HDFC Bank’s Q2 net profit jumps 10.8% to Rs 18,640 crore

Its core net interest margin was at 3.27 per cent on total assets, reflecting assets repricing faster than deposits, as against 3.35 per cent for the prior quarter ended June 30, 2025.

The bank’s provisions and contingencies stood at Rs 3,500 crore. The total credit cost ratio was at 0.51 per cent for the reporting quarter.

Gross advances were at Rs 27,69,200 crore, an increase of 9.9 per cent over September 30, 2024. Retail loans grew by 7.4 per cent, small and mid-market enterprises loans grew by 17 per cent and corporate and other wholesale loans grew by 6.4 per cent.

Gross non-performing assets were at 1.24 per cent of gross advances, as against 1.36 per cent as on September 30, 2024. Net non-performing assets were at 0.42 per cent of net advances

The bank’s total Capital Adequacy Ratio (CAR) was at 20 per cent as against a regulatory requirement of 11.9 per cent. Tier 1 CAR was at 17.9 per cent and Common Equity Tier 1 Capital ratio was at 17.5 per cent.

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