India’s largest non-public lender earned an curiosity earnings of Rs 77,470 crore, which was up 6% from Rs 73,033 crore reported within the corresponding quarter of the final monetary 12 months.
HDFC Financial institution’s web curiosity earnings (NII) for the quarter ended June 30, 2025 grew by 5.4% to Rs 31,440 crore from Rs 29,840 crore for the quarter ended June 30, 2024. Core web curiosity margin was reported at 3.35% on whole belongings, reflecting belongings repricing sooner than deposits, as towards 3.46% for the prior quarter ended March 31, 2025.
HDFC Financial institution Bonus Share Introduced
The lender introduced issuance of first-ever bonus shares within the proportion of 1:1 which implies one fairness share for each 1 absolutely paid-up fairness share every held by the members of the financial institution as on the document date of August 27.
HDFC Financial institution Declares Particular Dividend
HDFC Financial institution additionally introduced a particular interim dividend of Rs 5 per fairness share for FY 2025-26. The document date for the Particular Interim Dividend has been set on July 25, 2025. The Particular Interim Divided shall be paid to the eligible members on Monday, August 11, 2025.
ETMarkets.comHDFC Financial institution paid curiosity price Rs 46,032.23 crore within the quarter beneath overview versus Rs 43,196 crore within the 12 months in the past interval which was an uptick of 6.6%.Financial institution’s working bills for the quarter beneath overview was reported at Rs 17,430 crore as towards Rs 16,620 crore throughout the corresponding quarter of the earlier 12 months. The fee-to-income ratio for the quarter, excluding the transaction positive aspects talked about above was at 39.6%.Provisions and contingencies for the quarter stood at Rs 14,440 crore which incorporates the floating provisions of Rs 9,000 crore and extra contingent provisions of Rs 1,700 crore as towards Rs 2,600 crore for the quarter ended June 30, 2024.
Steadiness Sheet
Whole stability sheet measurement as of June 30, 2025 was Rs 39,54,100 crore as towards Rs 35,67,200 crore as of June 30, 2024.
The Financial institution’s common deposits have been reported at Rs 26,57,600 crore for the June 2025 quarter, a progress of 16.4% over Rs 22,83,100 crore for the June 2024 quarter, and 5.1 % over Rs 25,28,000 crore for the March 2025 quarter.
Gross advances have been reported at Rs 26,53,200 crore as of June 30, 2025, a rise of 6.7% over June 30, 2024. Advances beneath administration grew by 8% over June 30, 2024.
Retail loans grew by 8.1%, small and mid-market enterprises loans grew by 17.1% and company and different wholesale loans grew by 1.7%. Abroad advances constituted 1.7% of whole advances.
Asset High quality
Gross non-performing belongings (GNPA) have been at 1.40% of gross advances as on June 30, 2025 (1.14% excluding NPAs within the agricultural phase), as towards 1.33% as on March 31, 2025, and 1.33% as on June 30, 2024. Web non-performing belongings have been at 0.47% of web advances as on June 30, 2025.
Community
As of June 30, 2025, the Financial institution’s distribution community·was at 9,499 branches and 21,251 ATMs throughout 4,153 cities/cities as towards 8,851 branches and 21,163 ATMs throughout 4,081 cities/cities as of June 30, 2024. 51 % of the branches are in semi-urban and rural areas.
