HDBFS HDB Financial Services Q1 FY26 results (Apr–Jun 2025) and concall
HDB Financial Services reported a strong Q1 FY26 with 14.3% YoY loan growth and 18.3% YoY NII growth, coupled with NIM expansion to 7.7%. However, disbursements saw a sequential and YoY decline, and asset quality deteriorated with Gross Stage 3 increasing to 2.56% and higher credit costs, particularly in the Asset Finance and unsecured business loan segments. Management expects asset quality to stabilize and improve from Q2 onwards, with NIM benefits from rate reductions also kicking in.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 |
|---|---|---|---|---|
| Revenue | 4,007 | 4,144 | 4,266 | 4,465 |
| Net profit | 591 | 472 | 531 | 568 |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
