HDFC Financial institution reported a standalone web revenue of ₹18,641.28 crore throughout the second quarter of FY26, registering a development of 10.8% from ₹16,820.97 crore, within the year-ago interval.
The financial institution’s consolidated revenue after tax rose 10% to ₹19,610.67 crore from ₹17,825.91 crore YoY. For the half yr ended September 30, 2025, the lender’s consolidated web revenue was ₹35,868.58 crore.
HDFC Financial institution’s web curiosity earnings (NII), the distinction between curiosity earned and curiosity paid, in Q2FY26 grew 4.8% to ₹31,551.5 crore from ₹30,114 crore, year-on-year (YoY). Core web curiosity margin was at 3.27% on whole property, reflecting property repricing sooner than deposits, as towards 3.35% for the prior quarter ended June 30, 2025.
Pre-provisions working revenue (PPOP) in Q2FY26 elevated 18.5% to ₹27,923.60 crore from ₹24,705.74 crore, YoY.
Provisions and contingencies for the quarter rose 29.6% to ₹3,500.5 crore from ₹2,700.5 crore, YoY. Nonetheless, it dropped considerably by 75.76% from ₹14,441.63 within the June quarter.
HDFC Financial institution asset high quality
Asset high quality of the non-public sector lender improved sequentially throughout the quarter. Gross NPA declined 7.42% to ₹34,289.48 crore from ₹37,040,80 crore within the earlier quarter, whereas Internet NPA decreased 6.75% to ₹11,447.29 crore from ₹12,275.99 crore, QoQ
Through the quarter, Gross NPA as a proportion of Gross Advances, or Gross ratio, dropped 16 bps to 1.24% from 1.40%, QoQ, and Internet NPA ratio fell 5 bps to 0.42% from 0.47%, QoQ.
HDFC Financial institution deposits & advances development
HDFC Financial institution’s whole deposits have been at ₹28,018 billion as of September 30, 2025, a rise of 12.1% over September 30, 2024. CASA deposits grew by 7.4% with financial savings account deposits at ₹6,527 billion and present account deposits at ₹2,964 billion.
CASA deposits comprised 33.9% of whole deposits as of September 30, 2025, HDFC Financial institution mentioned.
HDFC Financial institution’s whole Capital Adequacy Ratio (CAR) as per Basel III tips was at 20.0% as on September 30, 2025, up from 19.8% as on September 30, 2024, and as towards a regulatory requirement of 11.9%.
Tier 1 CAR was at 17.9% and Frequent Fairness Tier 1 Capital ratio was at 17.5% as of September 30, 2025. Danger-weighted Belongings have been at 27,841 billion.
Gross advances have been at ₹27,692 billion as of September 30, 2025, a rise of 9.9% YoY. Advances underneath administration grew by 8.9% YoY. Retail loans grew by 7.4%, small and mid-market enterprises loans grew by 17.0% and company and different wholesale loans grew by 6.4%. Abroad advances constituted 1.8% of whole advances.
As of September 30, 2025, HDFC Financial institution’s distribution community was at 9,545 branches and 21,417 ATMs throughout 4,156 cities / cities as towards 9,092 branches and 20,993 ATMs throughout 4,088 cities / cities as of September 30, 2024.
On Friday, HDFC Financial institution share value ended 0.83% larger at ₹1,002.50 apiece on the BSE.
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