HDFC Bank Balance Sheet Health
Financial Health criteria checks 6/6
HDFC Bank has total assets of ₹41,517.9B and total equity of ₹4,972.3B. Total deposits are ₹24,963.2B, and total loans are ₹25,857.1B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are ₹2,663.9B.
Key information
8.3x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | ₹24.96t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₹2.66t |
Recent financial health updates
No updates
Recent updates
HDFC Bank: Asia's Compounding Machine Is Back On Track
Jan 07HDFC Bank: The Clouds Are Finally Clearing (Rating Upgrade)
Oct 27HDFC Bank: Focus On Fundamentals Over The Upcoming $2bn Catalyst
Aug 21HDFC Bank: Negatives Are Priced In
Jun 17HDFC Bank: The Jury Is Still Out, Although The Risk-Reward Is In A Better Place
Apr 03HDFC Bank: Why The $21bn Rout Was Not Unjustified
Jan 22HDFC Bank: Cleaning Out The Closet
Nov 17HDFC Bank: Merger Done, A New Chapter Begins (Rating Downgrade)
Sep 09HDFC Bank: A Bet On The Rapid Emergence Of India
Jul 04HDFC Bank: Market's Attention Is On Pending Merger
Jan 09HDFC Bank: Steady As She Goes
Oct 27HDFC Bank GAAP EPS of ₹19.00, core net revenue of ₹28,869.8 crore
Oct 17HDFC Bank: Sustainability At Its Core
Jul 15HDFC Bank: Best-In-Class Indian Bank Weighed Down By Transitory Headwinds
Jun 24HDFC Bank: Turning A New Chapter Post RBI Restrictions
Apr 04HDFC: Well Positioned To Profit From India's Economic Upswing
Nov 28HDFC Bank: Long-Term Growth Potential Overshadowed By Short-Term Challenges
Sep 24With Banks Getting Ready To Kick Off Earnings Season, I Like HDFC Bank Better Than Most
Jul 08HDFC Bank: Favor Quality On The Recovery Path
Nov 07Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HDB's Assets to Equity ratio (8.3x) is low.
Allowance for Bad Loans: HDB has a sufficient allowance for bad loans (133%).
Low Risk Liabilities: 68% of HDB's liabilities are made up of primarily low risk sources of funding.
Loan Level: HDB has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: HDB's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: HDB has an appropriate level of bad loans (1.3%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/20 05:30 |
| End of Day Share Price | 2025/01/17 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
HDFC Bank Limited is covered by 85 analysts. 37 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Nitin Bhasin | Ambit Capital |
| Pankaj Agarwal | Ambit Capital |
| Kaitav Shah | Anand Rathi Shares and Stock Brokers Limited |