HDFC Bank reported a net profit of ₹18,155 crore for the quarter ended June 30, 2025, marking a 12.2 percent increase compared to ₹16,174 crore in the same period last year. The bank’s net interest income stood at ₹31,438 crore, registering a year-on-year growth of 5.37 percent from ₹29,837 crore in Q1 FY25.
On the asset quality front, the bank reported a slight sequential deterioration. Gross non-performing assets rose to 1.44 percent of total advances, compared to 1.33 percent in the previous quarter. Net NPA also increased to 0.47 percent from 0.43 percent on a quarter-on-quarter basis.
The bank’s average deposits for the June 2025 quarter stood at ₹26,57,600 crore, reflecting a growth of 16.4 percent over ₹22,83,100 crore in the same quarter last year, and 5.1 percent higher than ₹25,28,000 crore in the March 2025 quarter. Average CASA deposits during the quarter were ₹8,60,400 crore, a rise of 6.1 percent from ₹8,10,600 crore year-on-year, and 3.8 percent over ₹8,28,900 crore sequentially.
Total end-of-period deposits as of June 30, 2025, were ₹27,64,100 crore, up 16.2 percent from the previous year. Within this, CASA deposits increased by 8.5 percent, with savings deposits at ₹6,39,000 crore and current account deposits at ₹2,98,000 crore. Time deposits rose to ₹18,27,100 crore, up 20.6 percent year-on-year. CASA deposits constituted 33.9 percent of total deposits at the end of the quarter.
The bank’s average advances under management, after accounting for inter-bank participation certificates, bills rediscounted, and securitisation or assignment, reached ₹27,42,300 crore for the June 2025 quarter. This represents a growth of 8.3 percent over ₹25,32,700 crore in the year-ago period and 1.7 percent over ₹26,95,500 crore in the previous quarter. Gross advances as of June 30, 2025, stood at ₹26,53,200 crore, showing a 6.7 percent increase over the corresponding period last year. Advances under management rose 8.0 percent year-on-year. Within this, retail loans grew by 8.1 percent, loans to small and mid-market enterprises rose by 17.1 percent, and corporate and other wholesale loans increased by 1.7 percent. Overseas advances accounted for 1.7 percent of the total advances.
