The PAT stood above the ETNow ballot, whereas the NII was reported consistent with the identical.
The financial institution’s web curiosity margin (NIM) for the quarter stood at 3.54% on complete belongings and three.73% based mostly on interest-earning belongings. Excluding Rs 700 crore of curiosity on revenue tax refund, the core NIM was 3.46% on complete belongings and three.65% on interest-earning belongings.
The financial institution has additionally introduced a dividend of Rs 22 per share for its shareholders.
Moreover, HDFC Financial institution’s web income for Q4FY25 stood at Rs 44,090 crore, in comparison with Rs 47,240 crore in Q4FY24. Different revenue (non-interest income) got here in at Rs 12,030 crore, with price and fee revenue contributing Rs 8,530 crore versus Rs 7,990 crore a yr in the past.
Provisions and contingencies declined sharply to Rs 3,190 crore in Q4FY25 from Rs 13,510 crore in the identical quarter final yr, which had included floating provisions of Rs 10,900 crore.Common deposits for the quarter rose 15.8% YoY to Rs 25.28 lakh crore from Rs 21.83 lakh crore. Common CASA deposits stood at Rs 8.29 lakh crore, registering a progress of 5.7% within the year-ago quarter.Gross advances for HDFC Financial institution, as of March 31, 2025, stood at Rs 26.43 lakh crore, marking a 5.4% YoY enhance. Abroad advances comprised 1.7% of complete advances. In the meantime, the financial institution’s Capital Adequacy Ratio (CAR) stood at 19.6% as of March 31, 2025, up from 18.8% a yr earlier.
On the asset high quality entrance, gross non-performing belongings (GNPAs) of the financial institution stood at 1.33% of gross advances as on March 31, 2025, in comparison with 1.24% a yr earlier and 1.42% within the December 2024 quarter. Web NPAs had been reported at 0.43% of web advances.
The share of HDFC Financial institution had ended 1.5% increased at Rs 1906.55 on the BSE within the earlier buying and selling session.
