Hdfc Bank Ltd
HDFCBANK
Banks
₹ 967.30
Price
₹ 1,484,740
Market Cap
Large Cap
21.04
P/E Ratio
📊 Score Snapshot
9.3 / 25
Performance
24.51 / 25
Valuation
2.47 / 20
Growth
7.0 / 30
Profitability
43.29 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 65.49 | 9.56 | 3.16 | -26.87 | 19.72 | -30.53 | -66.57 | 8.67 |
| Adj Cash PAT | 102,867 | 15,911 | 3,678 | -29,698 | 21,771 | -33,441 | -72,402 | 9,047 |
| Adj Cash PAT To PAT | 1.40 | 0.24 | 0.08 | -0.78 | 0.68 | -1.22 | -3.22 | 0.49 |
| Adj Cash PE | 13.51 | 81.94 | 259.87 | - | 37.75 | - | - | 55.48 |
| Adj EPS | 46.34 | 42.27 | 41.28 | 34.36 | 28.90 | 24.87 | 20.52 | 17.83 |
| Adj Number Of Shares | 1,530 | 1,520 | 1,116 | 1,109 | 1,103 | 1,097 | 1,089 | 1,038 |
| Adj PE | 19.11 | 18.37 | 19.52 | 21.95 | 25.75 | 16.38 | 28.12 | 26.97 |
| Adj Peg | 1.98 | 7.66 | 0.97 | 1.16 | 1.59 | 0.77 | 1.86 | 1.39 |
| Bvps | 351.66 | 309.17 | 260.15 | 223.65 | 190.86 | 161.33 | 141.53 | 105.92 |
| Cash Revenue | 672,734 | 567,298 | 341,508 | 271,872 | 257,104 | 244,378 | 210,322 | 170,576 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.26 | 1.25 | 1.18 | 1.05 | 0.43 | 0.31 | 0.64 | 0.67 |
| Fcfe | 6,249 | 9,593 | 31,529 | 18,738 | 12,337 | -4,679 | -72,389 | 9,162 |
| Fcfe Margin | 0.93 | 1.69 | 9.23 | 6.89 | 4.80 | -1.91 | -34.42 | 5.37 |
| Fcfe To Adj PAT | 0.08 | 0.15 | 0.68 | 0.49 | 0.39 | -0.17 | -3.22 | 0.49 |
| Market Cap | 1,352,687 | 1,177,278 | 898,046 | 835,145 | 819,673 | 446,296 | 627,913 | 499,190 |
| PB | 2.51 | 2.51 | 3.09 | 3.37 | 3.89 | 2.52 | 4.07 | 4.54 |
| PE | 19.11 | 18.38 | 19.52 | 21.95 | 25.75 | 16.38 | 28.12 | 26.97 |
| Peg | 1.97 | 8.06 | 0.97 | 1.16 | 1.59 | 0.77 | 1.88 | 1.38 |
| PS | 2.01 | 2.08 | 2.63 | 3.07 | 3.19 | 1.83 | 2.99 | 2.93 |
| ROE | 14.60 | 17.27 | 17.17 | 16.67 | 16.47 | 16.50 | 17.01 | 18.37 |
| Share Price | 883.93 | 774.78 | 804.78 | 753.00 | 743.38 | 406.93 | 576.40 | 480.85 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 86,994 | 87,372 | 173,558 | 170,080 | 166,004 | 163,092 | 158,868 | 156,016 | 150,078 | 102,336 | 95,096 | 90,004 | 81,860 | 74,548 |
| Interest | 46,741 | 47,709 | 46,986 | 46,914 | 45,414 | 44,580 | 43,692 | 43,242 | 41,250 | 25,955 | 22,606 | 20,505 | 18,311 | 16,358 |
| Expenses - | 45,161 | 64,497 | 47,709 | 41,307 | 52,074 | 49,690 | 62,938 | 50,530 | 45,349 | 18,470 | 17,770 | 16,682 | 15,915 | 15,021 |
| Financing Profit | -4,908 | -24,833 | -7,916 | -3,181 | -14,487 | -12,723 | -27,196 | -15,764 | -11,560 | 6,744 | 7,172 | 7,815 | 6,704 | 5,895 |
| Financing Margin % | -5.64 | -28.42 | -4.56 | -1.87 | -8.73 | -7.80 | -17.12 | -10.10 | -7.70 | 6.59 | 7.54 | 8.68 | 8.19 | 7.91 |
| Other Income - | 31,567 | 45,683 | 33,489 | 27,154 | 38,455 | 35,450 | 44,958 | 37,007 | 32,528 | 9,853 | 9,610 | 9,121 | 8,252 | 6,929 |
| Profit Before Tax | 26,659 | 20,850 | 25,573 | 23,973 | 23,968 | 22,727 | 17,761 | 21,243 | 20,967 | 16,597 | 16,783 | 16,936 | 14,956 | 12,823 |
| Tax % | 23.61 | 18.03 | 24.59 | 23.50 | 22.28 | 24.37 | -1.42 | 16.59 | 17.43 | 25.27 | 24.72 | 24.81 | 25.36 | 25.00 |
| Net Profit - | 20,364 | 17,090 | 19,285 | 18,340 | 18,627 | 17,188 | 18,013 | 17,718 | 17,312 | 12,403 | 12,634 | 12,735 | 11,163 | 9,617 |
| Minority Share | -753.00 | -833.00 | -450.00 | -684.00 | -802.00 | -713.00 | -390.00 | -460.00 | -501.00 | -33.00 | -40.00 | -37.00 | -37.00 | -38.00 |
| Profit Excl Exceptional | 20,364 | 17,090 | 19,285 | 18,340 | 18,627 | 17,188 | 18,013 | 17,718 | 17,312 | 12,403 | 12,634 | 12,735 | 11,163 | 9,617 |
| Profit For PE | 19,611 | 16,258 | 18,835 | 17,657 | 17,826 | 16,475 | 17,622 | 17,258 | 16,811 | 12,370 | 12,594 | 12,698 | 11,125 | 9,579 |
| Profit For EPS | 19,611 | 16,258 | 18,835 | 17,657 | 17,826 | 16,475 | 17,622 | 17,258 | 16,811 | 12,370 | 12,594 | 12,698 | 11,125 | 9,579 |
| EPS In Rs | 12.76 | 10.60 | 12.31 | 11.54 | 11.68 | 10.83 | 11.60 | 11.37 | 11.09 | 11.06 | 11.29 | 11.39 | 9.99 | 8.62 |
| PAT Margin % | 23.41 | 19.56 | 11.11 | 10.78 | 11.22 | 10.54 | 11.34 | 11.36 | 11.54 | 12.12 | 13.29 | 14.15 | 13.64 | 12.90 |
| PBT Margin | 30.64 | 23.86 | 14.73 | 14.10 | 14.44 | 13.94 | 11.18 | 13.62 | 13.97 | 16.22 | 17.65 | 18.82 | 18.27 | 17.20 |
| Tax | 6,295 | 3,760 | 6,288 | 5,633 | 5,341 | 5,539 | -252.00 | 3,525 | 3,655 | 4,194 | 4,149 | 4,201 | 3,793 | 3,206 |
| Yoy Profit Growth % | 10.00 | -1.00 | 7.00 | 2.00 | 6.00 | 33.00 | 40.00 | 36.00 | 51.00 | 29.00 | 21.00 | 20.00 | 22.00 | 21.00 |
| Adj PAT | 20,364 | 17,090 | 19,285 | 18,340 | 18,627 | 17,188 | 18,013 | 17,718 | 17,312 | 12,403 | 12,634 | 12,735 | 11,163 | 9,617 |
| Adj PAT Margin | 23.41 | 19.56 | 11.11 | 10.78 | 11.22 | 10.54 | 11.34 | 11.36 | 11.54 | 12.12 | 13.29 | 14.15 | 13.64 | 12.90 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 672,734 | 567,298 | 341,508 | 271,872 | 257,104 | 244,378 | 210,322 | 170,576 | 146,542 | 126,324 | 101,332 | 85,110 |
| Interest | 183,894 | 154,139 | 77,780 | 58,584 | 59,248 | 62,137 | 53,713 | 42,381 | 38,042 | 34,070 | 27,288 | 23,445 |
| Expenses - | 186,974 | 174,196 | 63,042 | 56,557 | 52,457 | 45,459 | 34,856 | 29,532 | 23,856 | 20,055 | 16,164 | 13,508 |
| Financing Profit | -34,501 | -44,685 | 29,932 | 20,795 | 16,848 | 14,593 | 16,592 | 13,374 | 11,374 | 9,037 | 7,214 | 5,602 |
| Financing Margin % | -5.13 | -7.88 | 8.76 | 7.65 | 6.55 | 5.97 | 7.89 | 7.84 | 7.76 | 7.15 | 7.12 | 6.58 |
| Other Income - | 134,392 | 124,146 | 33,819 | 31,688 | 27,286 | 24,853 | 18,914 | 16,058 | 12,879 | 11,212 | 9,535 | 8,294 |
| Exceptional Items | 156.00 | 200.00 | 93.00 | 71.00 | 47.00 | 26.00 | 33.00 | -1.00 | 26.00 | - | 11.00 | 3.00 |
| Depreciation | 3,805 | 3,092 | 2,345 | 1,681 | 1,385 | 1,277 | 1,221 | 967.00 | 886.00 | 738.00 | 680.00 | 689.00 |
| Profit Before Tax | 96,242 | 76,569 | 61,498 | 50,873 | 42,796 | 38,195 | 34,318 | 28,464 | 23,393 | 19,511 | 16,079 | 13,211 |
| Tax % | 23.69 | 14.53 | 24.96 | 25.01 | 25.56 | 28.54 | 34.59 | 34.79 | 34.52 | 34.29 | 33.43 | 33.63 |
| Net Profit - | 73,440 | 65,446 | 46,149 | 38,151 | 31,857 | 27,296 | 22,446 | 18,561 | 15,317 | 12,821 | 10,703 | 8,768 |
| Profit From Associates | - | - | - | - | - | - | - | 1.00 | 2.00 | 4.00 | 3.00 | 4.00 |
| Minority Share | -2,648 | -1,384 | -152.00 | -98.00 | -24.00 | -42.00 | -113.00 | -51.00 | -37.00 | -20.00 | -14.00 | -25.00 |
| Exceptional Items At | 119.00 | 163.00 | 70.00 | 51.00 | 33.00 | 19.00 | 21.00 | -1.00 | 26.00 | - | 7.00 | 2.00 |
| Profit Excl Exceptional | 73,321 | 65,283 | 46,079 | 38,100 | 31,824 | 27,278 | 22,425 | 18,562 | 15,291 | 12,821 | 10,696 | 8,766 |
| Profit For PE | 70,677 | 63,902 | 45,927 | 38,002 | 31,800 | 27,235 | 22,312 | 18,511 | 15,254 | 12,801 | 10,682 | 8,741 |
| Profit For EPS | 70,792 | 64,062 | 45,997 | 38,053 | 31,833 | 27,254 | 22,332 | 18,510 | 15,280 | 12,801 | 10,689 | 8,743 |
| EPS In Rs | 46.26 | 42.16 | 41.22 | 34.31 | 28.87 | 24.85 | 20.50 | 17.83 | 14.91 | 12.66 | 10.66 | 9.11 |
| Dividend Payout % | 24.00 | 23.00 | 23.00 | 23.00 | 11.00 | 5.00 | 18.00 | 18.00 | 18.00 | 19.00 | 19.00 | 19.00 |
| PAT Margin % | 10.92 | 11.54 | 13.51 | 14.03 | 12.39 | 11.17 | 10.67 | 10.88 | 10.45 | 10.15 | 10.56 | 10.30 |
| PBT Margin | 14.31 | 13.50 | 18.01 | 18.71 | 16.65 | 15.63 | 16.32 | 16.69 | 15.96 | 15.45 | 15.87 | 15.52 |
| Tax | 22,802 | 11,123 | 15,349 | 12,722 | 10,939 | 10,899 | 11,872 | 9,903 | 8,076 | 6,690 | 5,376 | 4,443 |
| Adj PAT | 73,559 | 65,617 | 46,219 | 38,204 | 31,892 | 27,315 | 22,468 | 18,560 | 15,334 | 12,821 | 10,710 | 8,770 |
| Adj PAT Margin | 10.93 | 11.57 | 13.53 | 14.05 | 12.40 | 11.18 | 10.68 | 10.88 | 10.46 | 10.15 | 10.57 | 10.30 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 19,917 | 17,663 | - | 13,391 | 11,245 | 10,066 | 9,376 | 8,601 | 7,539 |
| Average Total Assets | - | 4,211,152 | 3,280,313 | - | 2,326,683 | 1,961,220 | 1,690,168 | 1,436,818 | 1,197,996 | 997,765 |
| Average Total Equity | - | 503,964 | 380,038 | - | 269,172 | 229,245 | 193,689 | 165,555 | 132,065 | 101,020 |
| Borrowing | 599,507 | 634,606 | 730,615 | - | 256,549 | 226,966 | 177,697 | 186,834 | 157,733 | 156,442 |
| Cash Equivalents | 133,211 | 132,227 | 165,659 | - | 103,918 | 118,791 | 86,648 | 62,997 | 39,372 | 97,138 |
| Deposits | 2,798,170 | 2,710,898 | 2,376,887 | - | 1,882,663 | 1,558,003 | 1,333,721 | 1,146,207 | 922,503 | 788,375 |
| Fixed Assets | 15,538 | 15,258 | 12,604 | - | 8,431 | 6,432 | 5,248 | 4,776 | 4,369 | 4,008 |
| Gross Block | - | 35,175 | 30,266 | - | 21,822 | 17,677 | 15,315 | 14,196 | 13,014 | 11,592 |
| Investments | 1,250,391 | 1,186,473 | 1,005,682 | - | 511,582 | 449,264 | 438,823 | 389,305 | 289,446 | 238,461 |
| Loans N Advances | 2,853,903 | 16,646 | 17,439 | - | 5,201 | 4,289 | 3,527 | 2,656 | 1,955 | 1,830 |
| Net Debt | -1,383,602 | -1,318,700 | 1,936,162 | - | 1,523,712 | 1,216,915 | 985,947 | 880,739 | 751,417 | 609,218 |
| Non Controlling Interest | 21,017 | 16,359 | 13,383 | - | 860.00 | 720.00 | 633.00 | 577.00 | 502.00 | 356.00 |
| Other Asset Items | 261,700 | 3,041,505 | 2,828,811 | - | 1,901,300 | 1,544,158 | 1,265,260 | 1,121,096 | 957,664 | 761,749 |
| Other Borrowings | - | - | 3,107,503 | - | 2,139,212 | 1,784,970 | 1,511,418 | 1,333,041 | 1,080,235 | 944,817 |
| Other Liability Items | 556,904 | 494,804 | 438,980 | - | 89,132 | 76,824 | 65,222 | 63,270 | 51,355 | 40,192 |
| Reserves | 537,608 | 521,024 | 455,636 | - | 288,880 | 246,772 | 209,259 | 175,810 | 153,128 | 109,080 |
| Share Capital | 1,536 | 765.00 | 760.00 | 758.00 | 558.00 | 555.00 | 551.00 | 548.00 | 545.00 | 519.00 |
| Total Assets | 4,514,741 | 4,392,110 | 4,030,194 | - | 2,530,432 | 2,122,934 | 1,799,507 | 1,580,830 | 1,292,806 | 1,103,186 |
| Total Borrowings | - | - | 3,107,503 | - | 2,139,212 | 1,784,970 | 1,511,418 | 1,333,041 | 1,080,235 | 944,817 |
| Total Equity | 560,161 | 538,148 | 469,779 | 758.00 | 290,298 | 248,047 | 210,443 | 176,935 | 154,175 | 109,955 |
| Total Equity And Liabilities | 4,514,741 | 4,392,110 | 4,030,194 | - | 2,530,432 | 2,122,934 | 1,799,507 | 1,580,830 | 1,292,806 | 1,103,186 |
| Total Liabilities | 3,954,580 | 3,853,962 | 3,560,415 | -758.00 | 2,240,134 | 1,874,887 | 1,589,064 | 1,403,895 | 1,138,631 | 993,231 |
| Trade Payables | - | 13,654 | 13,933 | - | 11,791 | 13,094 | 12,424 | 7,584 | 7,040 | 8,222 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -102,478 | -3,983 | 23,941 | 48,124 | -7,321 | 24,394 | 23,131 | 57,378 |
| Cash From Investing Activity | -3,651 | 16,600 | -2,992 | -2,051 | -1,823 | -1,403 | -1,503 | -842.00 |
| Cash From Operating Activity | 127,242 | 19,069 | 20,814 | -11,960 | 42,476 | -16,869 | -62,872 | 17,214 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | - | -14.00 |
| Cash Paid For Investment In Subsidaries And Associates | -67.00 | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -169,918 | -312,488 | -254,569 | -248,946 | -155,681 | -185,500 | -176,608 | -120,305 |
| Cash Paid For Purchase Of Fixed Assets | -4,076 | -4,287 | -3,467 | -2,236 | -1,696 | -1,636 | -1,621 | -848.00 |
| Cash Paid For Redemption And Cancellation Of Shares | 192.00 | - | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | -500.00 | -230.00 | -12,077 | -3,650 | -1,105 | - | -2,875 | - |
| Cash Paid For Repayment Of Borrowings | -97,063 | -7,343 | - | - | -8,389 | - | - | - |
| Cash Receipts From Deposits | - | 2,376,887 | 1,882,663 | 1,558,003 | 1,333,721 | 1,146,207 | 922,503 | 788,375 |
| Cash Received From Borrowings | - | - | 18,007 | 44,308 | - | 28,358 | 3,266 | - |
| Cash Received From Issue Of Debentures | 1,182 | 2,350 | 23,000 | 8,313 | 356.00 | 744.00 | - | - |
| Cash Received From Issue Of Shares | 6,346 | 5,250 | 3,416 | 2,610 | 1,760 | 1,849 | 26,690 | 13,006 |
| Cash Received From Sale Of Fixed Assets | 101.00 | 100.00 | 43.00 | 20.00 | 15.00 | 19.00 | 22.00 | 10.00 |
| Cash Received From Sale Of Investments | 192.00 | 9,501 | - | - | - | - | - | - |
| Change In Other Working Capital Items | -134,785 | -74,183 | -112,632 | -43,238 | -41,954 | -98,960 | -52,390 | -34,449 |
| Change In Working Capital | 29,308 | -49,706 | -42,541 | -67,902 | -10,121 | -60,756 | -94,870 | -9,513 |
| Direct Taxes Paid | -19,709 | -22,843 | -16,367 | -14,838 | -13,021 | -10,877 | -12,498 | -10,010 |
| Dividends Paid | -14,826 | -8,404 | -8,605 | -3,592 | - | -6,631 | -4,096 | -2,831 |
| Net Cash Flow | 21,113 | 31,687 | 41,762 | 34,113 | 33,332 | 6,122 | -41,244 | 73,750 |
| Operating Deposits | 334,011 | 336,965 | 324,660 | 224,282 | 187,514 | 223,704 | 134,128 | 145,241 |
| Other Cash Financing Items Paid | 2,383 | 4,394 | 199.00 | 136.00 | 56.00 | 75.00 | 145.00 | 47,203 |
| Other Cash Investing Items Paid | 200.00 | 11,287 | 432.00 | 165.00 | -142.00 | 214.00 | 95.00 | 11.00 |
| Profit From Operations | 117,642 | 91,618 | 79,722 | 70,781 | 65,619 | 54,764 | 44,497 | 36,737 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Hdfcbank | 2025-09-30 | - | 48.38 | 36.07 | 15.33 | 0.00 |
| Hdfcbank | 2025-06-30 | - | 48.84 | 35.77 | 15.19 | 0.00 |
| Hdfcbank | 2025-03-31 | - | 48.30 | 35.68 | 15.84 | 0.00 |
| Hdfcbank | 2024-12-31 | - | 49.21 | 34.37 | 16.23 | 0.00 |
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