HDFC Bank Q4 FY26 results (Jan–Mar 2026) and concall

Financial Services · Concall AI · Call held 18 Apr 2026

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

HDFC Bank delivered a strong Q4 and FY26, marked by accelerated credit growth of 12% and robust deposit growth of 14.4%. EPS grew 10% and RoA remained stable at 1.9%, driven by improved cost efficiencies and healthy asset quality. The bank highlighted significant investments in technology and distribution, yielding high digital adoption and strong customer acquisition. While geopolitical factors and past rate cycles influenced investment yields and treasury income, management remains focused on sustainable growth and enhancing Return on Assets.

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What they filed

Q4 FY26: revenue up 0.5%, net profit up 9.3% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26
Revenue	85,040	86,779	87,372	86,994	87,067 +2%	87,182 +0%
Expenses	41,307	47,709	64,497	45,161	54,145	44,028
Other income	27,154	33,489	45,683	31,567	39,860	29,737
Interest	46,914	46,986	47,709	46,741	45,821	45,220
Depreciation	0	0	0	0	0	0
Profit before tax	23,973	25,573	20,850	26,659	26,961 +12%	27,672 +8%
Tax rate	24%	25%	18%	24%	23%	24%
Net profit	18,340	19,285	17,090	20,364	20,691 +13%	21,074 +9%
EPS	11.54	12.31	10.60	12.76	12.87	13.22

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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