Q1 FY26 Performance: ➡️ Net Profit Up: Standalone profit after tax rose 12.2% YoY to ₹18,155 crore for Q1 FY26, beating analyst expectations. ➡️ Healthy Loan & Deposit Growth: Gross advances increased 6.7% YoY to ₹26.53 lakh crore, while deposits surged 16.2% YoY to ₹27.64 lakh crore as of June 2025. ➡️ Net Interest Income (NII) & NIM: NII grew 5.4% YoY to ₹31,438 crore; net interest margin (NIM) came in at 3.35%, slightly lower than the previous quarter, reflecting faster deposit repricing. ➡️ Stable Asset Quality: Gross NPA ratio stood at 1.40% and net NPA at 0.47%; asset quality remains strong despite a slight uptick from March, with provision coverage still robust. ➡️ Special Rewards: HDFC Bank’s board approved a special interim dividend and a bonus issue of shares, rewarding its shareholders amid strong financial performance.

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