HDFC Bank Q2 FY27 results (Jul–Sep 2026) and concall

Financial Services · Concall AI · Call held 17 Oct 2026

Company page: HDFC Bank share price, financials & guidance record

HDFC Bank delivered a strong Q2 FY27, marked by robust deposit and asset growth, particularly in retail and MSME segments. Asset quality remained healthy with low NPAs and credit costs. However, Net Interest Margins saw a decline to 3.32%, and the cost of funds remained flat. The bank is focusing on digital transformation and strengthening its liability franchise, with a new MD & CEO, Mr. Anup Bagchi, taking the helm.

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What they filed

Q2 FY27: revenue up 9.4%, net profit up 5.8% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27	Q2 FY27
Revenue	85,040	86,779	87,372	86,994	87,067 +2%	87,182 +0%	90,575 +4%	95,132 +9%
Expenses	41,307	47,709	64,497	45,161	54,145	44,028	58,292	50,029
Other income	27,154	33,489	45,683	31,567	39,860	29,737	42,535	34,227
Interest	46,914	46,986	47,709	46,741	45,821	45,220	47,626	50,667
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	23,973	25,573	20,850	26,659	26,961 +12%	27,672 +8%	27,193 +30%	28,663 +8%
Tax rate	24%	25%	18%	24%	23%	24%	25%	25%
Net profit	18,340	19,285	17,090	20,364	20,691 +13%	21,074 +9%	20,383 +19%	21,537 +6%
EPS	11.54	12.31	10.60	12.76	12.87	13.22	12.50	13.43

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.

What they filed

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