HDFC Bank Reports Q3 2025 Financial Results, Net Profit at ₹186 Billion
Filing Summary
HDFC Bank Limited announced its financial results for the quarter and nine months ending December 31, 2025. The bank reported a net profit of ₹186 billion for the quarter, marking an 11.5% increase from the previous year. Total income for the nine months reached ₹2,802 billion, with net revenues at ₹1,449 billion. The bank’s total balance sheet size stood at ₹40,890 billion. The capital adequacy ratio was reported at 19.9% under Basel III guidelines. Key subsidiaries, including HDB Financial Services and HDFC Life Insurance, also showed significant growth in their respective financial metrics.
HDFC Bank Limited has released its financial results for the quarter and nine months ending December 31, 2025. The bank’s net profit for the quarter was reported at ₹186 billion, reflecting an increase of 11.5% compared to the same period in the previous year. The total income for the nine months reached ₹2,802 billion, with net revenues amounting to ₹1,449 billion. The bank’s balance sheet size as of December 31, 2025, was ₹40,890 billion, compared to ₹37,590 billion the previous year.
Financially, the bank’s net interest income for the quarter grew by 6.4% to ₹326.2 billion. The core net interest margin was reported at 3.35% on total assets. Other income, which includes fees, commissions, and trading gains, was ₹132.5 billion. Operating expenses for the quarter were ₹187.7 billion, with a core cost-to-income ratio of 39.2%. Provisions and contingencies stood at ₹28.4 billion, with a total credit cost ratio of 0.55%.
Operationally, the bank’s average deposits for the quarter were ₹27,524 billion, a 12.2% increase from the previous year. CASA deposits grew by 9.9% to ₹8,984 billion. Gross advances were reported at ₹28,446 billion, marking an 11.9% increase. Retail loans grew by 6.9%, while small and mid-market enterprise loans increased by 17.2%.
The timeline for the financial reporting includes the nine months ending December 31, 2025. During this period, the bank’s profit after tax was ₹554.5 billion, up by 11.5% from the previous year. The capital adequacy ratio under Basel III guidelines was 19.9%, with a Tier 1 CAR of 17.8%.
Key parties involved include the bank’s subsidiaries such as HDB Financial Services, which reported a net revenue of ₹29.7 billion and a profit after tax of ₹6.4 billion for the quarter. HDFC Life Insurance and HDFC ERGO General Insurance also reported profits of ₹4.2 billion and ₹2.6 billion respectively.
In the market context, HDFC Bank’s performance reflects its robust growth strategy and strong financial health. The bank’s focus on expanding its distribution network, which includes 9,616 branches and 21,176 ATMs, supports its growth in semi-urban and rural areas. The bank’s asset quality remains stable, with gross non-performing assets at 1.24% of gross advances.
HDFC Bank Limited is a leading financial institution in India, focusing on providing a wide range of banking and financial services. The bank prioritizes expanding its retail and corporate banking segments while maintaining strong asset quality and capital adequacy. Its strategic initiatives include leveraging technology to enhance customer experience and operational efficiency.