Hdfc Bank Ltd 6-K, filed Oct 19, 2026

Hdfc Bank Ltd (HDB)

6-K 2026-10-19 For: 2026-10-17

Added on October 19, 2026

About this 6-K

Hdfc Bank Ltd filed this 6-K on October 19, 2026.

HDFC Bank's Board approved unaudited standalone and consolidated results for the quarter and half-year ended September 30, 2026 on October 17, 2026. Standalone net profit was 19509.96 crore (quarter) and 38569.68 crore (half-year); consolidated net profit was 20700.03 crore and 39944.74 crore. AI summary

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	HDFC BANK LIMITED
	(Registrant)

Date: October 17, 2026	By:	/s/ Ajay Agarwal
	Name:	Ajay Agarwal
	Title:	Company Secretary Group Head – Secretarial & Group Oversight


		(₹ in crore)
		Quarter ended						Half year ended				Year ended 31.03.2026
		30.09.2026		30.06.2026		30.09.2025		30.09.2026		30.09.2025		Year ended 31.03.2026
Particulars		Unaudited		Unaudited		Unaudited		Unaudited		Unaudited		Audited
1	Interest earned (a)+(b)+(c)+(d)		95131.63		90575.33		86993.84		185706.96		174365.71		348615.15
	a) Interest / discount on advances / bills		70049.53		66406.51		63309.67		136456.04		127457.58		256192.47
	b) Income on investments		22101.42		20753.16		21328.37		42854.58		42145.54		82656.87
	c) Interest on balances with Reserve Bank of India and other inter-bank funds		1560.46		1599.37		738.86		3159.83		1565.30		3457.06
	d) Others		1420.22		1816.29		1616.94		3236.51		3197.29		6308.75
2	Other income (a)+(b)		34227.06		42535.03		31566.79		76762.09		77249.89		146847.66
	a) Premium and other operating income from insurance business		23640.43		18353.92		20510.43		41994.35		36583.80		84160.02
	b) Others (Refer note 8)		10586.63		24181.11		11056.36		34767.74		40666.09		62687.64
3	Total income (1)+(2)		129358.69		133110.36		118560.63		262469.05		251615.60		495462.81
4	Interest expended		50667.43		47625.63		46740.86		98293.06		94449.37		185491.23
5	Operating expenses (i)+(ii)+(iii)		45819.72		54488.73		40879.05		100308.45		90062.05		181173.91
	i) Employees cost		9774.20		9342.49		9317.56		19116.69		18215.02		37604.81
	ii) Claims and benefits paid and other expenses pertaining to insurance business		22518.74		32177.54		18988.69		54696.28		47061.61		92340.22
	iii) Other operating expenses		13526.78		12968.70		12572.80		26495.48		24785.42		51228.88
6	Total expenditure (4)+(5) (excluding provisions and contingencies)		96487.15		102114.36		87619.91		198601.51		184511.42		366665.14
7	Operating profit before provisions and contingencies (3)-(6)		32871.54		30996.00		30940.72		63867.54		67104.18		128797.67
8	Provisions (other than tax) and contingencies (Refer note 7)		4209.00		3802.84		4281.83		8011.84		19595.46		26656.22
9	Exceptional items		—		—		—		—		—		—
10	Profit from ordinary activities before tax and minority interest (7)-(8)-(9)		28662.54		27193.16		26658.89		55855.70		47508.72		102141.45
11	Tax expense		7125.45		6810.47		6295.12		13935.92		10054.52		22921.99
12	Net profit from ordinary activities after tax and before minority interest (10)-(11)		21537.09		20382.69		20363.77		41919.78		37454.20		79219.46
13	Extraordinary items (net of tax expense)		—		—		—		—		—		—
14	Net profit for the period before minority interest (12)-(13)		21537.09		20382.69		20363.77		41919.78		37454.20		79219.46
15	Less: Minority interest		837.06		1137.98		753.10		1975.04		1585.62		3193.49
16	Net profit for the period (14)-(15)		20700.03		19244.71		19610.67		39944.74		35868.58		76025.97
17	Paid up equity share capital (Face value of ₹ 1/- each)		1541.86		1540.13		1536.37		1541.86		1536.37		1539.34
18	Reserves excluding revaluation reserves												579975.02
19	Analytical Ratios and other disclosures :
	(i) Percentage of shares held by Government of India		Nil		Nil		Nil		Nil		Nil		Nil
	(ii) Earnings per share (EPS) (₹) (Face value of ₹ 1/- each):
	(a) Basic EPS before & after extraordinary items (net of tax expense) - not annualized		13.43		12.50		12.78		25.93		23.39		49.50
	(b) Diluted EPS before & after extraordinary items (net of tax expense) - not annualized		13.41		12.47		12.71		25.87		23.27		49.28


		(₹ in crore)
		Quarter ended									Half year ended						Year ended 31.03.2026
		30.09.2026			30.06.2026			30.09.2025			30.09.2026			30.09.2025			Year ended 31.03.2026
Particulars		Unaudited			Unaudited			Unaudited			Unaudited			Unaudited			Audited
1	Segment Revenue
a)	Treasury (Refer note 8)		19150.30			18192.38			20609.22			37342.68			46713.43			82158.35
b)	Retail Banking:		79112.16			75888.80			75584.52			155000.96			150775.70			301853.51
	(i) Digital Banking*		3.89			3.39			2.62			7.28			5.11			10.37
	(ii) Non Digital Banking		79108.27			75885.41			75581.90			154993.68			150770.59			301843.14
c)	Wholesale Banking		52743.87			48670.85			42308.37			101414.72			87098.59			174506.30
d)	Other Banking Operations		9700.20			9044.03			9333.81			18744.23			18027.45			36840.96
e)	Insurance Business**		26820.21			35951.83			22798.91			62772.04			54418.15			108079.83
f)	Others^		5280.86			4974.15			4721.00			10255.01			9135.83			19507.46
g)	Unallocated		—			—			—			—			—			—
	Total		192807.60			192722.04			175355.83			385529.64			366169.15			722946.41
	Less: Inter Segment Revenue		63448.91			59611.68			56795.20			123060.59			114553.55			227483.60

	Income from Operations		129358.69			133110.36			118560.63			262469.05			251615.60			495462.81

2	Segment Results***
a)	Treasury (Refer note 8)		2099.17			2406.59			4212.52			4505.76			14810.25			18963.35
b)	Retail Banking:		10521.59			10131.32			9098.86			20652.91			12480.56			32026.72
	(i) Digital Banking*		—			0.07			(0.44	)		0.07			(0.64	)		(1.59	)
	(ii) Non Digital Banking		10521.59			10131.25			9099.30			20652.84			12481.20			32028.31
c)	Wholesale Banking		10563.24			10364.04			8922.62			20927.28			12621.01			33947.96
d)	Other Banking Operations		3297.50			2795.81			2790.10			6093.31			4806.86			10415.96
e)	Insurance Business**		2005.59			1750.38			1746.19			3755.97			3391.12			7083.51
f)	Others^		747.15			334.48			489.63			1081.63			581.33			2068.38
g)	Unallocated		(571.70	)		(589.46	)		(601.03	)		(1161.16	)		(1182.41	)		(2364.43	)

	Total Profit Before Tax and Minority Interest		28662.54			27193.16			26658.89			55855.70			47508.72			102141.45

3	Segment Assets
a)	Treasury		1106606.06			1086021.85			921265.72			1106606.06			921265.72			1149929.44
b)	Retail Banking:		1672324.39			1618976.54			1528244.81			1672324.39			1528244.81			1580887.11
	(i) Digital Banking*		164.11			146.45			108.45			164.11			108.45			138.04
	(ii) Non Digital Banking		1672160.28			1618830.09			1528136.36			1672160.28			1528136.36			1580749.07
c)	Wholesale Banking		1660468.54			1559292.84			1421440.84			1660468.54			1421440.84			1499816.13
d)	Other Banking Operations		118719.59			115884.08			111367.06			118719.59			111367.06			112867.13
e)	Insurance Business**		452460.39			441063.92			395094.85			452460.39			395094.85			414400.04
f)	Others^		135621.42			132948.46			116638.18			135621.42			116638.18			128754.48
g)	Unallocated		19641.19			17285.97			20689.94			19641.19			20689.94			21386.51

	Total		5165841.58			4971473.66			4514741.40			5165841.58			4514741.40			4908040.84

4	Segment Liabilities***
a)	Treasury		117378.35			78998.60			87053.07			117378.35			87053.07			98273.66
b)	Retail Banking:		2677618.76			2532744.34			2353971.83			2677618.76			2353971.83			2528789.64
	(i) Digital Banking*		176.23			156.83			114.76			176.23			114.76			147.09
	(ii) Non Digital Banking		2677442.53			2532587.51			2353857.07			2677442.53			2353857.07			2528642.55
c)	Wholesale Banking		1164664.22			1159025.98			996474.90			1164664.22			996474.90			1130276.17
d)	Other Banking Operations		4192.47			4100.45			4046.54			4192.47			4046.54			3997.87
e)	Insurance Business**		432657.14			421651.63			379214.74			432657.14			379214.74			398573.63
f)	Others^		107517.85			106068.47			90582.91			107517.85			90582.91			99037.36
g)	Unallocated		29651.70			39498.81			39053.44			29651.70			39053.44			40648.08

	Total		4533680.49			4342088.28			3950397.43			4533680.49			3950397.43			4299596.41

5	Capital, Employees stock options outstanding, Reserves and Minority Interest		632161.09			629385.38			564343.97			632161.09			564343.97			608444.43

6	Total (4)+(5)		5165841.58			4971473.66			4514741.40			5165841.58			4514741.40			4908040.84


	(₹ in crore)
	As at 30.09.2026		As at 30.09.2025		As at 31.03.2026
Particulars	Unaudited		Unaudited		Audited
CAPITAL AND LIABILITIES
Capital		1541.86		1536.37		1539.34
Employees stock options / units outstanding		5107.81		4183.53		4545.11
Reserves and surplus		601927.19		537607.51		579975.02
Minority interest		23584.23		21016.56		22384.96
Deposits		3324146.36		2798169.83		3099638.29
Borrowings		594143.54		599507.24		588484.55
Other liabilities and provisions		224930.68		209125.38		252977.53
Policyholders’ funds		390459.91		343594.98		358496.04

Total		5165841.58		4514741.40		4908040.84

ASSETS
Cash and balances with Reserve Bank of India		175156.11		133210.73		200707.11
Balances with banks and money at call and short notice		88644.04		43847.14		111218.94
Investments		1356850.48		1250390.77		1280216.29
Advances		3316057.54		2853902.56		3050783.23
Fixed assets		16430.53		15537.75		16491.59
Other assets		212702.88		217852.45		248623.68

Total		5165841.58		4514741.40		4908040.84


	(₹ in crore)
Particulars	Half year ended						Year ended 31.03.2026
	30.09.2026			30.09.2025			Year ended 31.03.2026
	Unaudited			Unaudited			Audited
Cash flows from operating activities:
Consolidated profit after tax and minority interest		39944.74			35868.58			76025.97
Add: Provision for income tax		13935.92			10054.52			22921.99
Consolidated profit before income tax and after minority interest		53880.66			45923.10			98947.96

Adjustment for:
Depreciation on fixed assets		2218.68			2061.48			4194.90
(Profit) / loss on revaluation of investments		(3018.64	)		(3440.62	)		7739.96
Amortisation of premium / (discount) on investments		461.62			379.31			986.17
Profit on sale of fixed assets		(89.68	)		(60.52	)		(207.91	)
Profit on sale of investment in subsidiary		—			(6949.27	)		(7000.27	)
Provision / charge for non performing assets		6896.31			6973.56			14445.98
Floating provisions		—			9000.00			9000.00
Provision for standard assets and contingencies		1115.53			3621.90			3210.24
Employee stock options / units expense		1117.47			1128.13			2228.30

		62581.95			58637.07			133545.33

Adjustments for:
Increase in investments		(76762.33	)		(59467.24	)		(102572.73	)
Increase in advances		(272277.74	)		(135993.25	)		(340270.74	)
Increase in deposits		224508.07			87271.60			388740.06
Decrease / (Increase) in other assets		32801.08			(5074.33	)		(29678.54	)
(Decrease) / Increase in other liabilities and provisions		(29182.67	)		7937.04			52338.92
Increase in policyholders’ funds		34385.43			23377.42			34060.45

		(23946.21	)		(23311.69	)		136162.75

Direct taxes paid (net of refunds)		(10549.26	)		(8740.82	)		(22656.37	)

Net cash flow from / (used in) operating activities		(34495.47	)		(32052.51	)		113506.38

Cash flows from investing activities:
Purchase of fixed assets		(1450.45	)		(1385.60	)		(3889.97	)
Proceeds from sale of fixed assets		129.72			263.00			527.56
Proceeds from sale of investment in subsidiary (net of expenses)		—			9755.00			9806.00
Investment in subsidiaries		—			(80.87	)		(80.87	)

Net cash flow from / (used in) investing activities		(1320.73	)		8551.53			6362.72


		Sashidhar Jagdishan
Place: Mumbai		Managing Director
Date: October 17, 2026		DIN-08614396


	(₹ in crore)
	Half year ended						Year ended 31.03.2026
	30.09.2026			30.09.2025			Year ended 31.03.2026
Particulars	Unaudited			Unaudited			Audited
Cash flows from operating activities:
Profit after tax		38569.68			36796.49			74671.29
Add: Provision for income tax		12448.42			8918.91			20497.40
Profit before income tax		51018.10			45715.40			95168.69
Adjustments for:
Depreciation on fixed assets		1929.30			1812.01			3657.58
Profit on revaluation of investments		(1008.75	)		(2087.57	)		(1075.82	)
Amortisation of premium / (discount) on investments		471.36			323.82			917.73
Profit on sale of fixed assets		(88.95	)		(59.18	)		(186.57	)
Profit on sale of investment in subsidiary		—			(9128.40	)		(9179.40	)
Provision / charge for non performing assets		5768.39			5280.22			11416.80
Floating provisions		—			9000.00			9,000.00
Provision for standard assets and contingencies		864.99			3661.93			2972.78
Dividend from subsidiaries		(1951.66	)		(1631.44	)		(2242.21	)
Employee stock options / units expense		982.07			1001.76			1971.07

		57984.85			53888.55			112420.65

Adjustments for:
Increase in investments		(38686.41	)		(36613.85	)		(49116.60	)
Increase in advances		(264168.17	)		(132032.33	)		(328962.40	)
Increase in deposits		222198.46			87073.88			390535.58
Decrease / (Increase) in other assets		33987.57			(4455.11	)		(30222.30	)
(Decrease) / Increase in other liabilities and provisions		(31167.76	)		10062.76			49002.92

		(19851.46	)		(22076.10	)		143657.85

Direct taxes paid (net of refunds)		(9115.91	)		(7565.91	)		(20040.85	)

Net cash flow from / (used in) operating activities		(28967.37	)		(29642.01	)		123617.00

Cash flows from investing activities:
Purchase of fixed assets		(1210.30	)		(943.84	)		(3143.53	)
Proceeds from sale of fixed assets		124.31			257.39			429.76
Investment in subsidiaries		(1000.00	)		(80.87	)		(80.87	)
Proceeds from sale of investment in subsidiary (net of expenses)		—			9755.00			9806.00
Dividend from subsidiaries		1951.66			1631.44			2242.21

Net cash flow from / (used in) investing activities		(134.33	)		10619.12			9253.57

Cash flows from financing activities:
Proceeds from issue of share capital		1341.10			3589.34			5108.50
Repayments of Tier 1 and Tier 2 capital instruments		(10280.39	)		—			—
Proceeds / (Repayments) of other borrowings (net)		9845.40			(38665.60	)		(59472.25	)
Dividend paid		(20021.05	)		(20705.98	)		(20705.98	)

Net cash flow used in financing activities		(19114.94	)		(55782.24	)		(75069.73	)

Effect of fluctuation in foreign currency translation reserve		124.38			376.73			1094.84

Net increase / (decrease) in cash and cash equivalents		(48092.26	)		(74428.40	)		58895.68

Cash and cash equivalents at the beginning of the year		298466.36			239570.68			239570.68
Cash and cash equivalents at the end of the period		250374.10			165142.28			298466.36


	(₹ in crore)
Type of Borrower	Exposure to accounts classified as Standard consequent to implementation of resolution plan - Position as at the end of the previous half-year i.e. March 31, 2026 (A)^		Of (A), aggregate debt that slipped into NPA during the half-year ended September 30, 2026		Of (A) amount written off during the half-year^#		Of (A) amount paid by the borrowers during the half-year		Exposure to accounts classified as Standard consequent to implementation of resolution plan - Position as at the end of this half-year i.e. September 30, 2026^
Personal Loans		1,967.45		18.93		4.78		257.97		1,690.55
Corporate persons*		173.47		0.23		0.01		13.71		159.53
Of which, MSMEs		15.29		0.18		—		2.50		12.61
Others		131.29		1.51		0.41		27.41		102.37

Total		2,272.21		20.67		5.20		299.09		1,952.45


	(₹ 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		2.80		—		—


Particulars	Value
Aggregate amount of loans transferred (₹ in crore)		4,960.74
Weighted average residual maturity (in years)		8.59
Weighted average holding period (in years)		2.41
Retention of beneficial economic interest		10	%
Tangible security coverage		100	%


	(₹ in crore)
Rating	Rating Agency	Recovery rating	Gross Value of Outstanding SRs
RR1	ICRA	100% - 150%		111.15
RR2	India Ratings	75% - 100%		27.26
RR4	India Ratings	25% - 50%		34.78
RR5	India Ratings	Upto 25%		125.47
RR5	CRISIL	Upto 25%		27.34
Unrated				720.00
		Total		1,046.00


Item Description	Number of accounts		Total outstanding (₹ in crore)
1. Projects under implementation accounts at the beginning of the quarter		440		21,509.49
2. Projects under implementation accounts sanctioned during the quarter		139		2,124.48
3. Projects under implementation accounts where DCCO has been achieved during the quarter		103		4,547.82
4. Projects under implementation accounts at the end of the quarter*		469		21,246.56
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		61		3,506.97
5.1. Out of ‘5’ – accounts in respect of which Resolution plan has been implemented		52		1,885.50
5.2. Out of ‘5’ – accounts in respect of which Resolution plan is under implementation		9		1,621.47
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		85.26
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		—		—