HDFC Bank Q2 Results 2025 Highlights: Net profit rises 10.8% to ₹18,641 crore; NII up 4.8% YoY

HDFC Bank Q2 Results Highlights: Here are the highlights of HDFC Bank Q2 results today:

> Net profit up 10.8% YoY at ₹18,641.28 crore

> NII up 4.8% YoY at ₹31,551.5 crore

> PPOP up 18.5% at ₹27,923.60 crore

> Gross NPA down 7.42% QoQ at ₹34,289.48 crore

> Net NPA down 6.75% QoQ at ₹11,447.29 crore

> Gross NPA ratio down 16 bps QoQ at 1.24%

> Net NPA down 5 bps QoQ at 0.42%

> Provisions at ₹3,500.5 crore, up 29.6 YoY, down 75.76% QoQ

> Total deposits up 12.1% YoY at ₹28.02 lakh crore

> Gross advances up 9.9% YoY at ₹ ₹27.69 lakh crore

> Total number of branches at 21,417

HDFC Bank shares rose 4% in one month and have risen 5% in six months. On a year-to-date (YTD) basis, HDFC Bank's share price has risen over 12% and rallied 30% in two years. In the last 5 years, HDFC shares have jumped over 67%.

ICICI Bank's net interest income (NII) in Q2FY26 grew 7.4% to ₹21,529 crore from ₹20,048 crore, year-on-year (YoY). Net interest margin was at 4.30%.

HDFC Bank's pre-provisions operating profit (PPOP) in Q2FY26 rose 18.5% to ₹27,923.60 crore from ₹24,705.74 crore, YoY.

Gross advances stood at ₹27,692 billion as of 30 September 2025, marking a 9.9% increase year-on-year. Advances under management rose by 8.9% year-on-year. Retail loans expanded by 7.4%, loans to small and mid-market enterprises increased by 17.0%, and corporate and other wholesale loans grew by 6.4%. Overseas advances made up 1.8% of total advances.

HDFC Bank share price ended 0.83% higher at ₹1,002.50 apiece on the BSE after Friday's trading session.

HDFC Bank, India's largest private sector bank, recorded a net profit of ₹18,641.28 crore in Q2FY26, marking a 10.8% increase from ₹16,820.97 crore in the same period last year.

On Saturday, October 18, ICICI Bank reported a 5.2% growth in its standalone net profit for Q2FY26 at ₹12,359 crore from ₹11,746 crore in the same quarter of last fiscal year.

IndusInd Bank declared the July to September quarter earnings for FY26 on Saturday, October 18, 2025. The bank reported a standalone net loss of ₹444.7 crore in Q2FY26, compared to a ₹1,325 crore net profit in the same period of the previous year.

Along with HDFC Bank, Punjab National Bank declared the second quarter earnings for FY26 on Saturday, October 18, 2025. The bank reported a 13.94% rise in net profit to ₹4,903.7 crore for the quarter under review, compared to ₹4,303.4 crore in the same quarter a year ago.

Apart from HDFC Bank, IDFC First Bank announced the July to September quarter earnings for FY26 on Saturday, October 18, 2025. It posted a 75.5% rise in net profit to ₹352.3 crore in the second quarter of the 2026 fiscal, compared to ₹200.7 crore in the same quarter a year ago.

As of 30 September 2025, HDFC Bank’s distribution network included 9,545 branches and 21,417 ATMs across 4,156 cities and towns, compared to 9,092 branches and 20,993 ATMs across 4,088 cities and towns as of 30 September 2024.

HDFC Bank’s total deposits amounted to ₹28,018 billion as of 30 September 2025, reflecting a 12.1% growth compared to 30 September 2024. CASA deposits increased by 7.4%, with savings account deposits reaching ₹6,527 billion and current account deposits at ₹2,964 billion.

HDFC Bank's asset quality improved sequentially during the quarter. Gross NPA dropped 7.42% to ₹34,289.48 crore from ₹37,040,80 crore in the previous quarter, while Net NPA decreased 6.75% to ₹11,447.29 crore from ₹12,275.99 crore, QoQ.

The lender's total Capital Adequacy Ratio (CAR) as per Basel III guidelines stood at 20.0% as on September 30, 2025, up from 19.8% as on September 30, 2024, against a regulatory requirement of 11.9%.

HDFC Bank’s Net Interest Income (NII), the difference between interest earned and interest paid, during the quarter ended on 30 September 2025, rose 4.8% to ₹31,551.5 crore from ₹30,114 crore, YoY.

HDFC Bank Q2 Results LIVE: Provisions and contingencies for the September quarter increased by 29.6% year-on-year to ₹3,500.5 crore from ₹2,700.5 crore. However, they declined sharply by 75.76% from ₹14,441.63 in the June quarter.

Gross NPA as a percentage of gross advances (Gross NPA ratio) for the quarter under review dropped by 16 basis points (bps) to 1.24% from 1.40% QoQ. Net NPA ratio of the bank fell 5 bps to 0.42% from 0.47%, QoQ.

HDFC Bank Q2 Results LIVE: HDFC Bank share price has shown a decent growth. The banking stock has gained 4% in one month and has risen 5% in six months. On a year-to-date (YTD) basis, HDFC Bank share price has risen over 12%, while it has rallied 30% in two years. HDFC shares have jumped over 67% in the past five years.

HDFC Bank Q2 Results LIVE: As of September 30, 2025, HDFC Bank’s distribution network was at 9,545 branches and 21,417 ATMs across 4,156 cities / towns as against 9,092 branches and 20,993 ATMs across 4,088 cities / towns as of September 30, 2024.

HDFC Bank Q2 Results LIVE: Gross advances were at ₹27,692 billion as of September 30, 2025, an increase of 9.9% YoY. Advances under management grew by 8.9% YoY. Retail loans grew by 7.4%, small and mid-market enterprises loans grew by 17.0% and corporate and other wholesale loans grew by 6.4%. Overseas advances constituted 1.8% of total advances.

HDFC Bank Q2 Results LIVE: Total deposits were at ₹28,018 billion as of September 30, 2025, an increase of 12.1% over September 30, 2024. CASA deposits grew by 7.4% with savings account deposits at ₹6,527 billion and current account deposits at ₹2,964 billion. CASA deposits comprised 33.9% of total deposits as of September 30, 2025.

HDFC Bank Q2 Results LIVE: Total balance sheet size of HDFC Bank as of September 30, 2025 was ₹40,030 billion as against ₹36,881 billion as of September 30, 2024.

HDFC Bank Q2 Results LIVE: HDFC Bank booked a one-time gain linked to its subsidiary HDB Financial Services Ltd’s initial public offering (IPO) during the quarter ended September 2025.

HDB Financial Services IPO was launched on June 25, which was a fresh issue of shares worth ₹2,500 crore, and an offer for sale (OFS) of shares amounting to ₹10,000 crore by HDFC Bank. Under the OFS of HDB Financial IPO, HDFC Bank divested 13.51 crore shares at ₹740 apiece, resulting in a net pre-tax gain of ₹9,128.4 crore during the half year ended September 30, 2025.

HDFC Bank Q2 Results LIVE: HDFC Bank’s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at 20.0% as on September 30, 2025, up from 19.8% as on September 30, 2024, and as against a regulatory requirement of 11.9%. Tier 1 CAR was at 17.9% and Common Equity Tier 1 Capital ratio was at 17.5% as of September 30, 2025. Risk-weighted Assets were at 27,841 billion.

HDFC Bank Q2 Results LIVE: Provisions and contingencies for the September quarter rose 29.6% to ₹3,500.5 crore from ₹2,700.5 crore, YoY. However, it dropped significantly by 75.76% from ₹14,441.63 in the June quarter.

HDFC Bank Q2 Results LIVE: Gross NPA as a percentage of Gross Advances (Gross NPA ratio) in Q2FY26 declined by 16 basis points (bps) to 1.24% from 1.40% QoQ. Net NPA ratio of the bank dropped by 5 bps to 0.42% from 0.47%, QoQ.

HDFC Bank Q2 Results LIVE: HDFC Bank’s asset quality during the September quarter improved. Gross Non-Performing Assets (NPA) in Q2FY26 declined 7.42% to ₹34,289.48 crore from ₹37,040.80 crore in the previous quarter. Net NPA decreased 6.75% to ₹11,447.29 crore from ₹12,275.99 crore, QoQ.

HDFC Bank Q2 Results LIVE: Pre-provisions operating profit (PPOP) in Q2FY26 increased 18.5% to ₹27,923.60 crore from ₹24,705.74 crore, YoY.

HDFC Bank Q2 Results LIVE: HDFC Bank’s Net Interest Income (NII), the difference between interest earned and interest paid, during the fiscal second quarter ended September 2025 grew 4.8% to ₹31,551.5 crore from ₹30,114 crore, YoY.

HDFC Bank Q2 Results LIVE: HDFC Bank, the largest private sector lender reported a net profit of ₹18,641.28 crore during the second quarter of FY26, registering a growth of 10.8% from ₹16,820.97 crore, in the year-ago period.

HDFC Bank Q2 Results LIVE: HDFC Bank is expected to see muted single-digit growth in its net profit and net interest income (NII) during the July-September quarter. However, HDFC Bank’s margins are expected to moderate during the quarter and contract sequentially due to the impact of repo rate cut.

HDFC Bank Q2 Results LIVE: The banking sector is estimated to report weak earnings in the quarter ended September 2025, with sector profitability bottoming out before a recovery in H2FY26.

HDFC Bank Q2 Results LIVE: H HDFC Bank, the largest private sector bank in India, will announce its Q2 results today, 18 October 2025. The board of directors of the private lender is scheduled to meet on Saturday to consider and approve the financial results for the second quarter of FY26.