HDFC Bank Reports 14% Growth in Deposits, 5.4% Rise in Gross Advances in Q4

HDFC Bank, India’s largest private lender, reported a 14.1% year-on-year (Y-o-Y) increase in deposits for Q4, reaching ₹27.15 trillion. On a quarterly basis, deposits grew by 5.9%. The bank’s average deposits also saw a 16% Y-o-Y rise and a 3.1% increase from the previous quarter, totalling ₹25.28 trillion.

Slower Growth in Advances

The bank’s gross advances grew at a slower pace, rising 5.4% Y-o-Y and 4% sequentially to ₹26.44 trillion. HDFC Bank has indicated that its loan book growth in FY25 will be lower than the industry average as it focuses on bringing down its high credit-deposit (CD) ratio to pre-merger levels.

During FY25, HDFC Bank securitised loans worth ₹57,000 crore, including ₹10,700 crore in Q4 alone.

CASA Deposits See Modest Growth

The bank’s current account savings account (CASA) deposits grew by 5.7% Y-o-Y and 1.4% sequentially to ₹8.29 trillion.

Future Growth Plans

HDFC Bank aims to align its loan growth with industry levels in FY26. By FY27, it plans to outpace the industry in loan book expansion.

About HDFC Bank Limited 

HDFC Bank is an Indian financial services and banking company based in Mumbai. It is the largest private sector bank in India by assets and market value.

As of April 4, 9:26 AM IST, HDFC Bank share price is trading at ₹1,820.25, up ₹25.40 (1.42%) for the day. The stock opened at ₹1,813.00, reaching a high of ₹1,823.95 and a low of ₹1,811.10. HDFC Bank has a market capitalisation of ₹13.93 lakh crore, a P/E ratio of 20.00, and a dividend yield of 1.07%. The stock’s 52-week high stands at ₹1,880.00, while its 52-week low is ₹1,426.80.

Conclusion

HDFC Bank continues to strengthen its deposit base while focusing on balancing its credit-deposit ratio. With plans to accelerate loan growth by FY27, the bank aims for long-term stability and expansion.

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.