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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 19-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 18-Mar-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Apr-2025   11:00:00
End date and time of board meeting 19-Apr-2025   13:10:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 640069000000 2519536000000
Income on investments 197330200000 739120700000
Interest on balances with reserve bank of India and other inter bank funds 7617400000 31725200000
Others 22776800000 73292400000
Total interest earned 867793400000 3363674300000
2 Other income 334894200000 1345485000000
3 Total income 1202687600000 4709159300000
Expenses
4 Interest expenses 469862100000 1838942000000
5 Operating expenses
(i) Employees cost 88096800000 341357500000
(ii) Details of other operating expenses
Description of other operating expenses
1 Claims and benefits paid and other expenses pertaining ton insurance business 225431400000 944373900000
2 Other operating expenses 125509800000 480319300000
Total other operating Expenses 350941200000 1424693200000
Total Operating Expenses 439038000000 1766050700000
6 Total expenditure excluding provisions and contingencies 908900100000 3604992700000
7 Operating profit before provision and contingencies 293787500000 1104166600000
8 Provisions other than tax and contingencies 38053600000 141746100000
9 Exceptional items -4496900000 -26479200000
10 Total profit (loss) from ordinary activities before tax 251237000000 935941300000
11 Provision for Tax 62888200000 228018800000
12 Net profit (loss) from ordinary activities after tax 188348800000 707922500000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 188348800000 707922500000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 4496900000 26479200000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 183851900000 681443300000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7652200000 7652200000
Face value of equity share capital 1 1
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 5172189800000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0 0
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 24.62 92.81
Diluted earnings per share before extraordinary items 24.52 92.39
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 24.62 92.81
Diluted earnings per share after extraordinary items 24.52 92.39
(iv) NPA Ratios
Amount of gross non-performing assets 0 0
Amount of net non-performing assets 0 0
% of gross NPAs 0 0
% of net NPAs 0 0
Return on assets 0 0
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) 1. The Claims and benefits paid including other expenses pertaining to insurance business is Rs. 22543.14 for the quarter ended March 31, 2025 & Rs. 94437.39 for the year ended March 31, 2025. As the format does not have the particular category, it has been mentioned under other operating expenses. 2. The profit (loss) of Minority interest is Rs. 449.69 for the quarter ended March 31, 2025 & Rs. 2647.92 for the year ended March 31, 2025. The above figures have been mentioned under Exceptional items as the Cashflow Indirect sheet is auto populating the Profit before extraordinary items basis the figure populating in the Total profit (loss) from ordinary activities before tax.


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 7652200000
Reserves and surplus 5172189800000
Deposits 27108982300000
Borrowings 6346055700000
Other liabilities and provisions 5289294200000
Total Capital Liabilities 43924174200000
2 ASSETS
Cash and Balances with Reserve Bank of India 1443902500000
Balances with Banks and money at call and short notice 1055576500000
Investments 11864728900000
Advances 27249381600000
Fixed Assets 152579400000
Other Assets 2158005300000
Total Assets 43924174200000
Disclosure of notes on assets and liabilities Textual Information(1)


Text Block
Textual Information(1) The Employees stock options outstanding is Rs. 3805.19, Minority interest is Rs. 16359.04 & Policyholders' funds is Rs. 320601.53 as at March 31, 2025 As the format does not have the particular categories, it has been clubbed under other Other liabilities and provisions.


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 169103600000 622274800000
2 Retail Banking 733913000000 2834347900000
3 Wholesale Banking 496373500000 1919645100000
4 Other Banking Business 95731100000 354490500000
5 Insurance Business 264086000000 1076302700000
6 Others 43721700000 171363400000
7 Unallocated 0 0
Total Segment Revenue 1802928900000 6978424400000
Less: Inter segment revenue 600241300000 2269265100000
Income from operations 1202687600000 4709159300000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 12306900000 46053600000
2 Retail Banking 81487400000 273091100000
3 Wholesale Banking 104064300000 445439600000
4 Other Banking Business 41438500000 143637500000
5 Insurance Business 18711700000 59536100000
6 Others 3585700000 18103800000
7 Unallocated -5860600000 -23441200000
Total Profit before tax 255733900000 962420500000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 255733900000 962420500000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 9918741200000 9918741200000
2 Retail Banking 15338902700000 15338902700000
3 Wholesale Banking 12479379700000 12479379700000
4 Other Banking Business 1123588100000 1123588100000
5 Insurance Business 3722567400000 3722567400000
6 Others 1099617400000 1099617400000
7 Unallocated 241377700000 241377700000
Total Segment Assets 43924174200000 43924174200000
Un-allocable Assets 0 0
Net Segment Assets 43924174200000 43924174200000
4 Segment Liabilities
Segment Liabilities
1 Treasury 833401800000 833401800000
2 Retail Banking 23125158500000 23125158500000
3 Wholesale Banking 9561363400000 9561363400000
4 Other Banking Business 85131800000 85131800000
5 Insurance Business 3585685700000 3585685700000
6 Others 869261000000 869261000000
7 Unallocated 482687700000 482687700000
Total Segment Liabilities 38542689900000 38542689900000
Un-allocable Liabilities 5381484300000 5381484300000
Net Segment Liabilities 38542689900000 38542689900000
Disclosure of notes on segments Capital, Employees stock options outstanding, Reserves and Minority Interest has been included under un -allocable liabilities as there is no provision for the same in the utility.




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 38052300000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 20860500000
Other adjustments for which cash effects are investing or financing cash flow 80000000
Other adjustments to reconcile profit (loss) -220300000
Other adjustments for non-cash items 181707800000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 240480300000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -270996100000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 564079700000
Adjustments for provisions 0
Total adjustments for working capital 293083600000
Total adjustments for reconcile profit (loss) 533563900000
Net cash flows from (used in) operations 1469505200000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 197086800000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 1272418400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 1272418400000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 1920000000
Cash flows used in obtaining control of subsidiaries or other businesses 674700000
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 1007200000
Purchase of tangible assets 40758900000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -38506400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -38506400000
5 Cash flows from used in financing activities
Proceeds from issuing shares 63465000000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 35648800000
Proceeds from borrowings 0
Repayments of borrowings 975627300000
Dividends paid 148261900000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -1024775400000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -1024775400000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 209136600000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 1997300000
Net increase (decrease) in cash and cash equivalents 211133900000
Cash and cash equivalents cash flow statement at beginning of period 2288345100000
Cash and cash equivalents cash flow statement at end of period 2499479000000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
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 31-Mar-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date