HDBFS HDB Financial Services Q2 FY26 results (Jul–Sep 2025) and concall
HDB Financial Services delivered a resilient Q2 FY26, marked by strong customer acquisition and healthy Net Interest Income growth, coupled with NIM expansion and improved operational efficiency. However, asset quality in the commercial vehicle segment remained a concern, leading to an increase in Gross Stage 3 and elevated credit costs. Management expressed optimism for H2 FY26, anticipating a pickup in demand across retail segments driven by the festive season and recent GST rationalization, and expects credit costs to normalize in the medium term.
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What they filed
Q2 FY26: revenue up 13.4%, net profit down 1.7% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|
| Revenue | 4,007 | 4,144 | 4,266 | 4,465 | 4,545 +13% |
| Net profit | 591 | 472 | 531 | 568 | 581 −2% |
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.
