| Margins | NIM improved to 8.23% from 8.09% QoQ; guiding for 8%+. |
|---|---|
| Demand visibility | Strong rural demand and sustained domestic economic activity noted. |
| Management confidence | High; cited record disbursements and 2.5x customer expansion since 2022. |
Growth
Net interest income rose 21.6% YoY; PAT stood at ₹751cr. Gross loan book reached ₹1,18,493cr, up 10.9% YoY.
Outlook
Targeting medium-term growth of Nominal GDP + 6-7%. Guidance for 8%+ NIM and credit costs around 2.3%.
Risks
West Asia conflict and potential El Niño weather disruptions are key monitorables for inflation and supply chains.
Earnings Call filed with NSE, NSE: HDBFS. Summary written with AI assistance from the document.
HDB Financial Services Ltd: key numbers
- Share price
- ₹637.40
- Market cap
- ₹52,955 Cr
- Revenue (annual)
- ₹18,430 Cr
- Net profit (annual)
- ₹2,544 Cr
- P/E (TTM)
- 19.2×Sector 21.7×
- Promoter holding
- 74.12%+0.00% QoQ
- FII holding
- 3.55%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from HDB Financial Services Ltd
All →HDB Financial Services Board Meeting Date
HDB Financial Services Limited will hold a Board meeting on October 14, 2026, to consider and approve the unaudited financial results for the quarter ending September 2026.
HDB Financial Services Debt & Borrowing: ₹50.26 Cr
HDB Financial Services paid ₹50.26 Crore in interest across three NCD series on 22 Sep 2026. All debentures carried a 7.18% annual coupon rate.
- Value
- ₹50.26 Cr
HDB Financial Services Employee Stock Options
HDB Financial Services allotted 29,480 equity shares to employees upon ESOP exercise on September 21, 2026. Paid-up capital increased to Rs. 830.79 Crore.
HDB Financial Services Debt & Borrowing: ₹2,018 Cr
HDB Financial Services allotted 20,000 NCDs aggregating to Rs.2,018.17 Crore via private placement. The 1064-day debentures carry an 8.05% coupon secured by first charge on receivables.
- Value
- ₹2,018 Cr
- Execution
- 1064 Days (maturity August 08, 2029)
HDB Financial Services Credit Rating
CRISIL Ratings has reaffirmed the 'AAA' and 'A1+' ratings for various debt instruments of HDB Financial Services Limited, maintaining a stable outlook.
HDB Financial Services Board Meeting Date
HDB Financial Services Ltd has scheduled a meeting of its Debenture Allotment Committee on September 9, 2026, to consider raising funds through a debt issue.