HDB Financial Services Results Analysis-Q1FY26

!HDBFS Interest Earned for Q1FY26 is Rs. 3,832 Crs., 17% growth YoY, Total Income is Rs. 4,465 Crs., 15% growth YoY, PBT Rs. 733 Crs., 6.5% Negative growth YoY, PAT Rs. 568 Crs., 2.4% Negative growth YoY. Net Profit Margin is 12.72% which is down by 226 basis Points. Net Interest Margin is 7.7% which is up by 10 basis Points. For Q1FY26 Gross NPA 2.56% vs 1.93% in Q1FY25, Net NPA 1.11%. On QoQ basis Interest Earned has achieved 5.8% growth, Total Income is grown by 4.7%, PBT is grown by 4%, PAT is grown by 7%. Top line is improving but bottom line is not sustaining due to increase in NPAs.