HDFC Bank Q4 Results: Rs.17,616 Cr Profit, Rs.22 Dividend Announced

HDFC Bank Q4 Results: HDFC Bank, India’s largest private bank, has shared its financial performance for the fourth quarter of FY25. The bank’s standalone net profit grew 6.7% year-on-year to Rs.17,616 crore, beating the expected Rs.17,072 crore. Compared to the last quarter, profit rose 5.3%. The bank's board has proposed a dividend of Rs.22 per share for FY25. The record date to receive this dividend is June 27, 2025.

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Asset Quality Update

HDFC Bank’s asset quality stayed mostly stable.

• Gross NPA dropped to 1.33% (from 1.42% in Dec 2024), though it was slightly higher than 1.24% a year ago.
• Net NPA stood at 0.43%, better than 0.46% in the previous quarter.

In absolute terms, gross NPAs came down to Rs.35,222 crore from Rs.36,018 crore in December 2024. But it was higher than Rs.31,173 crore in March 2024. Despite some increase in bad loans compared to last year, the bank reduced its provisions to Rs.3,190 crore from Rs.13,510 crore in the previous year.

Strong Growth in Net Interest Income (NII)

The bank’s net interest income (NII) — the core income from lending — increased by 10.3% to Rs.32,070 crore from Rs.29,080 crore last year. Compared to last quarter, NII was Rs.30,650 crore. The Net Interest Margin (NIM) stood at:

• 3.54% on total assets
• 3.73% on interest-earning assets

(Excluding income tax refund, NIM was 3.46% and 3.65% respectively)

Other Income and Revenue Breakdown

The bank earned Rs.12,030 crore as non-interest income, including:

• Rs.8,530 crore from fees & commissions
• Rs.1,440 crore from forex and derivatives
• Rs.390 crore from trading
• Rs.1,670 crore from other income sources

Deposit Growth

Average deposits in Q4 grew 15.8% YoY to Rs.25.28 lakh crore. In the previous year, it was Rs.21.84 lakh crore.

• CASA (Current and Savings Accounts) deposits rose to Rs.8.3 lakh crore, up 5.7% YoY.
• Time deposits stood at Rs.17.70 lakh crore, 20.3% higher than last year.
• CASA ratio stood at 34.8% of total deposits.

Loan and Advances

HDFC Bank’s gross advances reached Rs.26.44 lakh crore, up 5.4% from last year.

• Retail loans grew by 9%
• Commercial & rural loans rose 12.8%
• Corporate loans declined by 3.6%
• Overseas advances made up 1.7% of total loans

Strong Capital Position

The bank’s capital position remains strong: Capital Adequacy Ratio (CAR): 19.6% (regulatory requirement: 11.7%)

• Tier 1 CAR: 17.7%
• CET1 Ratio: 17.2%

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