HDFC Bank Ltd.
NSE: HDFCBANK · Private Sector Bank
Snapshot
Unlock HDFC Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
HDFC Bank Limited is a leading private sector bank in India offering a comprehensive range of banking and financial services to retail and wholesale customers. Its operations span treasury, retail banking, and wholesale banking, supported by an extensive network of branches and digital banking channels.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, credit cards, and investment products. It leverages a vast deposit base to fund its diverse lending portfolio across consumer, commercial, and rural segments.
- Banking Outlets:21,683
- Branches:6,342
- ATMs:18,130
Growth Outlook
Growth is driven by the expansion of digital banking infrastructure, deep penetration into rural markets, and the continuous scaling of its retail and commercial loan books. The bank remains focused on leveraging its extensive branch network to capture increasing demand for credit and financial services.
Key Risks
- Asset Quality Risk. Economic downturns or adverse market conditions could lead to higher non-performing assets within the retail and MSME loan portfolios.
- Regulatory and Compliance Risk. As a systemically important financial institution, the bank is subject to stringent regulatory oversight by the Reserve Bank of India, which may impact operational flexibility.
- Cybersecurity and Technology Risk. Increased reliance on digital banking platforms exposes the bank to potential cyber threats, data breaches, and system failures.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
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Key Metrics
NET PROFIT
₹81,035 Cr
TTM · consolidated
EPS
₹51.38
TTM · consolidated
RETURN ON EQUITY
15.5%
TTM · consolidated
P/E
13.9x
Q1 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
HDFC Bank Ltd.HDFCBANK | ₹10.97L Cr | 13.86 | — | — | — | 15.5% | — | -25.9% |
ICICI Bank Ltd.ICICIBANK | ₹10.21L Cr | 18.15 | — | — | — | 16.9% | — | +1.3% |
Kotak Mahindra Bank Ltd.KOTAKBANK | ₹4.22L Cr | 11.06 | — | — | — | 11.0% | — | -78.2% |
Axis Bank Ltd.AXISBANK | ₹3.96L Cr | — | — | — | — | 18.8% | — | +21.2% |
IDBI Bank Ltd.IDBI | ₹97,449 Cr | 10.45 | — | -2.5% | — | 13.5% | — | +2.0% |
The Federal Bank LimitedFEDERALBNK | ₹84,664 Cr | 18.03 | — | — | — | 12.3% | — | +80.6% |
Financials
HDFC Bank Ltd.
NSE: HDFCBANK · Private Sector Bank
Snapshot
Unlock HDFC Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
HDFC Bank Limited is a leading private sector bank in India offering a comprehensive range of banking and financial services to retail and wholesale customers. Its operations span treasury, retail banking, and wholesale banking, supported by an extensive network of branches and digital banking channels.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, credit cards, and investment products. It leverages a vast deposit base to fund its diverse lending portfolio across consumer, commercial, and rural segments.
- Banking Outlets:21,683
- Branches:6,342
- ATMs:18,130
Growth Outlook
Growth is driven by the expansion of digital banking infrastructure, deep penetration into rural markets, and the continuous scaling of its retail and commercial loan books. The bank remains focused on leveraging its extensive branch network to capture increasing demand for credit and financial services.
Key Risks
- Asset Quality Risk. Economic downturns or adverse market conditions could lead to higher non-performing assets within the retail and MSME loan portfolios.
- Regulatory and Compliance Risk. As a systemically important financial institution, the bank is subject to stringent regulatory oversight by the Reserve Bank of India, which may impact operational flexibility.
- Cybersecurity and Technology Risk. Increased reliance on digital banking platforms exposes the bank to potential cyber threats, data breaches, and system failures.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
Start your research today
Unlock AI insights, financials, peers and live data on HDFC Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹81,035 Cr
TTM · consolidated
EPS
₹51.38
TTM · consolidated
RETURN ON EQUITY
15.5%
TTM · consolidated
P/E
13.9x
Q1 FY27 · consolidated
Peers · Private Sector Bank
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