Every earnings call for HDFCBANK — management tone, guidance, KPIs and promise tracking, quarter by quarter.
HDFCBANK · 8 transcripts · Financial Services · latest Q1 FY27HDFC Bank has 8 earnings calls on record here, a Financial Services company, most recently Q1 FY27. Each quarter is scored on revenue, margins, guidance delivery and the questions management left unanswered — so the gap between what was promised and what was delivered is easy to read.
Adjusted PAT Growth 9.8% (+10% YoY); Balance Sheet Growth 13.5% (+14% YoY); CASA Ratio 34%. Adjusted PAT growth of 9.8% YoY for Q1 FY27.
Read full transcript & analysisGNPA 1.15%. FY26 Credit Growth accelerated to 12% from 5.5% in FY25.
Read full transcript & analysisHDFC Bank is executing a clear and confident strategy to normalize its Loan-to-Deposit Ratio, backed by robust, broad-based credit growth and improving funding costs, positioning it to outperform system growth in FY27.
Read full transcript & analysisCredit growth buildup described as 'extremely encouraging' with a balanced approach.
Read full transcript & analysisNet Interest Margin (NIM) compressed by about 8 basis points in the quarter.
Read full transcript & analysisAverage deposits grew 16% year-on-year (last year).
Read full transcript & analysisCredit Deposit (CD) ratio reduced from ~110% at merger to ~96% as of March 2025.
Read full transcript & analysisAverage deposits grew by 15% year-on-year.
Read full transcript & analysis