HDFC Bank reported a standalone net profit of ₹18,641.28 crore during the second quarter of FY26, registering a growth of 10.8% from ₹16,820.97 crore in the year-ago period. The bank’s consolidated profit after tax rose 10% to ₹19,610.67 crore from ₹17,825.91 crore year-on-year. For the half year ended September 30, 2025, the lender’s consolidated net profit was ₹35,868.58 crore. HDFC Bank’s net interest income (NII), the difference between interest earned and interest paid, grew 4.8% to ₹31,551.5 crore in Q2FY26 from ₹30,114 crore, year-on-year (YoY). Core net interest margin was at 3.27% on total assets, reflecting assets repricing faster than deposits, against 3.35% for the previous quarter ended June 30, 2025. Operating profit before provisions (PPOP) in Q2FY26 increased by 18.5% to ₹27,923.4.7 crore 4.60 crore 7.7 crore. JoJ. HDFC Bank’s total capital adequacy ratio (CAR) as per Basel III guidelines stood at 20.0% as on September 30, 2025, up from 19.8% as on September 30, 2024, and against a regulatory requirement of 11.9%. Tier 1 CAR was at 17.9% and Common Equity Tier 1 Capital Ratio was at 17.5% as of September 30, 2025. Risk Weighted Assets were at 27.841 billion. HDFC Bank Asset Quality Asset quality of the private sector lender improved sequentially during the quarter. Gross NPA declined by 7.42% QoQ to ₹34,289.48 crore, while net NPA declined by 6.75% QoQ to ₹11,447.29 crore. During the quarter, gross NPA as a percentage of gross advances, or gross ratio, fell by 16 bps QoQ to 1.24% and the net NPA ratio by 5 bps QoQ to 0.42%. HDFC Bank Deposits and Advances Growth HDFC Bank’s total deposits stood at ₹28.018 billion as on 30 September 2025, an increase of 12.1% over 30 September 2024. CASA deposits grew by 7.4% with savings account deposits at ₹6.527 billion, and deposits at ₹6.527 billion. CASA deposits accounted for 33.9% of total deposits as on September 30, 2025, HDFC Bank said. Gross advances stood at ₹27.692 billion as on September 30, 2025, an increase of 9.9% YoY. Advances under management grew by 8.9% year-on-year. Retail loans grew by 7.4%, small and middle market business loans grew by 17.0% and corporate and other wholesale loans grew by 6.4%. Overseas advances accounted for 1.8% of total advances. As on September 30, 2025, HDFC Bank’s distribution network stood at 9,545 branches and 21,417 ATMs across 4,156 cities / towns as against 9,092 branches and 20,993 ATMs across 4,088 cities / towns as on Friday, September 30, 2024 share price HDFC up 3%. ₹1,002.50 apiece on the BSE. Disclaimer: The views and recommendations made above are those of individual analysts or brokerage firms, and not of Mint. We advise investors to check with certified experts before making any investment decisions.
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