The earnings call presented a mixed view with strong deposit growth and asset quality as positive indicators, while loan growth slowdown and NIM pressure were notable challenges.

Company Guidance -

Q2 2026

During HDFC Bank's Q1 FY '26 earnings call, the management provided guidance on several key metrics and strategic priorities. The bank reported a 16% year-on-year growth in average deposits, while Asset Under Management (AUM) growth slowed to 7% last year, aligning with strategic objectives to reduce the credit deposit (CD) ratio from 110% at the time of the merger to 95% currently. This AUM growth improved to 8% in the quarter ending June FY '26. Management expressed confidence in achieving system growth rates in loan advances for FY '26 and exceeding them in FY '27. The call highlighted the bank's focus on customer centricity, technology, and human resources as growth enablers. Asset quality remains strong, with the retail segment's gross NPA at 82 basis points, unchanged from the previous year. The bank announced an interim dividend of INR 5 per share and a 1:1 bonus share issue. Additionally, the management discussed the impact of policy rate changes on margins, noting a headwind from the lag in repricing deposits compared to the asset side, which is 70% floating. The bank's contingent provisions increased to 57 basis points of the loans portfolio, aimed at building resiliency. Furthermore, the bank completed the listing of HDB Financial Services, highlighting continued investor confidence.

Strong Deposit Growth

Deposits grew at a healthy pace of 16% year-on-year, indicating strong market share gains.

Strategic Reduction in Credit-Deposit Ratio

Successfully reduced the credit-deposit ratio from 110% to 95%, aligning with strategic objectives.

Healthy Asset Quality

Asset quality remains strong with stable gross NPA levels and benign credit costs.

Interim Dividend and Bonus Share Issue

Board announced an interim dividend of INR 5 per share and a 1:1 bonus share issue.

HDB Financial Services IPO

Successful listing of HDB Financial Services, with the bank diluting some stake.

Hdfc Bank (HDB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HDB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2026 (Q2)	0.79 / -	0.785	―	―	―
Jul 19, 2025	2026 (Q1)	0.80 / 0.82	0.759	8.56% (+0.06)
Apr 19, 2025	2025 (Q4)	0.79 / 0.80	0.779	2.70% (+0.02)
Jan 22, 2025	2025 (Q3)	0.78 / 0.77	0.78	-1.03% (>-0.01)
Oct 19, 2024	2025 (Q2)	0.76 / 0.79	0.758	3.56% (+0.03)
Jul 20, 2024	2025 (Q1)	0.76 / 0.76	0.757	0.26% (<+0.01)
Apr 20, 2024	2024 (Q4)	0.92 / 0.78	0.791	-1.52% (-0.01)
Jan 16, 2024	2024 (Q3)	0.74 / 0.78	0.806	-3.23% (-0.03)
Oct 16, 2023	2024 (Q2)	0.73 / 0.76	0.698	8.60% (+0.06)
Jul 17, 2023	2024 (Q1)	0.80 / 0.76	0.605	25.12% (+0.15)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HDB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 22, 2025	$58.86	$60.68	+3.09%
Jan 16, 2024	$64.94	$60.58	-6.71%
Oct 16, 2023	$57.63	$58.43	+1.39%
Jul 17, 2023	$66.31	$69.24	+4.42%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Hdfc Bank Limited (HDB) report earnings?

Hdfc Bank Limited (HDB) is schdueled to report earning on Oct 20, 2025, TBA (Confirmed).

What is Hdfc Bank Limited (HDB) earnings time?

Hdfc Bank Limited (HDB) earnings time is at Oct 20, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HDB EPS forecast?

HDB EPS forecast for the fiscal quarter 2026 (Q2) is 0.79.

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