HDB FINANCIAL Results Analysis-Q3FY26

Interest Earned for Q3FY26 is Rs. 3,989 Crs.,13.42% growth YoY, Net Interest Income is Rs. 2,285 Crs., 22.06% growth YoY, Total Income is Rs. 4,674 Crs.,12.79% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,555 Crs., 23.4% growth YoY, PBT is Rs. 860 Crs., 34.17% growth YoY, Net profit is Rs. 644 Crs., 36.4% growth YoY. (These figures including the impact of New Labour Codes) For Q3FY26 Gross NPA 2.81% vs 2.81% in Q2FY26, Net NPA 1.25% vs 1.27% in Q2FY26. Return on Assets is 2.4% improved by 60 BPS, return on Equity is 14% improved by 150 BPS. On QoQ basis Interest Earned has achieved 2.6% growth, Net Interest Income has grown by 4.2%, Total Income has grown by 2.82%, Pre-Provisioning Operating Profit has grown by 3.53%, PBT grown by 9.97%, PAT is grown by 10.84%.