HDFC Bank Sees Significant Share Price Surge Following Impressive Q4 Report
HDFC Bank’s stock witnessed a notable increase, climbing 2.6% to reach an impressive intra-day peak of Rs 1,841.95, making it the leading gainer on the Nifty 50 index. This spike in share price can be attributed to the bank’s recent announcement regarding its business performance for the fourth quarter of the fiscal year 2025.
Strong Deposit Growth in Q4 FY25
The leading private sector bank reported a substantial 14.1% year-on-year increase in deposits for Q4 FY25, with a sequential rise of 5.9%, bringing the total to Rs 27.15 lakh crore. In addition to this, HDFC Bank’s gross advances also saw a positive trend, growing by 5.4% year-on-year and 4% quarter-on-quarter to reach Rs 26.44 lakh crore.
- Deposit Growth: 14.1% YoY
- Total Deposits: Rs 27.15 lakh crore
- Gross Advances Growth: 5.4% YoY
Encouraging Loan Outlook
In the current fiscal year, HDFC Bank successfully securitized Rs 57,000 crore worth of advances, with Rs 10,700 crore of that total completed in just Q4. The bank’s average deposits rose nearly 16% year-on-year and 3.1% quarter-on-quarter to reach Rs 25.28 lakh crore.
- CASA Deposits: Grew by 5.7% YoY and 1.4% QoQ to Rs 8.29 lakh crore
- Period End Time Deposits: Increased 20.3% YoY, totaling Rs 17.70 lakh crore
Q3 Highlights: A Look Back
For the third quarter of FY25, HDFC Bank reported a 2.2% rise in net profit, amounting to Rs 16,735.50 crore. The net interest income (NII) also saw a healthy 7.7% increase year-on-year, reaching Rs 30,650 crore. Though the bank’s net interest margin (NIM) slightly dipped to 3.43% from 3.5% in the previous quarter, its provisions decreased significantly to Rs 3,150 crore, down from Rs 4,220 crore in Q3 FY24.
- Net Profit: Rs 16,735.50 crore
- Net Interest Income: Rs 30,650 crore
- Provisions: Rs 3,150 crore
Stock Performance Overview
HDFC Bank’s stock has shown resilience, with a 1.4% increase over the past five trading sessions. Over the last month, the stock has yielded a return of over 7%, while in the last six months, it has appreciated by 11%. Impressively, the stock has boosted investors’ wealth by 20% in the past year.
Investors are keeping a close watch on HDFC Bank, especially as it continues to showcase strong financial performance amid challenging market conditions. With robust deposit growth and a solid loan outlook, the bank remains a key player in the financial sector.
