HDFC Bank profitability ratios

Per cent unless marked ×
Tap a line for its trendLast 12Mto Sep 2026FY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
Returns
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
13.8%13.8%14.6%17.2%17.1%
1.6%1.6%1.7%2.0%2.0%
Margins & efficiency
3.5%3.5%3.6%4.0%4.0%
58.5%58.5%61.5%60.0%40.6%
0.9%0.9%0.5%1.2%0.9%
3.9%3.9%4.2%4.6%2.2%
29.6%29.6%28.6%30.5%16.6%
98.4%98.4%100.5%108.0%88.3%
34.1%34.1%34.7%38.1%44.4%
As filed — the bank's own definitions (average balances)
—14.3%14.6%16.1%17.4%
—1.9%1.9%2.0%2.1%
—3.3%3.5%3.5%4.1%
—3.5%3.7%——
Additional
24.6%23.2%24.4%14.8%25.0%
—27.2%20.9%13.1%18.7%
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

HDFCBANK₹685.30

HDFC Bank Ltd.

· Banking & Finance
₹ CrorePeersICICIBANKKOTAKBANKAXISBANKSBINBAJAJFINSVBAJFINANCEHDFCLIFEJIOFINMcap ₹10.55L Cr
ProfitabilityGrowthAsset QualityCapitalYield Analysis
Ratios — % unless marked ×
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/09/2026
Returns
Return on Common Equity17.1417.2414.5713.8313.83
Return on Assets1.981.951.681.631.63
Margins & Efficiency
Net Interest Margin (on assets)4.003.953.623.513.51
Cost to Income40.6159.9861.5358.4558.45
Credit Cost (provisions / avg advances)0.901.180.540.920.92
Operating Expenses / Avg Assets2.214.644.193.903.90
Other Income Share of Total Income16.5730.4828.5729.6429.64
Credit-Deposit Ratio88.28107.95100.5298.4298.42
CASA Ratio44.3738.1434.7434.0734.07
As Filed — the bank's own definitions (average balances)
Return on Equity (as filed)17.3916.0914.5614.29—
Return on Assets (as filed, working funds)2.071.981.911.94—
NIM (as filed)4.103.533.483.34—
NIM on Interest-Earning Assets——3.673.50—
Additional
Effective Tax Rate25.0214.7924.3623.1724.61
Dvd Payout Ratio18.7113.1220.9427.24—
No consensus estimates → no Est columns. Click any row to chart it.
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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 164%.