HDFC Bank, India’s largest private sector lender, reported a strong financial performance for the second quarter of FY26, with a standalone net profit of ₹18,641 crore — marking an 11% year-on-year (YoY) increase from ₹16,821 crore in the same period last year.
The bank’s Net Interest Income (NII), which represents the difference between interest earned and interest expended, rose by 4.8% YoY to ₹31,551.5 crore, up from ₹30,113.9 crore in Q2 FY25. The core net interest margin stood at 3.27% on total assets, reflecting stable profitability amid evolving market conditions.
Other income for the quarter reached ₹14,350 crore, comprising ₹8,840 crore from fees and commissions, ₹1,590 crore from foreign exchange and derivatives, and ₹2,390 crore from net trading and mark-to-market gains.
Asset quality showed notable improvement, with the Gross Non-Performing Assets (NPA) ratio declining to 1.24% as of September 30, 2025, compared to 1.36% a year earlier. This indicates enhanced credit discipline and effective risk management.
The bank’s consolidated net profit stood at ₹19,611 crore for the quarter, further underscoring its robust operational performance across business segments.
HDFC Bank’s Q2 results reflect resilience in a competitive banking landscape, driven by steady income growth, improved asset quality, and diversified revenue streams.
