HDFC BANK LTD's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Mar 31, 2026 · FY), HDFC BANK LTD reported revenue of $2.3T (+6.3% year on year) and net income of $704.8B (+4.6% year on year).
| Line item | Mar 31, 2026 · FY | Mar 31, 2025 · FY | Mar 31, 2024 · FY | Mar 31, 2023 · FY |
|---|---|---|---|---|
| Loans | $2.5T | $2.5T | $2.2T | $1.4T |
| Trading securities | $19.7B | $11.4B | $3.6B | $3.0B |
| Available for sale debt securities | $712.1B | $625.2B | $516.5B | $304.6B |
| Other | $84.2B | $84.8B | $67.3B | $30.2B |
| Total interest and dividend revenue | $3.4T | $3.2T | $2.8T | $1.7T |
| Deposits | $1.4T | $1.3T | $997.4B | $615.1B |
| Short-term borrowings | $93.1B | $94.1B | $100.2B | $58.1B |
| Long-term debt | $375.0B | $471.6B | $432.5B | $101.6B |
| Other | $9.1B | $2.8B | $3.8B | $698.7M |
| Total interest expense | $1.9T | $1.8T | $1.5T | $775.5B |
| Net interest revenue | $1.5T | $1.4T | $1.2T | $914.0B |
| Provision for credit losses | $168.3B | $181.4B | $133.1B | $74.2B |
| Net interest revenue after provision for credit losses | $1.3T | $1.2T | $1.1T | $839.8B |
| Fees and commissions | $356.6B | $324.1B | $281.0B | $239.6B |
| Trading securities gain (net) | $18.5B | $43.4B | $41.6B | $479.9M |
| Realized gain/(loss) on sales of available for sale debt securities, net | $50.3B | $6.8B | $826.7M | ($720.3M) |
| Allowance on available for sale debt securities | $0 | — | $70.9M | ($70.9M) |
| Foreign exchange transactions gain/(loss) | ($4.1B) | $38.4B | $15.5B | $25.5B |
| Derivatives gain net | $14.1B | $37.6B | $18.6B | $15.4B |
| Premium and other operating income from the insurance business | $546.0B | $498.3B | $381.9B | — |
| Other, net | $14.5B | $18.4B | ($486.8M) | $11.2B |
| Total non-interest revenue, net | $995.8B | $967.0B | $738.9B | $291.4B |
| Total revenue, net | $2.3T | $2.2T | $1.9T | $1.1T |
| Salaries and staff benefits | $318.6B | $299.3B | $288.8B | $199.7B |
| Premises and equipment | $91.1B | $77.7B | $65.1B | $45.1B |
| Depreciation and amortization | $41.2B | $37.8B | $31.1B | $23.5B |
| Administrative and other | $310.1B | $292.8B | $281.0B | $200.5B |
| Amortization of intangible assets | $20.7B | $25.2B | $21.2B | — |
| Claims and benefits paid pertaining to insurance business | $569.9B | $532.9B | $382.0B | — |
| Total non-interest expense | $1.4T | $1.3T | $1.1T | $468.8B |
| (Surplus) in P&L transferred to undistributed policyholders earnings account | ($36.8B) | ($63.0B) | ($79.2B) | — |
| Income before income tax expense | $939.0B | $861.5B | $705.5B | $662.4B |
| Income tax expense | $211.9B | $175.0B | $77.8B | $166.1B |
| Net income before noncontrolling interest | $727.1B | $686.5B | $627.6B | $496.3B |
| Less: Net income attributable to shareholders of noncontrolling interest | $22.3B | $13.0B | $5.0B | $817.5M |
| Net income attributable to shareholders of HDFC Bank Limited | $704.8B | $673.5B | $622.7B | $495.4B |
| Earnings per equity share—basic | $45.89 | $90.01 | $88.66 | $89.02 |
| Earnings per equity share—diluted | $45.75 | $89.63 | $88.31 | $88.68 |
| Earnings per ADS—basic | $137.67 | $270.03 | $265.98 | $267.06 |
| Earnings per ADS—diluted | $137.25 | $268.89 | $264.93 | $266.04 |
| Dividends declared per equity share | $15.50 | $22.00 | $19.50 | $19.00 |
| Line item | Sep 30, 2014 · YTD |
|---|---|
| Loans | $184.7B |
| Trading securities | $2.5B |
| Available for sale securities | $44.0B |
| Other | $7.4B |
| Total interest and dividend revenue | $238.6B |
| Deposits | $106.8B |
| Short-term borrowings | $3.7B |
| Long-term debt | $14.7B |
| Other | $206.5M |
| Total interest expense | $125.4B |
| Net interest revenue | $113.2B |
| Provision for credit losses | $7.3B |
| Net interest revenue after provision for credit losses | $105.8B |
| Fees and commissions | $32.3B |
| Trading securities gain/(loss), net | $218.0M |
| Realized gain/(loss) on sales of available for sale securities, net | $244.2M |
| Other than temporary impairment losses on available for sale securities | ($1.8M) |
| Foreign exchange transactions | $747.6M |
| Derivatives gain/(loss), net | ($774.1M) |
| Other, net | $160.7M |
| Total non-interest revenue, net | $32.9B |
| Total revenue, net | $138.7B |
| Salaries and staff benefits | $34.3B |
| Premises and equipment | $10.0B |
| Depreciation and amortization | $3.4B |
| Administrative and other | $23.3B |
| Amortization of intangible assets | $210.5M |
| Total non-interest expense | $71.1B |
| Income before income tax expense | $67.6B |
| Income tax expense | $24.6B |
| Net income before noncontrolling interest | $43.0B |
| Less: Net income attributable to noncontrolling interest | $30.1M |
| Net income attributable to shareholders of HDFC Bank Limited | $43.0B |
| Earnings per equity share-basic | $17.85 |
| Earnings per equity share-diluted | $17.71 |
| Earnings per ADS-basic | $53.55 |
| Earnings per ADS-diluted | $53.13 |
| Dividends declared per equity share | $6.85 |
| Line item | Mar 31, 2026 · FY | Mar 31, 2025 · FY | Mar 31, 2024 · FY | Mar 31, 2023 · FY |
|---|---|---|---|---|
| Cash and due from banks, and restricted cash | $2.5T | $2.0T | $2.1T | $1.4T |
| Investments held for trading, at fair value | $848.4B | $625.4B | $461.2B | $135.8B |
| Investments available for sale debt securities, at fair value (includes restricted investments of Rs. 3,936,248.0 and Rs. 2,971,980.0 (US$ 31,674.1), as of March 31, 2025 and March 31, 2026, respectively) | $10.2T | $9.9T | $8.3T | $4.9T |
| Securities purchased under agreements to resell | $421.6B | $349.2B | $34.2B | $455.3B |
| Loans (net of allowance of Rs. 535,829.3 and Rs. 594,308.9 (US$ 6,333.8), as of March 31, 2025 and March 31, 2026, respectively) | $31.0T | $28.1T | — | — |
| Accrued interest receivable | $328.6B | $322.8B | $249.6B | $186.1B |
| Property and equipment, net | $178.9B | $172.4B | $147.0B | $87.6B |
| Intangible assets, net | $1.4T | $1.4T | $1.4T | — |
| Goodwill | $1.6T | $1.6T | $1.6T | $74.9B |
| Other assets | $3.0T | $2.7T | $2.5T | $1.5T |
| Separate account assets | $1.1T | $1.0T | $955.4B | — |
| Total assets | $52.6T | $48.2T | $44.1T | $25.8T |
| Interest-bearing deposits | $27.5T | $24.0T | $20.7T | $16.1T |
| Non-interest-bearing deposits | $3.5T | $3.1T | $3.1T | $2.7T |
| Total deposits | $31.0T | $27.1T | $23.8T | $18.8T |
| Securities sold under repurchase agreements | $100.0B | $129.2B | $56.5B | $0 |
| Short-term borrowings | $1.3T | $1.3T | $1.3T | $1.1T |
| Accrued interest payable | $268.2B | $258.3B | $238.6B | $112.5B |
| Long-term debt | $5.1T | $5.9T | $6.6T | $2.1T |
| Accrued expenses and other liabilities | $1.9T | $1.5T | $1.3T | $754.4B |
| Separate account liabilities | $1.1T | $1.0T | $955.4B | — |
| Liabilities on policies in force | $2.4T | $2.2T | $1.8T | — |
| Undistributed policy holders earnings account | $280.8B | $239.0B | $192.1B | — |
| Total liabilities | $43.5T | $39.6T | $36.2T | $22.8T |
| Equity shares: par value Rs. 1.0 each; authorized 20,000,000,000 shares and 20,000,000,000 shares; issued 15,304,443,348 shares and 15,393,368,328 shares, as of March 31, 2025 and March 31, 2026, respectively | 15.4B | 7.7B | 7.6B | 5.6B |
| Additional paid-in capital | $4.6T | $4.4T | $4.3T | $883.4B |
| Retained earnings | $2.4T | $2.1T | $1.7T | $1.4T |
| Statutory reserve | $1.2T | $1.1T | $881.1B | $643.7B |
| Accumulated other comprehensive income/ (loss) | ($62.4B) | $97.2B | ($15.5B) | ($68.3B) |
| Treasury stock, at cost | ($16.9B) | ($16.9B) | ($16.9B) | — |
| Total HDFC Bank Limited shareholders' equity | $8.2T | $7.7T | $6.9T | $2.9T |
| Noncontrolling interest in subsidiaries | $993.3B | $946.0B | $938.9B | $5.6B |
| Total shareholders' equity | $9.2T | $8.6T | $7.9T | $2.9T |
| Total liabilities and shareholders' equity | $52.6T | $48.2T | $44.1T | $25.8T |
| Line item | Sep 30, 2014 |
|---|---|
| Cash and cash equivalents | $228.3B |
| Term placements | $193.5B |
| Investments held for trading, at fair value | $37.2B |
| Investments available for sale, at fair value [includes restricted investments of Rs. 670,603.5 and Rs. 730,463.5 (US$ 11,796.9), respectively] | $1.1T |
| Securities purchased under agreements to resell | $38.3B |
| Loans [net of allowance of Rs. 42,613.2 and Rs. 45,823.7 (US$ 740.0), respectively] | $55.0B |
| Accrued interest receivable | $40.4B |
| Property and equipment, net | $31.1B |
| Intangible assets, net | $20.5M |
| Goodwill | $74.9B |
| Other assets | $155.9B |
| Total assets | $5.3T |
| Interest-bearing deposits | $3.3T |
| Non-interest-bearing deposits | $576.1B |
| Total deposits | $63.0B |
| Securities sold under repurchase agreements | $15.0B |
| Short-term borrowings | $104.6B |
| Accrued interest payable | $38.9B |
| Long-term debt | $406.2B |
| Accrued expenses and other liabilities | $4.5B |
| Total liabilities | $4.7T |
| Equity shares: par value-Rs. 2.0 each; authorized 2,750,000,000 shares; issued and outstanding 2,399,050,435 shares and 2,414,322,155 shares, as of March 31, 2014 and September 30, 2014, respectively | 4.8B |
| Additional paid-in capital | $282.5B |
| Retained earnings | $3.2B |
| Statutory reserve | $91.9B |
| Accumulated other comprehensive income (loss) | ($4.2B) |
| Total HDFC Bank Limited shareholders' equity | $9.3B |
| Noncontrolling interest in subsidiaries | $12.0M |
| Total shareholders' equity | $574.5B |
| Total liabilities and shareholders' equity | $5.3T |
| Line item | Mar 31, 2026 · FY | Mar 31, 2025 · FY | Mar 31, 2024 · FY | Mar 31, 2023 · FY |
|---|---|---|---|---|
| Net income before noncontrolling interest | $727.1B | $686.5B | $627.6B | $496.3B |
| Provision for credit losses | $168.3B | $181.4B | $133.1B | $74.2B |
| Depreciation and amortization | $41.2B | $37.8B | $31.1B | $23.5B |
| Amortization of deferred customer acquisition costs and fees | $52.3B | $37.1B | $20.8B | $13.3B |
| Amortization of premium/(discount) on investments | $49.2B | $39.2B | $22.4B | $7.8B |
| Amortization of intangible assets | $20.7B | $25.2B | $21.2B | — |
| Allowance on available for sale debt securities | $0 | — | ($70.9M) | $70.9M |
| Deferred tax expense/ (benefit) | ($24.4B) | ($15.6B) | ($57.1B) | $12.3B |
| Other gains, net | $12.3B | ($2.4B) | ($2.2B) | ($8.7B) |
| Share-based compensation expense | $22.2B | $24.6B | $20.1B | $14.0B |
| Net realized (gain)/ loss on sale of available for sale debt securities | ($50.3B) | ($6.8B) | ($826.7M) | $720.3M |
| (Gain)/ loss on disposal of property and equipment, net | ($1.9B) | ($224.9M) | ($748.0M) | ($80.6M) |
| Unrealized exchange (gain)/ loss | $46.6B | $20.2B | $5.6B | $276.7M |
| Amortization of past service cost | $1.0B | — | — | — |
| Investments held for trading | ($196.9B) | ($163.6B) | ($46.4B) | ($87.9B) |
| Accrued interest receivable | ($5.1B) | ($72.9B) | ($24.1B) | ($51.4B) |
| Other assets | ($434.5B) | ($244.9B) | $77.8B | ($113.7B) |
| Accrued interest payable | $8.6B | $19.4B | $13.0B | $29.9B |
| Accrued expense and other liabilities | $453.6B | $166.7B | ($171.1B) | $66.6B |
| Policyholder's account balances | $228.7B | $463.9B | $352.1B | — |
| Net cash provided by operating activities | $1.1T | $1.2T | $1.0T | $477.2B |
| Term placements, net | $137.2B | $103.0B | ($353.1B) | ($498.6B) |
| Purchases | ($4.4T) | ($4.6T) | ($4.3T) | ($1.6T) |
| Proceeds from sales | $3.2T | $1.9T | $2.3T | $36.5B |
| Maturities, prepayments and calls | $669.7B | $1.3T | $1.2T | $994.0B |
| Net change in repurchase agreements and reverse repurchase agreements | ($101.6B) | ($242.4B) | $519.7B | ($234.1B) |
| Proceeds from loans securitized | $66.4B | $346.7B | — | — |
| Loans purchased | $0 | — | ($117.0B) | ($526.3B) |
| Repayments on loans purchased | $318.8M | $908.9M | $52.8B | $337.8B |
| Increase in loans originated, net of principal collections | ($3.1T) | ($2.3T) | ($3.1T) | ($2.9T) |
| Additions to property and equipment | ($52.8B) | ($66.4B) | ($53.8B) | ($43.6B) |
| Proceeds from sale or disposal of property and equipment | $5.0B | $979.1M | $1.5B | $426.8M |
| Proceeds from disposals of business | $0 | — | $95.0B | — |
| Net cash received on acquisition of HDFC Limited | $0 | — | $54.8B | — |
| Activity in equity securities, net | $32.8B | ($61.5B) | $80.3B | $1.3B |
| Net cash used in investing activities | ($3.6T) | ($3.7T) | ($3.7T) | ($4.4T) |
| Net increase in deposits | $3.8T | $3.3T | $3.4T | $3.2T |
| Net increase/(decrease) in short-term borrowings | $17.6B | ($13.4B) | $222.3B | $535.7B |
| Proceeds from issue of shares by a subsidiary to noncontrolling interests | 31.2B | 6.0B | 3.6B | 822.7M |
| Purchase of shares from Noncontrolling interests | -1.2B | — | — | — |
| Sale of subsidiary stock to non-controlling interests | $98.1B | — | — | — |
| Proceeds from issuance of long-term debt | $860.7B | $661.2B | $1.2T | $1.0T |
| Repayment of long-term debt | ($1.7T) | ($1.5T) | ($1.4T) | ($558.1B) |
| Proceeds from issuance of equity shares for options and warrants exercised | 51.1B | 63.5B | 84.4B | 34.2B |
| Payment of dividends | ($219.1B) | ($158.1B) | ($86.6B) | ($86.4B) |
| Line item | Sep 30, 2014 · YTD |
|---|---|
| Net income before noncontrolling interest | $43.0B |
| Provision for credit losses | $7.3B |
| Depreciation and amortization | $3.4B |
| Amortization of intangible assets | $210.5M |
| Amortization of deferred acquisition costs | $2.8B |
| Amortization of premium (discount) on investments | ($573.8M) |
| Other than temporary impairment losses on available for sale securities | $1.8M |
| Provision for deferred income taxes | ($441.2M) |
| Share-based compensation expense | $5.0B |
| Net realized (gain) loss on sale of available for sale securities | ($244.2M) |
| (Gain) loss on disposal of property and equipment, net | ($52.5M) |
| Exchange (gain) loss | $1.9B |
| Investments held for trading | $24.4B |
| Accrued interest receivable | $92.6M |
| Other assets | $65.1B |
| Accrued interest payable | $11.0B |
| Accrued expense and other liabilities | ($81.3B) |
| Net cash provided by operating activities | $81.6B |
| Net change in term placements | ($17.0B) |
| Purchases | ($570.1B) |
| Proceeds from sales | $88.5B |
| Maturities, prepayments and calls | $289.3B |
| Net change in repurchase options and reverse repurchase options | $34.0B |
| Loans purchased | ($20.1B) |
| Repayments on loans purchased | $18.5B |
| Increase in loans originated, net of principal collections | ($216.6B) |
| Additions to property and equipment | ($3.4B) |
| Proceeds from sale or disposal of property and equipment | $100.0M |
| Net cash used in investing activities | ($396.8B) |
| Net increase in deposits | $224.7B |
| Net increase (decrease) in short-term borrowings | ($48.3B) |
| Purchase of subsidiary shares from noncontrolling interest | -715.7M |
| Proceeds from issue of shares by a subsidiary to noncontrolling interests | 0 |
| Proceeds from issuance of long-term debt | $40.9B |
| Repayment of long-term debt | ($33.8B) |
| Proceeds from issuance of equity shares for options exercised | 6.2B |
| Payment of dividends and dividend tax | ($19.3B) |
| Net cash provided by financing activities | $169.6B |
| Effect of exchange rate changes on cash and cash equivalents | $3.0B |
| Net change in cash and cash equivalents | ($142.5B) |
| Cash and cash equivalents, beginning of year | $370.8B |
| Cash and cash equivalents, end of period | $228.3B |
| Interest paid | $114.3B |
| Income taxes paid | $25.9B |
| Payable for purchase of property and equipment | $539.8M |
HDFC BANK LTD score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.