HDFC Bank Share Price

 

HDFC Bank?

HDFC Bank is one of India’s largest private sector banks. With a big presence across retail banking, corporate banking, and financial services, it’s well-known for its large branch & ATM network, a strong deposit base, and relatively stable operating metrics. Over recent years, it has also become even more prominent after mergers (especially with HDFC Ltd) which broadened its home-loan and mortgage-finance offerings.

Latest Financials & Key Metrics

Here are how HDFC Bank’s most recent results and metrics look (as of FY25 / Q4 FY25, and some more recent data):

• In Q4 FY25 (quarter ended March 31, 2025):

  • Consolidated net revenue ~ ₹732.8 billion. HDFC Bank

  • Profit After Tax (PAT) ~ ₹188.3 billion. HDFC Bank

  • Earnings per share (EPS) ~ ₹24.6 for Q4; ~₹92.8 for the full year. ICICI Direct+1

  • Book value per share was about ₹681.9. HDFC Bank

• Loan / Deposit & Growth Numbers:

  • Gross advances (loans) stood at ~ ₹26.43 lakh crore (≈ ₹26.43 trillion) as of March 31, 2025, which was a year-on-year growth of ~ 5.4% from about ₹25.08 lakh crore. The Times of India+1

  • Retail loans grew ~ 9% YoY; commercial & rural banking grew ~12.8%. Corporate / wholesale loans had a decline. HDFC Bank+2The Times of India+2

  • Deposits (total) grew ~14.1% YoY to ~ ₹27.14 lakh crore. CASA (Current + Savings) deposits also increased, though more modestly. HDFC Bank+1

• Margins, Asset Quality & Other Wheels:

  • Net interest margin (NIM): Around 3.54% on total assets, ~3.73% on interest-earning assets. Adjusted core NIM slightly lower. HDFC Bank

  • Gross Non-Performing Assets (NPAs) about 1.33% of gross advances as of March 2025. Net NPAs much lower (~0.43%). HDFC Bank+1

  • Cost-to-income ratio is under 40% (~39.8%) in Q4 FY25. HDFC Bank

• Share Price / Valuation Snapshot:

  • As of recent live data, HDFC Bank share price is ~ ₹950–₹960 range. Subscription Website+2ICICI Direct+2

  • 52-week high ~ ₹1,012.80, 52-week low ~ ₹806.70. ICICI Direct+1

  • P/E ratio (price to earnings) is about 20–21×. ICICI Direct+1

• Other corporate / capital actions:

  • The bank recommended a dividend of ₹22 per share of face value ₹1 for FY25. Business Standard+1

  • It also made a 1:1 bonus issue (i.e. every shareholder gets one additional share for every share held). This doubles the number of shares, which typically halves the price per share (ex-bonus) but doesn't change the overall value. The Times of India

What’s Driving HDFC Bank Now

Here are some of the positive factors and tailwinds:

1. Strong Deposit Growth
   The bank has done well in growing its deposit base, especially time deposits, which helps it fund loans more securely. CASA is growing too, though more gradually.

2. Stable Asset Quality
   While there are always risks, the bank’s NPAs are relatively under control compared to many peers. Net NPAs are low. That's a plus for investor confidence.

3. Healthy Margins
   Net interest margins are decent given the current rate environment in India. Lower cost of funds (as rates moderate) could help margins.

4. Shareholder Returns
   Dividends + bonus share issuance shows the bank is confident of its earnings and wants to reward shareholders.

5. Valuation & Analyst Sentiment
   Some brokerages / analysts see more upside. For example, reports have called HDFC Bank a “top pick”, citing improving growth, operational efficiency, etc. The Economic Times

Risks & Challenges

No bank is without its headwinds. Below are what to watch for with HDFC Bank:

• Slower Loan Growth in Some Segments
  While retail and rural/commercial loans are growing, corporate / wholesale loans have declined. That can limit upside.

• Margin Pressure
  If borrowing costs rise (cost of funds), or if competition forces lending rates down, it could squeeze margins.

• Regulatory / Macroeconomic Risks
  Interest rate moves by the RBI, inflation, economic slowdown, or adverse global developments can affect performance.

• Valuation Expectations
  Given P/E ~ 20-21× and relatively high share price, expectations are baked in. If results miss, downside risk exists.

• Effect of Bonus/Share Issuance
  While bonus shares are good, they change per-share metrics and require investors to understand the ex-bonus price adjustments.

So, Is It a Good Time to Consider Buying?

Here’s how things look from an investor’s perspective:

• For long-term investors, HDFC Bank remains one of the more stable banking stocks in India: good brand, strong financials, decent growth, and reliable returns.

• If you believe that India’s economy will continue growing, credit demand will stay strong (especially in retail & rural segments), and interest rates moderate, then HDFC Bank could deliver reasonable returns from here.

• As always, a phased entry helps (“buying on dips”) rather than trying to catch the top. Given the bonus share issuance and volatility in markets, being cautious is wise.

• Battery of triggers to watch: next quarter’s growth in loans, deposit growth particularly CASA, any uptick in NPAs, special news on costs or regulation, and how interest rates evolve.