HDB Financials Results Analysis-Q1FY27

Interest Earned for Q1FY27 is Rs. 4,262 Crs., 11.24% growth YoY, Net Interest Income is Rs. 2,509 Crs., 19.93% growth YoY, Total Income is Rs. 4,938 Crs.,10.58% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,752 Crs., 24.96% growth YoY, PBT is Rs. 1,055 Crs., 44.04% growth YoY, Net profit is Rs. 785 Crs., 38.31% growth YoY. For Q1FY27 Gross NPA 2.34% vs 2.56% in Q1FY26, Net NPA 1.04% vs 1.11% in Q1FY26. Return on Assets is 2.5% improved by 60 BPS YoY, return on Equity is 14.96% improved by 176 BPS YoY, Net Interest Margin is 8.35% improved by 61 BPS YoY. On QoQ basis Interest Earned has achieved 4.43% growth, Net Interest Income has grown by 4.58%, Total Income has grown by 4.06%, Pre-Provisioning Operating Profit has grown by 3.33%, PBT grown by 4.34%, PAT is grown by 4.61%. Customer franchise grew to 23.9 million with an increase of 4.1% during the quarter and 18.6% Y-o-Y. Gross loan book as on Jun 30, 2026 stood at ₹1,21,846 crores, growing 2.83% sequentially and 11.44% Y-o-Y. Secured loans comprised 74% of the Gross loan book.