HDFC BANK LTD

HDFCBANK

NSE · EQISIN: N/AFace Value: ₹1

Charts AI Insights AI Auditor Peers Financials Balance Sheet Cash Flow Shareholding

₹708.25

+14.45 (+2.08%)

Market Cap

₹10,91,701 Cr

Previous Close

₹693.8

Open

₹683.9

VWAP

₹708.25

52W High

₹1,003.9

52W Low

₹681.9

AI Financial Intelligence

Deep Forensic Fundamental Analysis

Pro Feature

Business Model (EL5)

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Forensic Red Flags

Operating cash flows diverge significantly from reported net profits in Q3.High Risk
Sudden spike in receivables relative to sales growth indicates potential aggressive revenue recognition.High Risk
Unexplained increase in short-term borrowings despite strong cash position.Medium Risk

SWOT Analysis

Strengths

Consistent improvement in gross margins over the last 4 quarters.
Debt-to-equity ratio has structurally decreased, lowering interest burden.

Threats

Unexplained increase in short-term borrowings despite strong cash position.
Increasing competitive intensity from low-cost providers.

Management Execution

Execution Score

4.5/10

Latest Guidance

"We expect high double-digit growth driven by volume expansion and pricing power in our core segments."

Missed Promises (1yr)

"Management failed to deliver on the margin expansion promised in the previous two quarters."

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Management Focus

The company has consistently prioritized aggressive expansion into emerging markets while maintaining a lean operational structure. Recent quarters show a pivot towards high-margin digital services, though capital expenditure remains elevated due to infrastructure investments.

Forensic Red Flags

•Operating cash flows diverge significantly from reported net profits in Q3.
•Sudden spike in receivables relative to sales growth indicates potential aggressive revenue recognition.
•Unexplained increase in short-term borrowings despite strong cash position.

Growth Catalysts

•Consistent improvement in gross margins over the last 4 quarters.
•Debt-to-equity ratio has structurally decreased, lowering interest burden.

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Forensic AI Auditor

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Peer Comparison

Comparison of HDFC BANK LTD against its top peers in the industry.

Quarterly Results

Consolidated Figures in Rs. Crores

	Jun '26 PDF	Mar '26 PDF	Dec '25 PDF	Sep '25 PDF	Jun '25	Mar '25	Dec '24 PDF NSE	Sep '24 PDF NSE
Sales +	0	0	0	0	85,346	95,306	65,280	1,64,548
Expenses +	-32,284	-43,155	-32,922	-41,833	62,470	56,236	21,547	1,33,621
Operating Profit	32,284	43,155	32,922	41,833	22,876	39,070	43,733	30,927
OPM %	0%	0%	0%	0%	27%	41%	67%	19%
Other Income +	42,535	29,737	39,860	31,567	45,683	33,489	27,154	38,455
Interest	47,626	45,220	45,821	46,741	47,709	46,986	46,914	45,414
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	27,193	27,672	26,961	26,659	20,850	25,573	23,973	23,968
Tax %	25%	24%	23%	24%	18%	25%	23%	22%
Net Profit +	20,383	21,074	20,691	20,364	17,090	19,285	18,340	18,627
EPS in Rs	12.50	13.22	12.87	12.76	10.60	12.31	11.54	11.68

Balance Sheet

Consolidated Figures in Rs. Crores (Half-Yearly & Annual)

	Mar '26	Sep '25	Jun '25	Mar '25	Dec '24
Equity Capital	1,539	1,536	767	1,530	765
Reserves	2,40,569	2,22,358	0	2,09,910	0
Borrowings	6,64,364	6,06,242	5,99,613	7,32,611	6,53,474
Other Liabilities	36,81,686	34,02,915	32,93,288	32,23,867	30,56,558
Total Liabilities	51,62,789	47,99,519	44,35,534	47,24,167	42,12,223
Fixed Assets	33,981	17,369	15,439	31,474	14,300
CWIP	0	0	0	0	0
Investments	8,42,994	7,38,057	12,65,772	6,98,125	11,51,724
Other Assets	43,85,145	41,42,440	31,74,837	40,89,169	30,62,157
Total Assets	52,62,119	48,97,865	44,56,048	48,18,767	42,28,180

Cash Flows

Consolidated Figures in Rs. Crores (Annual)

	Mar '26	Mar '25	Mar '24
Cash from Operating Activity	1,11,856	1,19,562	1,02,232
Cash from Investing Activity	-3,57,717	-3,71,606	-3,67,256
Cash from Financing Activity	2,97,242	2,41,935	3,34,734
Net Cash Flow	51,381	-10,109	69,710

Ratios

	Mar '26	Sep '25	Jun '25	Mar '25	Dec '24
Asset Turnover Ratio	0.00	0.00	0.02	0.02	0.02
Return on Equity (ROE %)	9%	9%	2229%	9%	2398%
Return on Capital Employed (ROCE %)	2%	2%	2%	2%	2%

Shareholding Pattern

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024
FIIs	41.82%	44.05%	47.67%	48.38%	48.84%	48.30%	49.21%	48.02%
DIIs	41.75%	40.14%	37.00%	36.07%	35.77%	35.68%	34.37%	35.05%
Government	0.18%	0.18%	0.18%	0.18%	0.18%	0.18%	0.18%	0.18%
Public	16.27%	15.64%	15.11%	15.33%	15.19%	15.84%	16.23%	16.75%

Recent Corporate Actions

Dividend - Rs 13.00 Per ShareEx: 19 Jun 2026
Stock Split - 2:1Ex: 26 Aug 2025
Dividend - Rs 2.50 Per ShareEx: 25 Jul 2025
Dividend - Rs 11.00 Per ShareEx: 27 Jun 2025
Dividend - Rs 9.75 Per ShareEx: 10 May 2024

HDFC BANK LTD

AI Financial Intelligence

Business Model (EL5)

Forensic Red Flags

SWOT Analysis

Management Execution

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Management Focus

Forensic Red Flags

Growth Catalysts

Forensic AI Auditor

Peer Comparison

Quarterly Results

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

Recent Corporate Actions

Recent Announcements

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