HDFC Bank Q4 FY26 Results: Net Profit up 9%, ₹13 Dividend Announced

HDFC Bank reported a strong performance for the March 2026 quarter (Q4 FY26). The bank posted steady growth in profit, income and deposits, while asset quality improved.

HDFC Bank Q4 FY26 Earnings: Net Profit and Income Growth

The bank reported a standalone net profit of ₹19,221 crore, rising 9.1% from ₹17,616 crore last year.

Net Interest Income (NII), which is the bank’s core income from lending, increased 3.8% YoY to ₹33,281.5 crore.

Net Interest Margin stood at 3.38% on total assets and 3.53% on interest-earning assets.

Pre-provision operating profit grew 4.37% YoY to ₹27,802.92 crore. Provisions declined to ₹2,609.57 crore, lower both sequentially and year-on-year.

Strong Capital Position

The bank maintained a strong capital buffer.

• Capital Adequacy Ratio: 19.7%
• Tier 1 CAR: 17.7%
• CET1 ratio: 17.3%
  This is well above the regulatory requirement of 11.9%.

HDFC Bank Asset Quality Improves

The bank’s bad loan situation improved in Q4.

• Gross NPA fell to ₹34,061 crore
• Net NPA declined to ₹11,169 crore

Ratios improved too:

• Gross NPA ratio: 0.38% (from 0.42%)
• Net NPA ratio: 1.15% (from 1.24%)

HDFC Bank Deposits and Loan Growth

Deposits and loans continued to grow steadily.

Deposits:

• Total deposits: ₹31,053 billion, up 14.4% YoY
• CASA deposits grew 12.3%
• Time deposits rose 15.5%

Loans (Advances):

• Gross advances: ₹29,600 billion, up 12% YoY
• Retail loans grew 6.5%
• SME loans grew 17.2%
• Corporate loans grew 13%

HDFC Bank Dividend Announcement

The board recommended a final dividend of ₹13 per share for FY26. Total dividend for the year will be ₹15.50 per share. The record date is June 19, 2026.

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Fund Raising Plan

The bank also approved raising up to ₹60,000 crore through bonds over the next 12 months to support growth and infrastructure financing.

HDFC Bank Share Price Movement

HDFC Bank share price (NSE: HDFCBANK) was trading at ₹794.80 on the NSE at 10:06 AM, down ₹5.10 (0.64%) for the day. The stock opened at ₹797.10, touched a high of ₹809.95, and a low of ₹790.00 during the session. Over the past year, the stock has recorded a 52-week high of ₹1,020.50 and a 52-week low of ₹726.65. It offers a dividend yield of 1.38%, with a quarterly dividend amount of ₹2.74 per share.

Conclusion

HDFC Bank delivered stable and consistent growth in Q4 FY26 with improved asset quality, strong deposits and steady loan growth. The dividend and bond-raising plan show confidence in future expansion and balance sheet strength.

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