HDFC Bank vs ICICI Bank: What share should you buy after the first quarter results 2025? | Einsmark news

The share price of two Indian leading banks in the private sector – HDFC Bank and ICICI Bank – is likely to remain in focus in Monday’s trade session, after both delivered a strong financial results for the FY25 in March on Saturday, April 19. HDFC Bank share price closed nearly 1.50 percent higher at £ 1,905,80 on Thursday, where the ICICI bank was more than 3.37 percent to £ 1.407. The Indian stock market remained closed on Good Friday. According to Seema Srivastava senior research analyst at SMC Global Securities, both bank shares have become a good contenders for long -term investment after the results of the fourth quarter. However, their performance reveals nuanced differences that investors should consider, she said. HDFC Bank vs ICICI Bank Q4 Results 2025 While comparing the financial results of both bank stock, Seema Srivastava said – turnover and profitability HDFC Bank reported a net income of £ 11,440.9 billion, slightly lower Yoy due to the absence of a one -time profit of HDFC Credila. However, net interest income increased by 10.3% to £ 11,320.7bn, showing a steady growth. ICICI Bank fared better than profitability, with a net profit of 18% in the fourth quarter and 15.5% for FY2025 to £ 47.227 crore. The strong growth of 11% in net interest income and high net interest margin (NIM) of 4.41% reflects effective assets utilization, compared to the NIM of HDFC Bank of 3.54% (Core NIM 3.46%). Balance Statement and Growth HDFC Bank boasts a larger balance sheet size at £ 39.102bn against ICICI’s total progress of £ 13,41,766 crore. HDFC’s deposit base also leads to average deposits of £ 25,280bn, compared to ICICI’s £ 14,86.635 crore. However, ICICI showed a higher growth in loan portfolios (13.3% versus the unknown growth of HDFC), especially in business banking (33.7%). Asset quality and capital strength HDFC has an excellent asset quality, with gross NPA at 1.33% and net NPA at 0.43%, compared to ICICI’s 1.67% and 0.39% respectively. Both have a strong supply cover. In terms of capital, HDFC with CAR leads with 19.6% and CET1 at 17.2%, compared to ICICI’s 16.55% and CET1 at 15.94%. Dividends and branch expansion HDFC declared a higher dividend of £ 22/share against ICICI’s £ 11/share. ICICI has aggressively expanded with 241 new branches. Conclusion HDFC Bank offers size, stability and excellent asset quality, ideal for conservative long -term investors. ICICI Bank shows stronger profit momentum, better NIMs and faster portfolio growth, suitable for investors seeking higher returns with moderate risk. A diversified position in both can provide balanced exposure. HDFC Bank vs ICICI Bank – Which share to buy? Anshul Jain, head of research at Lakshmishree Investment and Securities, said that HDFC Bank tested its highlight of the entire time last week and experienced supply pressure in the 1880-1910 zone. Nevertheless, the structure remains clumsy with a strong momentum, which indicates a likely move to the 1945-1965 level in the short term. However, profits can be gradual as the supply continues at higher levels. ICICI Bank, on the other hand, looks more promising in terms of percentage return. The stock not only hit highlights, but also broke out of a rectangular consolidation pattern-a technically strong signal. Supported by a rising momentum, see ICICI Bank now at the 1500 level and offer a more favorable setup for short-term risk reward, he added. Jain further explained that both banks are technically strong, ICICI Bank stands out with a cleaner outline and a greater potential. “For traders looking at short- to medium-term opportunities, ICICI can offer better returns relative to the risk in current setup,” he said. Disclaimer: This story is for educational purposes only. The views and recommendations above are those of individual analysts or brokerage companies, not coin. We advise investors to check with certified experts before making investment decisions. First published: 20 Apr 2025, 03:13 PM IST