HDFC Bank’s deposits outpace loans in FY25; CEO sees faster loan growth by FY27

HDFC Bank has wrapped up its first full year after merging with HDFC Ltd, with the integration phase now behind it. The bank reported that its deposits grew 2.5 times faster than its loans in FY25, helping bring down the credit-to-deposit ratio to 96% from around 110% at the time of the merger.