HDFC Bank (HDB) Reports Q3 2025 Net Profit of ₹198.1 Billion, Up 12.2%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: seekingalpha
- Revenue Growth: HDFC Bank's consolidated net revenue for Q3 2025 reached ₹811.1 billion, indicating strong market demand and business expansion capabilities, further solidifying its leadership position in the Indian banking sector.
- Profit Performance: The consolidated profit after tax for the quarter was ₹198.1 billion, reflecting a 12.2% year-over-year increase, showcasing effective strategies in cost control and credit growth, which enhances investor confidence.
- Interest Income: As of December 31, 2025, the bank's net interest income grew by 6.4% to ₹326.2 billion, demonstrating its adaptability and profitability amid changing interest rate environments.
- Capital Adequacy Ratio: HDFC Bank's Capital Adequacy Ratio stood at 19.9% as per Basel III guidelines, significantly above the regulatory requirement of 11.9%, indicating a robust capital structure and effective risk management capabilities.
Analyst Views on HDB
About HDB
HDFC Bank Limited (the Bank) is a private bank. The Bank, together with its subsidiaries, is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, insurance, asset management, stockbroking and other financial services businesses. Its segment includes treasury, retail banking, wholesale banking, and other banking operations. The treasury segment consists of net interest earnings from the Bank’s investment portfolio, money market borrowing and lending, and gains or losses on investment operations. The retail banking segment consists of digital banking and other retail banking. The wholesale banking segment provides loans, non-fund facilities and transaction services to corporates, emerging corporates, public sector units, government bodies, and others. The other banking operations segment includes parabanking activities such as credit cards, debit cards, third-party product distribution, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
