HDFC Bank Limited has announced its consolidated and standalone financial results for the quarter and year ended March 31, 2025.
Post the announcement, on April 21, 2025, HDFC Bank share price opened at ₹1,924.00, up from its previous close of ₹1,906.70. At 9:36 AM, the share price of HDFC Bank was trading at ₹1,933.30, up by 1.40% on the NSE.
For the fiscal year ended March 31, 2025, HDFC Bank reported consolidated net revenue of ₹1,732.8 billion. The consolidated profit after tax (PAT) stood at ₹707.9 billion. After adjusting for trading and mark-to-market gains, prior-year one-off provisions, and tax credits, the adjusted PAT showed a growth of approximately 10% YoY.
Earnings per share (EPS) for FY25 was ₹92.8, while the book value per share as of March 31, 2025, was ₹681.9. These figures indicate the bank’s robust fundamentals and consistent value creation for shareholders.
In the quarter ended March 31, 2025, HDFC Bank reported standalone net revenue of ₹440.9 billion. Though slightly lower than the previous year’s figure of ₹472.4 billion (which included a ₹73.4 billion gain from stake sale in HDFC Credila), the bank demonstrated strong operational growth.
Net interest income rose by 10.3% YoY to ₹320.7 billion. The net interest margin (NIM) for Q4 was 3.54% on total assets and 3.73% on interest-earning assets. Excluding interest on income tax refunds, the core NIM stood at 3.46% and 3.65%, respectively.
The bank reported operating expenses of ₹175.6 billion during the quarter. The cost-to-income ratio stood at 39.8%, reflecting improved operational efficiency. Profit before tax came in at ₹233.4 billion, while PAT stood at ₹176.2 billion, growing ~10% on an adjusted basis compared to the year-ago period.
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As of March 31, 2025, the bank’s balance sheet size had expanded to ₹39,102 billion, compared to ₹36,176 billion in the previous year. This growth highlights the bank’s expanding footprint and increasing financial strength.
Average deposits for Q4 FY25 grew by 15.8% YoY to ₹25,280 billion. CASA (Current Account Savings Account) deposits grew by 5.7% YoY to ₹8,289 billion, maintaining a stable share in the overall deposit mix and supporting low-cost funding.
For the full year, HDFC Bank earned a total income of ₹3,461.5 billion, compared to ₹3,075.8 billion in FY24. Net revenues grew to ₹1,683.0 billion from ₹1,577.7 billion, while PAT increased by 10.7% YoY to ₹673.5 billion. These numbers reflect the bank’s consistent focus on lending growth, digital banking, and cost control.
The Board of Directors recommended a dividend of ₹22 per equity share for FY25. This dividend is subject to shareholder approval at the upcoming annual general meeting.
HDFC Bank’s FY25 performance underscores its resilience in a dynamic economic environment. With growth in core earnings, expanding deposits, and prudent cost management, the bank remains well-positioned for sustainable growth.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Apr 21, 2025, 9:44 AM IST
Nikitha Devi
Nikitha is a content creator with 6+ years of experience in the financial domain. Specialising in personal finance, investments, and market insights, Nikitha simplifies complex financial topics, making them accessible to readers.
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