HDFC Bank shares rose 2% after the bank reported strong Q4 FY25 results, surpassing analyst expectations. The standalone net profit climbed 6.7% YoY to ₹17,616 crore, beating the projected ₹17,072 crore. On a sequential basis, profit grew 5.3%.
The board recommended a dividend of ₹22 per share (face value ₹1) for FY25, with a record date of June 27, 2025.
Asset Quality & Provisions
Gross NPA ratio improved QoQ to 1.33% from 1.42%, but rose YoY from 1.24%. Net NPA declined to 0.43%. Provisions dropped sharply to ₹3,190 crore, from ₹13,510 crore a year ago.
NII & Margins
Net Interest Income (NII) rose 10.3% YoY to ₹32,070 crore. Net Interest Margin (NIM) stood at 3.54% on total assets (core NIM at 3.46% excluding tax refund).
Other Key Metrics
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Other income: ₹12,030 crore
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Deposits: ₹25.28 lakh crore (up 15.8% YoY)
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CASA deposits: ₹8.3 lakh crore (34.8% of total deposits)
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Gross advances: ₹26.44 lakh crore (up 5.4% YoY)
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Retail loans: up 9%, rural/commercial: up 12.8%, corporate loans: down 3.6%
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CAR: 19.6% (vs. 18.8% YoY), well above regulatory requirements
HDFC Bank shares opened at ₹1,924.00, reaching a high of ₹1,950.70 and a low of ₹1,910.00 during the session. The stock has touched a new 52-week high of ₹1,950.70, reflecting strong market sentiment. Its 52-week low stands at ₹1,426.80.
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