HDFC Bank Ltd, India’s leading private sector bank, has announced exceptional financial results for the quarter concluding September 30, 2025. The bank proudly reported a significant 10.8% increase in its standalone net profit, soaring to an impressive ₹18,641 crore.
This robust performance was mirrored in the bank’s net revenue, which climbed by a solid 10.3% to reach ₹45,900 crore for the same quarter. A key driver of this growth was the net interest income – the crucial difference between interest earned and interest expended – which expanded by 4.8% to ₹31,551.5 crore.
The bank also disclosed its provisions and contingencies for the quarter, totaling ₹3,500 crore, reflecting prudent financial management.
HDFC Bank continued to demonstrate strong growth in its core business segments. Average deposits witnessed a healthy 15.1% year-on-year (YoY) increase, reaching ₹27,105 crore. Similarly, average advances grew by 9% YoY, amounting to ₹27,946 crore. Gross advances stood at ₹27,692 crore, marking a 9.9% increase over the previous year.
Delving into specific loan categories, retail loans saw a 7.4% growth, while small and mid-market enterprise loans surged by a remarkable 17.0%. Corporate and other wholesale loans also contributed positively with a 6.4% rise. Overseas advances represented a modest 1.8% of the total advances.
Regarding asset quality, the bank’s gross non-performing assets (NPAs) were reported at 1.24% of gross advances as of September 30, 2025. Excluding NPAs in the agricultural segment, this figure stood at 0.99%. This compares favorably to 1.36% (1.19% excluding agricultural NPAs) recorded on September 30, 2024, indicating an improvement in asset health. Net non-performing assets were 0.42% of net advances. While the gross NPA remained largely stable at ₹34,289 crore compared to ₹34,251 crore a year ago, net NPA saw an 11% increase, rising to ₹11,447 crore from ₹10,309 crore.
On a consolidated basis, HDFC Bank’s profit after tax for the quarter grew by a commendable 10% YoY, reaching ₹19,610 crore, reinforcing its strong overall financial standing.