HDFCBANK · Financial Services
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
This quarter's filing carries a balance sheet and a cash flow statement. The cash, receivables and borrowing checks run once the filing read is in.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹78,008 cr | ₹79,434 cr | ₹81,546 cr | ₹83,002 cr | ₹85,040 cr | ₹86,779 cr | ₹87,372 cr | ₹86,994 cr | ₹87,067 cr | ₹87,182 cr | ₹90,575 cr | ₹95,132 cr |
| YoY | — | — | +59% | +11% | +9% | +9% | +7% | +5% | +2% | +0% | +4% | +9% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 17% | −1% | 24% | 22% | 24% | 25% | 18% | 24% | 23% | 24% | 25% | 25% |
| Net profit | ₹17,718 cr | ₹18,013 cr | ₹17,188 cr | ₹18,627 cr | ₹18,340 cr | ₹19,285 cr | ₹17,090 cr | ₹20,364 cr | ₹20,691 cr | ₹21,074 cr | ₹20,383 cr | ₹21,537 cr |
| YoY | — | — | +39% | +8% | +4% | +7% | −1% | +9% | +13% | +9% | +19% | +6% |
| EPS | ₹11.37 | ₹11.60 | ₹10.83 | ₹11.68 | ₹11.54 | ₹12.31 | ₹10.60 | ₹12.76 | ₹12.87 | ₹13.22 | ₹12.50 | ₹13.43 |
| Flags | · | 1 | · | · | · | · | · | · | · | · | · | · |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
HDFC Bank Ltd. reported total income of ₹87,182 cr (+0.5% on the year) and net profit of ₹21,074 cr (+9.3% on the year) for January to March 2026.
None of the 2 checks that could run raised a question.
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Numbers as filed with the exchanges, read by rules. Every flag is a question with its source, not an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security. How each check works.