HDB FINANCIAL Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 4,081 Crs., 12.64% growth YoY, Net Interest Income is Rs. 2,399 Crs., 21.59% growth YoY, Total Income is Rs. 4,745 Crs.,11.24% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,675 Crs., 26.89% growth YoY, PBT is Rs. 991 Crs., 44.25% growth YoY, Net profit is Rs. 751 Crs., 41.38% growth YoY. For Q4FY26 Gross NPA 2.44% vs 2.81% in Q3FY26, Net NPA 1.09% vs 1.25% in Q3FY26. Return on Assets is 2.48% improved by 48 BPS YoY, return on Equity is 14.8% improved by 120 BPS YoY, Net Interest Margin is 8.23% improved by 68 BPS YoY. On QoQ basis Interest Earned has achieved 2.31% growth, Net Interest Income has grown by 4.98%, Total Income has grown by 1.54%, Pre-Provisioning Operating Profit has grown by 7.72%, PBT grown by 1.7%, PAT is grown by 16.57%. Customer franchise grew to 22.9 million with an increase of 4.3% during the quarter and 19.7% Y-o-Y. Gross loan book as on March 31, 2026 stood at ₹1,18,493 crores, growing 3.4% sequentially and 10.9% Y-o-Y. Secured loans comprised 74% of the Gross loan book.