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HDFC Bank Q4 earnings: India’s largest pvt lender’s profit rises 6.7% YoY to Rs 17,616 crore

Retail loans grew by 9 per cent, commercial and rural banking loans rose 12.8 per cent and corporate and other wholesale loans were lower by 3.6 per cent

Total deposits stood at Rs 27,14,700 crore at the end of quarter ended March 2025 (Representative image/Archive)

HDFC Bank’s standalone profit after tax (PAT) grew 6.7 per cent to Rs 17,616.14 crore in three months ended March 31, 2025, compared to Rs 16,511.85 crore in the year-ago quarter.

Profit after tax for the year ended March 31, 2025 was Rs 67,350 crore, up by 10.7 per cent over the corresponding year ended March 31, 2024.

Net interest income (NII), which is interest earned less interest expended, for the quarter ended March 31, 2025 rose 10.3 per cent to Rs 32,070 crore from Rs 29,080 crore for the quarter ended March 31, 2024. Net interest margin (NIM) stood at 3.54 per cent on total assets, and 3.73 per cent based on interest earning assets. Other income (non-interest revenue) for the January-March quarter was Rs 12,030 crore.

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Gross non-performing assets (NPAs) were at 1.33 per cent of gross advances as on March 31, 2025, as against 1.24 per cent in the quarter ended March, 2024. Net non-performing assets were at 0.43 per cent of net advances. Provisions and contingencies were Rs 3,190 crore as against Rs 13,510 crore for the quarter ended March 31, 2024. Gross advances increased 5.4 per cent to Rs 26,43,500 crore as of March 31.

Retail loans grew by 9 per cent, commercial and rural banking loans rose 12.8 per cent and corporate and other wholesale loans were lower by 3.6 per cent. Total deposits stood at Rs 27,14,700 crore at the end of quarter ended March 2025.