HDFC Bank Limited reported its fourth‑quarter results for fiscal year 2026, covering January to March 2026. Net profit rose 9% year‑over‑year to ₹19,221 crore, driven by a 3.2% to 3.8% increase in net interest income to ₹33,080 crore–₹33,281.5 crore.
Deposit growth of 14.4% outpaced loan growth of 12%, reinforcing the bank’s liquidity position. The stronger deposit mobilization supports the management’s target of bringing the credit‑to‑deposit ratio into the 85‑90% range by FY27.
Management reaffirmed full‑year guidance, citing disciplined cost management and a continued focus on branch expansion, which added 546 new outlets in FY26 to reach 9,689 locations. The bank also recommended a final dividend of ₹13 per share, bringing the total dividend for FY26 to ₹15.50 per share.
While the report did not include EPS or revenue figures, the net profit and NII figures indicate a solid earnings performance. Analysts noted that the 9% profit growth, coupled with stable asset quality—gross NPA ratio improved to 1.15%—signals robust risk management.
The market reacted positively, with analysts noting confidence in the bank’s resilience and guidance.
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