₹1,120 crore

HDFC ERGO General Insurance Company Limited (50.2% stake)

  • Q2 FY27 PAT: ₹160 crore
  • H1 FY27 PAT: ₹380 crore

HDFC Asset Management Company Limited (52.3% stake)

  • Quarterly Average AUM: Approximately ₹9,691 billion
  • Q2 FY27 PAT: ₹750 crore
  • H1 FY27 PAT: ₹1,590 crore

HDFC Securities Limited (93.9% stake)

  • Q2 FY27 total revenue: ₹960 crore
  • Q2 FY27 PAT: ₹270 crore (growth of 26.1% YoY)
  • H1 FY27 PAT: ₹560 crore

Business Growth Metrics

Deposits (As of September 30, 2026)

  • Total deposits: ₹33,274 billion (growth of 18.8% YoY)
  • CASA deposits: ₹10,519 billion (savings ₹7,163 billion + current ₹3,356 billion)
  • CASA ratio: 31.6%
  • Time deposits: ₹22,755 billion (growth of 22.8% YoY)

Advances (As of September 30, 2026)

  • Gross advances: ₹32,195 billion (growth of 16.3% YoY)
  • Retail loans growth: 11.7% YoY
  • SME loans growth: 23.5% YoY
  • Corporate/wholesale loans growth: 16.4% YoY
  • Overseas advances: 3.3% of total advances

Asset Quality

Standalone (As of September 30, 2026)

  • Gross NPAs: ₹35,809.70 crore (1.11% of gross advances)
  • Net NPAs: ₹11,850.86 crore (0.37% of net advances)
  • Provision coverage: Not quantified in disclosure

Capital Adequacy

  • Total Capital Adequacy Ratio (Basel III): 18.9% (regulatory requirement: 11.9%)
  • Tier 1 CAR: 17.2%
  • Common Equity Tier 1: 17.1%
  • Risk-weighted Assets: ₹31,793 billion

Network Statistics (As of September 30, 2026)

  • Branches: 9,706 across 4,177 cities/towns
  • ATMs: 20,881
  • Business correspondents: 14,365
  • Employees: 2,10,109
  • 50% branches in semi-urban and rural areas

Regulatory and Compliance Information

Board Meeting Details

  • Meeting commenced: October 17, 2026 at 11:00 a.m.
  • Results approved: October 17, 2026 at 1:30 p.m.
  • Trading window reopening: October 20, 2026

Dubai Branch Restriction

  • DIFC Branch received decision notice from DFSA dated September 25, 2025
  • Prohibition on soliciting or conducting business with new clients for specified financial services
  • Does not affect servicing of existing customers
  • Business not material to Bank's operations or financial position

COVID-19 Resolution Framework

  • Exposure to restructured standard accounts: ₹1,952.46 crore as of September 30, 2026
  • Personal loans: ₹1,690.55 crore
  • Corporate persons: ₹159.53 crore
  • MSMEs: ₹12.61 crore
  • Others: ₹102.37 crore

Audit Information

  • Results subjected to 'Limited Review' by joint statutory auditors
  • Auditors: Batliboi & Purohit, Chartered Accountants and B S R & Co. LLP, Chartered Accountants
  • Unmodified review conclusion issued

Other Significant Disclosures

  • During Q2 FY26, the Bank made floating provision of ₹9,000 crore in line with Board approved policy
  • During H1 FY26, the Bank recognized net gain of ₹9,128.40 crore (before tax) on sale of HDBFS shares through OFS
  • Tax provision for H1 FY26 includes write back of ₹1,144.46 crore pursuant to favourable orders
  • The Bank allotted 1,72,69,856 equity shares in Q2 FY27 pursuant to employee stock option exercises