HDFC Bank’s Q4 Preview: Strong Numbers and Smiles All Around

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HDFC Bank, India's biggest private sector lender, will declare its Q4 FY25 result on Saturday, April 19, 2025, in the afternoon. It will also deliberate over dividend proposals to shareholders, and thus it is an event keenly anticipated by investors as well as analysts.

Key Highlights:

Record Deposit Additions: HDFC Bank supplemented ₹1.5 trillion worth of deposits during Q4, the highest during a quarter of FY25, pushing total deposits to ₹27.14 trillion—a 14.1% YoY surge. Average deposits increased by 16% YoY, with CASA deposits growing by 5.7% to ₹8.29 trillion.

Profit Expectations: Analyst projections for net profit vary from nil growth to 7% year-on-year growth, with forecasts between ₹16,500 crore and ₹17,600 crore. Net interest income (NII) will increase between 5.5% and 9% YoY to ₹31,600 crore.

Loan Book & Asset Quality: Gross advances increased by 5.4% YoY to ₹26.43 trillion. The asset quality continues to be good, with gross NPA pending at 1.4% and net NPA at 0.4%.

Operational Efficiency: Cost management focus on deposit mobilization and balance sheet rebalancing is likely to aid stable cost ratios and recovery of margins notwithstanding the continued post-merger adjustments.

Share Price Rally: HDFC Bank shares jumped 7% over three days before results, reaching an all-time high of ₹1,885, indicating robust investor sentiment.

The spotlight is on the bank's credit growth guidance, margin trajectory, and dividend declaration as it steers through a dynamic banking environment.

Source: Business Standard, Moneycontrol, Business Northeast