HDFC Bank Q2 Results FY26: Profit ₹18,641 Crore, Margins Par Pressure

HDFC Bank ne apne July–September 2025 ke quarterly results announce kiye hain. Is baar profit kaafi strong raha hai, lekin bank ko margins mein thoda pressure face karna pada.

Hdfc Bank Key Highlights

Net Profit: ₹18,641 crore (YoY growth 11%)

Net Interest Income (NII): ₹31,552 crore (5% growth)

Non-Interest Income: ₹14,350 crore (25% jump)

Pre-Provision Operating Profit (PPOP): ₹27,924 crore (18.5% growth)

Provisions: ₹3,500 crore (30% YoY increase)

Moneycontrol ki report ke mutaabiq, HDFC Bank ka Q2 net profit 11% badhkar ₹18,641 crore tak pahunch gaya hai aur asset quality mein bhi sudhaar hua hai.

Hdfc Bank 📊 Business Performance

Loans (Gross Advances): ₹27.7 lakh crore (+10% YoY)

Retail Loans: +7.4%

SME Loans: +17%

Total Deposits: ₹28.0 lakh crore (+12.1% YoY)

Balance Sheet Size: ₹40 lakh crore

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Hdfc Bank ✅ Asset Quality

Gross NPA: 1.24%

Net NPA: 0.42%

Capital Adequacy Ratio (CAR): 20%

Hdfc 📉 Challenges Ahead

NIM (Net Interest Margin) ~3.27% tak gir gaya hai (pichle quarter se thoda kam).

Provisions badhe hain, jo dikhata hai ki bank future risks ko dhyan mein rakh raha hai.

Competition ICICI aur Axis Bank se tough hai.

Hdfc bank 📈 Overall View

HDFC Bank ka Q2 result dikhata hai ki profit aur loan growth strong hai, lekin margins par nazar rakhna zaroori hoga. Non-interest income ne kaafi support kiya hai aur NPAs control mein hain.

👉 Investors ke liye key trigger hoga – margin improvement aur loan growth sustain karna.

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