HDFC Bank Limited
HDFC Bank Limited operates in Private Sector Bank, part of the Financial Services sector. It booked ₹95,132 cr of revenue in its latest quarter (Q2 FY27) and kept 21.8% of sales as profit. It is the largest of 9 Private Sector Bank companies we track, by market value.
| Segment | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|---|---|---|
| Retail Banking | 1.10 | 1.15 | 1.42 | 2.34 | 2.83 | 3.02 | 48% → 42% |
| Wholesale Banking | 0.57 | 0.66 | 0.92 | 1.74 | 1.92 | 1.75 | 25% → 24% |
| Insurance Business | — | — | — | 0.87 | 1.08 | 1.08 | 15% |
| Treasury | 0.32 | 0.34 | 0.34 | 0.62 | 0.62 | 0.82 | 14% → 11% |
| Other Banking Operations | 0.30 | 0.32 | 0.38 | 0.25 | — | — | — |
| Others | — | — | — | 0.10 | 0.17 | 0.20 | 3% |
| Other Banking Business | — | — | — | 0.08 | 0.35 | 0.37 | 5% |
| Total | 2.29 | 2.48 | 3.06 | 6.00 | 6.98 | 7.23 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 66% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 58
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in HDFCBANK?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-03.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹95,132 cr |
| Other Income | ₹34,227 cr |
| Total Income | ₹1.29 L cr |
| Interest Expended | ₹50,667 cr |
| Employee Cost | ₹9,774 cr |
| Other Operating Expenses | ₹36,046 cr |
| Total Expenditure | ₹96,487 cr |
| Operating Profit before Provisions | ₹32,872 cr |
| Provisions & Contingencies | ₹4,209 cr |
| Exceptional Items | ₹-837 cr |
| Profit before Tax | ₹27,825 cr |
| Tax Expense | ₹7,125 cr |
| Net Profit | ₹20,700 cr |
| Net margin on total income | 16.0% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 87,183 cr | 90,575 cr | 95,132 cr |
| Total income | 1.17 L cr | 1.33 L cr | 1.29 L cr |
| Expenses | — | — | — |
| Profit before tax | 26,948 cr | 27,193 cr | 27,825 cr |
| Tax | 6,597 cr | 6,810 cr | 7,125 cr |
| Net profit (owners' share) | 20,351 cr | 20,383 cr | 20,700 cr |
| Net margin (owners' share, on revenue) | 23.3% | 22.5% | 21.8% |
| EPS (₹) | 13.22 | 12.50 | 13.43 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| HDFC Bank Limitedthis company | ₹726 | ₹11.19 L cr | 13.5 | 13.7% | 21.8% | — |
| ICICI Bank Limited | ₹1,425 | ₹10.23 L cr | 15.6 | 16.9% | 30.9% | — |
| Kotak Mahindra Bank Limited | ₹465 | ₹4.62 L cr | 20.5 | 11.6% | 28.4% | — |
| Axis Bank Limited | ₹1,233 | ₹3.84 L cr | 12.4 | 13.3% | 20.1% | — |
| IDBI Bank Limited | ₹78 | ₹83,482 cr | 9.4 | 12.3% | 26.1% | — |
| The Federal Bank Limited | ₹334 | ₹82,526 cr | 13.7 | 14.2% | 18.7% | — |
| IndusInd Bank Limited | ₹857 | ₹66,753 cr | 13.4 | 7.3% | 10.5% | — |
| IDFC First Bank Limited | ₹73 | ₹63,119 cr | 15.0 | 8.5% | 8.8% | — |
| RBL Bank Limited | ₹350 | ₹54,338 cr | 27.2 | 4.6% | 11.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹13 / share | 19 Jun 2026 |
| Bonus issue | 1:1 | 26 Aug 2025 |
| Dividend | ₹5 / share | 25 Jul 2025 |
| Dividend | ₹22 / share | 27 Jun 2025 |
| Dividend | ₹19.5 / share | 10 May 2024 |
| Dividend | ₹19 / share | 16 May 2023 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.