Quick wins for a faster PC:
Repair Windows errors before they cause bigger problemsFix Now →Scan for outdated or missing drivers - takes under a minuteDriver Scan →iTechGuides is reader-supported. When you buy through links on our site, we may earn an affiliate commission. As an Amazon Associate I earn from qualifying purchases. Learn more
HDFC Bank makes most of its core banking income from the spread between interest earned on loans and investments and interest paid on deposits and other funding. It reports that spread as net interest income (NII); net interest margin (NIM) expresses it as a percentage of a stated asset base. Fees and other income add to revenue, but operating expenses, credit-loss provisions and taxes still stand between revenue and profit.
The latest quarterly results listed by HDFC Bank as of October 7, 2026 cover the quarter ended June 30, 2026. Figures below use the bank’s standalone Indian GAAP results unless otherwise noted.
How the bank’s core interest engine works
Deposits fund the balance sheet
Customers keep money in current, savings and time-deposit accounts. HDFC Bank uses this funding to support loans and investments, while paying interest on some of it. The cost and mix of funding affect the difference between interest income and interest expense; no single deposit category determines profitability by itself.
Recommended Free Tools
For the quarter ended June 30, 2026, HDFC Bank reported average deposits of ₹30,115 billion and period-end deposits of ₹31,708 billion. At quarter-end, these included ₹7,008 billion in savings deposits, ₹3,245 billion in current-account deposits and ₹21,455 billion in time deposits. Current- and savings-account deposits (CASA) represented 32.3% of total deposits. These balances show the funding mix, not its complete cost: repricing, liquidity requirements and the assets funded also matter. HDFC Bank’s financial-results materials
#1 Best Overall
Loans and investments earn interest
The bank earns interest on advances and bills, investments, balances with the Reserve Bank of India and other interbank funds, among other items. Gross advances stood at ₹30,608 billion as of June 30, 2026. Year-on-year, retail loans grew 7.2%, small and mid-market enterprise loans 18.7%, and corporate and other wholesale loans 18.6%. Those growth rates describe lending activity; they do not by themselves show the yield earned or the profit on each loan.
NII and NIM describe different things
Net interest income is a rupee amount for a reporting period: interest earned minus interest expended. HDFC Bank reported standalone NII of ₹335.3 billion for the quarter ended June 30, 2026, up 6.7% from ₹314.4 billion in the quarter ended June 30, 2025.
Net interest margin is a ratio, so its denominator matters. For that June 2026 quarter, the bank reported NIM of 3.26% on total assets and 3.40% on interest-earning assets. Its FY2025–26 annual disclosure reported 3.34% as a percentage of average assets. These figures use different periods and, for the quarterly measures, different denominators; they are not interchangeable. HDFC Bank’s June 2026 results release filed with the SEC HDFC Bank’s FY2025–26 annual report
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Where fees and other income fit
Interest is not the bank’s only source of income. For the quarter ended June 30, 2026, standalone other income was ₹128.2 billion, comprising:
Rank #3
- PERFECT FOR RECORD KEEPING: The 2 Pack account ledger books are versatile and can be used to track finances, budgets, expenses, and other business or personal records. They are perfect for individuals, or small business owners who need a reliable and efficient way to keep track of their finances. With 100 pages, customers can record transactions over an extended period, making it a handy tool for bill planner, weekly budget planner, monthly budget planner.
- COMPACT AND LIGHTWEIGHT: The Budget Planner is compact and lightweight with each book weighing 7 ounces and measuring 8.5 x 6.25 inch, making them easy to carry around. You can take the budget notebook in a bag or briefcase, making them ideal for on-the-go use. This feature ensures that you can access your records at any time, whether you are at work or on the move.
- PREMIUM QUALITY: Elegant style with the words ''Account Tracker'' embossed in fancy Gold Foils. Water-proof and scratch resistant hard cover. Coil ring binding is a practical design feature that enhances the functionality of the account ledger books. It allows pages to turn smoothly and easily, making it effortless to flip through the book while keeping pages in place. The ring binding also ensures that pages won't fall out, preventing the loss of vital information.
- DURABLE WATER-PROOF COVER WITH GOLD FOIL LETTERS: The words ''Account Tracker'' embossed in shiny Gold Foil letters gives it a professional and fancy look that can fit in any setting. Additionally, the durable cover is scratch resistant, It provides a durable layer of protection that can withstand daily wear and tear, making it suitable for long-term use.
- Fees and commissions: ₹84.5 billion.
- Foreign-exchange and derivatives revenue: ₹13.0 billion.
- Net trading and mark-to-market gain: ₹4.2 billion.
- Miscellaneous income, including recoveries and dividends: ₹26.6 billion.
Fees and commissions were the largest listed component of other income in that quarter. HDFC Bank’s lending-practices code says retail loan and credit-card application forms set out applicable fees or charges, possible refunds if an application is not accepted, and prepayment options. It does not establish a single fee amount: charges can depend on the product and may change. HDFC Bank’s fair-practices code for lenders
Some other-income items can be lumpy
Trading and mark-to-market gains can vary substantially. The June 2025 comparison quarter included ₹91.3 billion in transaction gains from a partial divestment in HDB Financial Services, which HDFC Bank identifies as an exceptional item. That one-off makes a simple year-on-year comparison of other income less representative of recurring fee or trading activity.
Rank #4
Why revenue is not profit
Income figures do not account for the full cost of running a bank or absorbing loan losses. In the June 2026 quarter, HDFC Bank reported operating expenses of ₹181.9 billion, provisions and contingencies of ₹30.6 billion, and profit after tax of ₹190.6 billion. The bank also reported a 39.2% cost-to-income ratio for that quarter; comparisons with another bank or period are meaningful only on a consistent reporting and accounting basis.
Outdated Drivers Are Slowing You Down
One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchWindows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallFor FY2025–26, the bank reported net revenue of ₹1,91,218.6 crore and profit after tax of ₹74,671.3 crore. Its annual disclosure defines net revenue as NII plus other income. Net revenue is therefore not the same as net profit: expenses and provisions must still be accounted for. Annual figures cover a full financial year and should not be mixed with quarterly totals. HDFC Bank’s FY2025–26 annual report
Best Value
How to compare HDFC Bank’s results over time
When evaluating whether the bank’s earnings engine is strengthening, compare like with like rather than relying on one headline ratio. Useful measures include:
- NIM with the same asset denominator and reporting period.
- NII growth alongside growth in average loans and deposits.
- Deposit composition and funding costs, not CASA share alone.
- Fee income as a portion of revenue, separated from volatile trading or exceptional gains.
- Operating expenses and credit provisions on the same reporting basis.
- Standalone figures against standalone figures, or consolidated against consolidated.
The latest quarterly result available on HDFC Bank’s investor-relations results index as of October 7, 2026 is for the quarter ended June 30, 2026. It is a standalone Indian GAAP result subject to limited review by the bank’s statutory auditors. The FY2025–26 annual disclosure covers a different period. HDFC Bank’s financial-results index
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
Free tools Windows power users keep installed
One-click scans. No signup required.
