HDFC Bank Q4 FY26: steady growth, stable asset quality, and disciplined efficiency
HDFC Bank Ltd
HDFCBANK
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Standalone PAT was ₹192.2 billion (₹19,220 crore) in Q4 FY26.
End-of-period deposits were ₹31,053 billion (₹3,105,300 crore), up 14.4% YoY and 8.6% QoQ. Average deposits were ₹28,511 billion (₹2,851,100 crore), up 12.8% YoY.
Standalone NIM was 3.38% (based on total assets) in Q4 FY26.
Standalone gross NPA ratio was 1.15% and net NPA ratio was 0.38% as of March 31, 2026; ex-agri GNPA was 0.91%.
Capital adequacy ratio was 19.7% with CET1 about 17.3%. Average LCR for Q4 Mar’26 was 114% and NSFR was 118%.
A final dividend of ₹13.00 per equity share (face value ₹1) was recommended; with the earlier special interim dividend of ₹2.50, total dividend for FY26 would be ₹15.50 per share, subject to shareholder approval.
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