HDFC Bank (HDB) Q3 FY26 earnings call

HDFC Bank delivered strong credit growth and maintained pristine asset quality in Q3 FY26, aligning with expectations. The bank is intensifying its focus on granular deposit mobilization and customer engagement to manage its loan-to-deposit ratio (LDR) and fund future loan growth. Management expressed confidence in achieving its LDR glide path and outpacing system loan growth in the next fiscal year, despite some tactical slowdown in deposit growth this quarter and competitive pricing pressures in certain loan segments.