HDB 6-K

Hdfc Bank Ltd (HDB)

6-K 2026-07-20 For: 2026-07-18

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	HDFC BANK LIMITED
	(Registrant)

Date: July 18, 2026	By:	/s/ Ajay Agarwal
	Name: Ajay Agarwal
	Title: Company Secretary Group Head – Secretarial & Group Oversight


		(₹ in crore)
		Quarter ended									Year ended
		30.06.2026			31.03.2026			30.06.2025			31.03.2026
Particulars		Unaudited			Audited (Refer note 5)			Unaudited			Audited
1	Interest earned (a)+(b)+(c)+(d)		79362.78			76610.02			77470.20			307522.08
	a) Interest / discount on advances / bills		61953.87			60351.21			60192.64			239762.46
	b) Income on investments		14272.21			13923.99			15070.08			58945.38
	c) Interest on balances with Reserve Bank of India and other inter-bank funds		1365.28			879.41			670.17			2674.70
	d) Others		1771.42			1455.41			1537.31			6139.54
2	Other Income (Refer note 12)		12821.60			13198.88			21729.83			62532.57
3	Total Income (1)+(2)		92184.38			89808.90			99200.03			370054.65
4	Interest expended		45828.83			43528.45			46032.23			178836.04
5	Operating expenses (i)+(ii)		18187.49			18477.53			17433.84			72660.33
	i) Employees cost		6414.83			6227.72			6157.97			26050.15
	ii) Other operating expenses		11772.66			12249.81			11275.87			46610.18
6	Total Expenditure (4)+(5) (excluding provisions and contingencies)		64016.32			62005.98			63466.07			251496.37
7	Operating Profit before provisions and contingencies (3)-(6)		28168.06			27802.92			35733.96			118558.28
8	Provisions (other than tax) and Contingencies (Refer note 8)		3059.76			2609.57			14441.63			23389.59
9	Exceptional items		—			—			—			—
10	Profit from ordinary activities before tax (7)-(8)-(9)		25108.30			25193.35			21292.33			95168.69
11	Tax Expense (Refer note 14)		6048.58			5972.30			3137.12			20497.40
12	Net Profit from ordinary activities after tax (10)-(11)		19059.72			19221.05			18155.21			74671.29
13	Extraordinary items (net of tax expense)		—			—			—			—
14	Net Profit for the period (12)-(13)		19059.72			19221.05			18155.21			74671.29
15	Paid up equity share capital (Face Value of ₹ 1/- each)		1540.13			1539.34			766.79			1539.34
16	Reserves excluding revaluation reserves											556816.45
17	Analytical Ratios and other disclosures:
	(i) Percentage of shares held by Government of India		Nil			Nil			Nil			Nil
	(ii) Capital Adequacy Ratio		19.57	%		19.71	%		19.88	%		19.71	%
	(iii) Earnings per share (EPS) (₹) (Face Value of ₹ 1/- each): (Refer note 6)
	(a) Basic EPS before & after extraordinary items (net of tax expense) - not annualized		12.38			12.49			11.86			48.62
	(b) Diluted EPS before & after extraordinary items (net of tax expense) - not annualized		12.35			12.45			11.79			48.40
	(iv) NPA Ratios:
	(a) Gross NPAs		35846.35			34061.19			37040.80			34061.19
	(b) Net NPAs		12357.27			11169.54			12275.99			11169.54
	(c) % of Gross NPAs to Gross Advances		1.17	%		1.15	%		1.40	%		1.15	%
	(d) % of Net NPAs to Net Advances		0.41	%		0.38	%		0.47	%		0.38	%
	(v) Return on assets (average) - not annualized		0.46	%		0.48	%		0.48	%		1.94	%
	(vi) Net worth		566201.13			546325.46			508803.89			546325.46
	(vii) Outstanding Redeemable Preference Shares		—			—			—			—
	(viii) Capital Redemption Reserve		—			—			—			—
	(ix) Debt Equity Ratio*		0.56			0.53			0.61			0.53
	(x) Total Debts to Total Assets**		10.50	%		11.21	%		12.90	%		11.21	%


		(₹ in crore)
		Quarter ended									Year ended 31.03.2026
		30.06.2026			31.03.2026			30.06.2025			Year ended 31.03.2026
Particulars		Unaudited			Audited (Refer note 5)			Unaudited			Audited
1	Segment Revenue
a)	Treasury (Refer note 12)		18192.38			17295.96			28283.34			84337.48
b)	Retail Banking:		75888.80			74757.59			75191.18			301853.51
	(i) Digital Banking*		3.39			2.76			2.49			10.37
	(ii) Non Digital Banking		75885.41			74754.83			75188.69			301843.14
c)	Wholesale Banking		48670.85			44643.71			44790.22			174506.30
d)	Other Banking Operations		9044.03			9265.09			8693.64			36840.96
e)	Unallocated		—			—			—			—
	Total		151796.06			145962.35			156958.38			597538.25
	Less: Inter Segment Revenue		59611.68			56153.45			57758.35			227483.60

	Income from Operations		92184.38			89808.90			99200.03			370054.65

2	Segment Results^$
a)	Treasury (Refer note 12)		2406.59			1925.23			12776.86			21142.48
b)	Retail Banking:		10131.32			10897.98			3381.70			32026.72
	(i) Digital Banking*		0.07			(0.56	)		(0.20	)		(1.59	)
	(ii) Non Digital Banking		10131.25			10898.54			3381.90			32028.31
c)	Wholesale Banking		10364.04			10398.96			3698.39			33947.96
d)	Other Banking Operations		2795.81			2562.40			2016.76			10415.96
e)	Unallocated		(589.46	)		(591.22	)		(581.38	)		(2364.43	)

	Total Profit Before Tax		25108.30			25193.35			21292.33			95168.69

3	Segment Assets
a)	Treasury		1086021.85			1149929.44			1024344.73			1149929.44
b)	Retail Banking:		1618976.54			1580887.11			1528135.60			1580887.11
	(i) Digital Banking*		146.45			138.04			88.04			138.04
	(ii) Non Digital Banking		1618830.09			1580749.07			1528047.56			1580749.07
c)	Wholesale Banking		1559292.84			1499816.13			1269139.82			1499816.13
d)	Other Banking Operations		115884.08			112867.13			110854.88			112867.13
e)	Unallocated		17285.97			21386.51			21601.63			21386.51

	Total		4397461.28			4364886.32			3954076.66			4364886.32

4	Segment Liabilities^$
a)	Treasury		78998.60			98273.66			84025.64			98273.66
b)	Retail Banking:		2532744.34			2528789.64			2322644.57			2528789.64
	(i) Digital Banking*		156.83			147.09			93.51			147.09
	(ii) Non Digital Banking		2532587.51			2528642.55			2322551.06			2528642.55
c)	Wholesale Banking		1159025.98			1130276.17			966071.31			1130276.17
d)	Other Banking Operations		4100.45			3997.87			9253.99			3997.87
e)	Unallocated		39498.81			40648.08			49441.01			40648.08

	Total		3814368.18			3801985.42			3431436.52			3801985.42

5	Capital, Employees stock options outstanding and Reserves		583093.10			562900.90			522640.14			562900.90

6	Total (4)+(5)		4397461.28			4364886.32			3954076.66			4364886.32


	(₹ in crore)
	As at 30.06.2026		As at 30.06.2025		As at 31.03.2026
Particulars	Unaudited		Unaudited		Audited
CAPITAL AND LIABILITIES
Capital		1540.13		766.79		1539.34
Employees stock options / units outstanding		4894.56		4043.72		4545.11
Reserves and surplus		576658.41		517829.63		556816.45
Deposits		3170830.09		2764089.02		3105250.48
Borrowings		461812.65		510056.21		489394.63
Other liabilities and provisions		181725.44		157291.29		207340.31

Total		4397461.28		3954076.66		4364886.32

ASSETS
Cash and balances with Reserve Bank of India		150562.42		142538.15		200679.37
Balances with banks and money at call and short notice		73002.00		60057.11		97786.99
Investments		919413.40		896663.53		884201.47
Advances		3037303.31		2628434.20		2937166.26
Fixed assets		14566.38		13784.70		14724.64
Other assets		202613.77		212598.97		230327.59

Total		4397461.28		3954076.66		4364886.32


	₹ in crore except number of accounts
Particulars	To Asset Reconstruction Companies (ARCs)		To permitted transferees		To other transferees
Number of accounts		—		—		—
Aggregate principal outstanding of loans transferred		—		—		—
Weighted average residual tenor of the loans transferred (in years)		—		—		—
Net book value of loans transferred (at the time of transfer)		—		—		—
Aggregate consideration		—		—		—
Additional consideration realised in respect of accounts transferred in earlier years		7.43		—		—


	(₹ in crore)
Rating	Rating Agency	Recovery rating	Gross Value of Outstanding SRs
RR1+	India Ratings	More than 150%	0.15
RR1	ICRA	100% - 150%		111.65
RR2	India Ratings	75% - 100%		27.32
RR4	India Ratings	25% - 50%		35.14
RR5	India Ratings	Upto 25%		125.67
RR5	CRISIL	Upto 25%		29.41
Unrated				719.85
		Total		1,049.19


Item Description	Number of accounts		Total outstanding (₹ in crore)
1. Projects under implementation accounts at the beginning of the quarter		447		24,693.48
2. Projects under implementation accounts sanctioned during the quarter		85		1,031.08
3. Projects under implementation accounts where DCCO has been achieved during the quarter		75		4,442.26
4. Projects under implementation accounts at the end of the quarter*		440		20,785.14
5. Out of ‘4’ – accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be has been invoked		35		1,597.95
5.1. Out of ‘5’ – accounts in respect of which Resolution plan has been implemented		29		1,360.20
5.2. Out of ‘5’ – accounts in respect of which Resolution plan is under implementation		6		237.75
5.3. Out of ‘5’ – accounts in respect of which Resolution plan has failed		—		—
6. Out of ‘5’, accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be has been invoked due to change in scope and size of the project		2		87.61
7. Out of ‘5’, account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded		—		—
7.1. Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously		—		—
7.2. Out of ‘7’, accounts where SBCF was not pre-sanctioned or renewed continuously		—		—
8. Out of ‘4’ – accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be has been invoked		—		—
8.1. Out of ‘8’ – accounts in respect of which Resolution plan has been implemented		—		—
8.2. Out of ‘8’ – accounts in respect of which Resolution plan is under implementation		—		—
8.3. Out of ‘8’ – accounts in respect of which Resolution plan has failed		—		—


		Sashidhar Jagdishan
Place: Mumbai		Managing Director
Date: July 18, 2026		DIN-08614396