HDFC bank, India’s largest private sector bank, announced a strong financial performance for the second quarter of the fiscal year 2025-26. The bank reported a 10 percent Year-on-Year (YoY) increase in its consolidated net profit, which is standing at rupees 19,610.67 crore for the quarter ending on September 30,2025
HDFC's key financial highlights
The bank’s Net Interest Income (NNI is the difference between interest earned and interest expanded) grew by 4.8 percent YoY to rupees 31,550 crore. There was a healthy increase in the overall income for the quarter, rising to rupees 91,040 crore.
The Gross Non-Performing Assets (GNPA) ratio came down to 1.24 percent of gross advances, compared to 1.36 percent in the same quarter last year. (lesser GNPA ratio indicates a strong performance factor). The net NPA ratio also got better, standing at 0.42 percent of net advances.
Irrespective of the strong financials mentioned above, the bank’s provisions and contingencies reported higher at rupees 3,500 crore for Q2, which is an increase from rupees 2,700 crore in the same quarter for the previous year. (Provisions are expected obligations recorded in the financial statement and contingencies are uncertain events that can occur and lead to financial gains or losses depending on the future outcomes).
Reports of Deposits and Advances
HDFC bank reported a strong growth in its business segment. Gross advances as of September 30, 2025 stood at rupees 27.69 lakh crore, which is a 9.9 percent increase from the previous year. The growth in this area, was for significant contributions from the SME (Small and Medium Enterprise) and retail loan portfolios.
The bank’s total deposits reached rupees 28.02 lakh crore and increasing, the rate of increase is at 12.1 percent YoY. This steady growth in deposits has helped the bank to maintain a healthy liquidity position and contribute to its lending activities.
Presently the banking and financial sector is passing through a volatile economic environment, and HDFC bank’s recent current steady performance is likely to be viewed positively among the investors.
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