HDFC Bank has reported a healthy growth across key lending and deposit metrics in its Q4FY25 business update, reflecting continued momentum in its retail and rural banking segments.
The bank’s period-end advances under management stood at ₹27.73 lakh crore as of March 31, 2025, marking a 7.7% year-on-year (YoY) growth and a 3.3% rise sequentially. The average advances for the quarter grew 7.3% YoY to ₹26.96 lakh crore.
Within loan segments:
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Retail loans grew ~9% YoY,
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Commercial and rural banking loans surged ~12.8% YoY,
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However, corporate and wholesale loans dipped by ~3.6% YoY.
HDFC Bank’s period-end deposits rose to ₹27.14 lakh crore, up 14.1% YoY and 5.9% quarter-on-quarter (QoQ). The bank’s average deposits for the quarter reached ₹25.28 lakh crore, reflecting a 15.8% YoY increase.
Time deposits remained the preferred choice among customers, with period-end time deposits growing 20.3% YoY to ₹17.70 lakh crore, while CASA (Current Account and Savings Account) deposits stood at ₹9.45 lakh crore, up 3.9% YoY and 8.2% QoQ.
The CASA ratio for the quarter was 34.1%, compared to 35.2% in the same period last year.
During the quarter, the bank also securitised or assigned loans worth ₹10,700 crore, taking the year-to-date total to ₹57,000 crore as part of its strategic initiatives.
These provisional figures are subject to audit and final approval by the board and statutory auditors. The bank will announce its full financial results for Q4 and FY25 soon.
Disclaimer: This article is based on regulatory disclosures by HDFC Bank to the stock exchanges and is for informational purposes only. Investors are advised to refer to official communications for detailed financial insights.
