hdfc bank q3 results 2025

HDFC Bank Q3 Results, Profit up 2%: HDFC Bank Share Price Rise Slightly

HDFC Bank Q3 net profit​ reported only a 2% year-on-year rise to ₹16,736 crores. The results were announced on January 22, 2025 and HDFC Bank share price closed at ₹1,666.05. On the next day, HDFC Bank share price opened with a rise to ₹1,687. In this blog, we’ll find all the details about HDFC Bank Q3 results and how it has performed in terms of profit and interest income.

HDFC Bank Q3 Results FY25: Key Highlights

  • Net interest income (NII) grew by 8% YoY to ₹30,690 crores during the quarter, and Net Interest Margin (NIM) for the quarter was flat at 3.4%.
  • HDFC Bank Q3 earnings declared that average deposits stood at ₹24.52 lakh crore, registering a 16% YoY growth, while total advances under management rose 8% YoY to ₹26.27 lakh crore during the same period.
  • CASA deposits grew by 6% YoY, and time deposits increased by 22.7% over the corresponding quarter of the previous year, resulting in CASA deposits comprising 34.0% of total deposits as of December 31, 2024.
  • HDFC Bank’s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at 20% as on December 31, 2024 (18.4% as on December 31, 2023) as against a regulatory requirement of 11.7%.
  • Tier 1 CAR was at 18% and Common Equity Tier 1 Capital ratio was at 17.5% as per the HDFC Bank Q3 results.

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HDFC Bank Q3 Results: Strong Network

As of December 31, 2024, the bank’s distribution network was at 9,143 branches and 21,049 ATMs across 4,101 cities/ towns as of December 31, 2024 as against 8,091 branches and 20,688 ATMs across 3,872 cities/towns as of December 31, 2023.

51% of our branches are in semi-urban and rural areas. In addition, HDFC Bank has 15,196 business correspondents, primarily manned by Common Service Centres (CSC). The number of employees was at 2,10,219 as of December 31, 2024 (as against 2,08,066 as of December 31, 2023).

HDFC Bank Q3 Results: Standalone Numbers

The summary of HDFC Bank Q3 results highlights that the bank faced some pressure on asset quality during the quarter.

Standalone Metrics Q3 FY25 Q3 FY24 YoY Change
Net Profit 16,736 16,373 2.22%
Net Interest Income 30,650 28,471 7.65%
Provisions and Contingencies 3,154 4,217 -25.21%
Average Deposits 24.52 21.17 15.82%
CASA Deposits 8.17 7.71 5.97%
Advances 26.27 24.41 7.62%
Gross NPA (%) 1.42% 1.26% 0.16%
Net NPA (%) 0.46% 0.31% 0.15%
Return on Assets (ROA) (%) 0.47% 0.49% -0.01%

*(in ₹ crores)

Highlighting the HDFC Bank share price performance, it has generated a positive return of less than 1% in the last 1 week (as on January 23, 2025). Keep exploring stocks and open demat account with SMC Global Securities. Stay tuned for the upcoming Nifty 50 companies quarterly results.

References:
SMC Global Securities Research Team

Author: All Content is verified by SMC Global Securities.

WHY SMC

  • 20 Lac+ unique clients
  • 33+ Years of Serving
  • Advance Technical Analysis
  • Free Demat Account


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