HDFC Bank has reported an 11.5% increase in profit after tax, reaching ₹18,653.75 crore for the quarter ending December 2025, compared to ₹16,735.50 crore in the same quarter the previous year. The bank’s net interest income, calculated as interest earned minus interest paid out, rose by 6.4% to ₹32,620 crore from ₹30,650 crore in December 2024. The core net interest margin stood at 3.35% of total assets and 3.51% based on interest-earning assets.
For the quarter concluded on December 31, 2025, HDFC Bank’s operating expenses totaled ₹18,770 crore. When excluding the estimated ₹800 crore impact related to employee benefits under the New Labour Code, operating expenses were ₹17,970 crore, up from ₹17,110 crore during the same period last year.
The bank’s gross non-performing assets (NPAs) fell to 1.24% of gross advances as of December 31, 2025, down from 1.42% a year earlier. Net non-performing assets also decreased to 0.42% from 0.46%. Gross advances increased by 11.9% to ₹28,44,600 crore by the end of December 2025. HDFC’s retail loans saw a growth of 6.9%, while small and mid-market enterprise loans grew by 17.2%. Additionally, corporate and wholesale loans increased by 10.3%, with overseas advances constituting 1.7% of total advances. Deposits experienced an 11.6% rise, totaling ₹28,60,100 crore as of December 31, 2025.
The Total Capital Adequacy Ratio, adhering to Basel III guidelines, was at 19.9% as of December 31, 2025, slightly lower than the 20% recorded in the previous year. The Tier 1 Capital Adequacy Ratio stood at 17.8%, with the Common Equity Tier 1 capital ratio at 17.4%.
Original Source: https://indianexpress.com/article/business/banking-and-finance/hdfc-bank-net-profit-up-11-5-rs-18653-75-cr-in-q3-10480214/
Category: Banking and Finance,Business
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Publish Date: 2026-01-18 04:29:00
