INTEGRATED FILING — BANKING



General information about company

Scrip code 500180
NSE Symbol HDFCBANK
MSEI Symbol NOTLISTED
ISIN INE040A01034
Name of bank HDFC Bank Limited
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 23-Jun-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   11:00:00
End date and time of board meeting 19-Jul-2025   14:00:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
The Bank has not defaulted on any loans and debt securities during quarter ended June 30, 2025


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 601926400000 601926400000
Income on investments 150700800000 150700800000
Interest on balances with reserve bank of India and other inter bank funds 6701700000 6701700000
Others 15373100000 15373100000
Total interest earned 774702000000 774702000000
2 Other income 217298300000 217298300000
3 Total income 992000300000 992000300000
Expenses
4 Interest expenses 460322300000 460322300000
5 Operating expenses
(i) Employees cost 61579700000 61579700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenses 112758700000 112758700000
Total other operating Expenses 112758700000 112758700000
Total Operating Expenses 174338400000 174338400000
6 Total expenditure excluding provisions and contingencies 634660700000 634660700000
7 Operating profit before provision and contingencies 357339600000 357339600000
8 Provisions other than tax and contingencies 144416300000 144416300000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 212923300000 212923300000
11 Provision for Tax 31371200000 31371200000
12 Net profit (loss) from ordinary activities after tax 181552100000 181552100000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 181552100000 181552100000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 181552100000 181552100000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7667900000 7667900000
Face value of equity share capital 1 1
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 19.88 19.88
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 23.71 23.71
Diluted earnings per share before extraordinary items 23.58 23.58
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 23.71 23.71
Diluted earnings per share after extraordinary items 23.58 23.58
(iv) NPA Ratios
Amount of gross non-performing assets 370408000000 370408000000
Amount of net non-performing assets 122759900000 122759900000
% of gross NPAs 1.4 1.4
% of net NPAs 0.47 0.47
Return on assets 0.48 0.48
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 282833400000 282833400000
2 Retail Banking 751911800000 751911800000
3 Wholesale Banking 447902200000 447902200000
4 Other Banking Operations 86936400000 86936400000
Total Segment Revenue 1569583800000 1569583800000
Less: Inter segment revenue 577583500000
Income from operations 992000300000 992000300000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 127768600000 127768600000
2 Retail Banking 33817000000 33817000000
3 Wholesale Banking 36983900000 36983900000
4 Other Banking Operations 20167600000 20167600000
Total Profit before tax 218737100000 218737100000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 5813800000
Profit before tax 212923300000 212923300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 10243447300000 10243447300000
2 Retail Banking 15281356000000 15281356000000
3 Wholesale Banking 12691398200000 12691398200000
4 Other Banking Operations 1108548800000 1108548800000
5 Treasury 10243447300000 10243447300000
6 Retail Banking 15281356000000 15281356000000
7 Wholesale Banking 12691398200000 12691398200000
8 Other Banking Operations 1108548800000 1108548800000
Total Segment Assets 39324750300000 39324750300000
Un-allocable Assets 216016300000 216016300000
Net Segment Assets 39540766600000 39540766600000
4 Segment Liabilities
Segment Liabilities
1 Treasury 840256400000 840256400000
2 Retail Banking 23226445700000 23226445700000
3 Wholesale Banking 9660713100000 9660713100000
4 Other Banking Operations 92539900000 92539900000
5 Treasury 840256400000 840256400000
6 Retail Banking 23226445700000 23226445700000
7 Wholesale Banking 9660713100000 9660713100000
8 Other Banking Operations 92539900000 92539900000
Total Segment Liabilities 33819955100000 33819955100000
Un-allocable Liabilities 5720811500000 5720811500000
Net Segment Liabilities 39540766600000 39540766600000
Disclosure of notes on segments Capital, Employees stock options outstanding and Reserves as at June 30, 2025 were Rs. 522640.14 crore. As the format does not have the particular category, it has been clubbed with Un-allocable liabilities.






Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 Price Waterhouse LLP Yes 31-Jan-2027
2 Batliboi & Purohit Yes 30-Apr-2028