HDFC Bank Q4 Results: Profit Rises 8% as Loan Growth Stays Strong

Post by : Raina Nasser

HDFC Bank reported a strong performance in its Q4 results, with net profit rising by 8.04% year-on-year to ₹20,350.76 crore. The growth was mainly driven by steady income and strong expansion in its loan book, showing the bank’s stable performance.

The bank’s total income stood at ₹1.16 lakh crore during the January–March quarter. This was slightly lower than the previous quarter but higher compared to the same period last year. Net interest income, which is a key measure of earnings, rose by 3.2% to ₹33,082 crore, reflecting consistent core business growth.

Operating profit also increased to ₹31,111.68 crore, supported by higher revenue. However, the bank faced rising costs, as operating expenses went up to ₹40,587.82 crore. This shows that while the bank is growing, it is also dealing with higher spending.

HDFC Bank’s loan growth remained strong. Its total advances reached ₹29.6 lakh crore by March 2026. Retail loans played a major role in this growth, especially home loans and personal loans. The bank also saw steady growth in auto loans and gold loans.

The small and mid-sized business segment also performed well, with loans increasing steadily. Corporate and wholesale lending also showed growth, helping the bank expand its overall balance sheet. Total advances under management reached ₹30.57 lakh crore, showing strong business momentum.

Meanwhile, the bank was also in the news after the resignation of Atanu Chakraborty, its former part-time chairman and independent director. He stated that his decision was due to differences in values and approach over the past two years. He also clarified that his resignation was not linked to any wrongdoing within the bank.

Shares of HDFC Bank closed almost flat at ₹800 on the National Stock Exchange of India, showing a small gain of 0.57%. Overall, the bank’s Q4 results highlight steady growth, strong lending activity, and stable financial performance despite rising costs.