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Double-digit growth in loans and deposits at HDFC Bank (NYSE: HDB)

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(Neutral)
Form Type
6-K

Rhea-AI Filing Summary

HDFC Bank Limited reported strong balance sheet growth for the period ended March 31, 2026. Period end advances under management were approximately ₹30,575 billion, up about 10.2% from ₹27,733 billion a year earlier, while period end gross advances reached roughly ₹29,600 billion, a 12.0% increase.

Average CASA deposits for the March 2026 quarter were ₹9,184 billion, growing around 10.8% from ₹8,289 billion for the March 2025 quarter. Average time deposits were ₹19,327 billion, up about 13.7% from ₹16,991 billion. Period end deposits totaled approximately ₹31,055 billion, 14.4% higher than ₹27,147 billion a year earlier, with both CASA and time deposits showing double‑digit growth.

The bank noted these figures are subject to audit by its statutory auditors.

Positive

  • Broad-based double-digit growth: Period end advances under management rose about 10.2% to ₹30,575 billion, while period end deposits increased around 14.4% to ₹31,055 billion year-on-year, indicating strong expansion in both lending and funding.

Negative

  • None.

Insights

HDFC Bank shows broad-based double-digit growth in loans and deposits.

HDFC Bank reports approximately ₹30,575 billion in period end advances under management as of March 31, 2026, up about 10.2% year-on-year. Gross advances of roughly ₹29,600 billion rose around 12.0%, indicating healthy credit growth.

On the funding side, average CASA deposits reached ₹9,184 billion with about 10.8% growth, while average time deposits of ₹19,327 billion increased roughly 13.7%. Period end deposits of about ₹31,055 billion, up around 14.4%, show strong liability traction.

The combination of solid loan growth and faster-growing deposits suggests the bank is expanding its franchise while maintaining funding depth. The disclosure also notes that results as of March 31, 2026 will be subject to audit, so final reported figures will be confirmed in subsequent audited financial statements.

Advances under management (period end) ₹30,575 billion As of March 31, 2026; up about 10.2% YoY
Gross advances (period end) ₹29,600 billion As of March 31, 2026; up about 12.0% YoY
Average CASA deposits ₹9,184 billion March 2026 quarter; up about 10.8% YoY
Average time deposits ₹19,327 billion March 2026 quarter; up about 13.7% YoY
Deposits (period end) ₹31,055 billion As of March 31, 2026; up about 14.4% YoY
Period end CASA deposits ₹10,605 billion As of March 31, 2026; up about 12.3% YoY
Period end time deposits ₹20,450 billion As of March 31, 2026; up about 15.5% YoY
advances under management financial
"The Bank’s period end advances under management were approximately ₹ 30,575 billion as of March 31, 2026"
gross advances financial
"The Bank’s period end gross advances aggregated to approximately ₹ 29,600 billion as of March 31, 2026"
CASA deposits financial
"The Bank’s average CASA deposits were ₹ 9,184 billion for the March 2026 quarter"
inter-bank participation certificates financial
"*gross of inter-bank participation certificates, bills rediscounted and securitisation / assignment"
securitisation / assignment financial
"*gross of inter-bank participation certificates, bills rediscounted and securitisation / assignment"
Form 6-K: How Foreign Companies Report to the SEC →
 
 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

Report of Foreign Private Issuer

Pursuant to Rule 13a-16 or 15d-16 under the

Securities Exchange Act of 1934

For the month of April, 2026

Commission File Number 001-15216

HDFC BANK LIMITED

(Translation of registrant’s name into English)

HDFC Bank House, Senapati Bapat Marg,

Lower Parel, Mumbai. 400 013, India

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒    Form 40-F ☐

 

 
 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

   

HDFC BANK LIMITED

       (Registrant)
Date: April 4, 2026     By:  

/s/ Ajay Agarwal

   

Name:  Ajay Agarwal

   

Title:   Company Secretary

     Group Head – Secretarial & Group Oversight

EXHIBIT INDEX

The following documents (bearing the exhibit number listed below) are furnished herewith and are made a part of this report pursuant to the General Instructions for Form 6-K.

Exhibit No. 99

Description

Disclosure

 

Exhibit 99

April 4, 2026

New York Stock Exchange

11, Wall Street,

New York,

NY 10005

USA

Dear Sir,

Sub: Disclosure

We would like to intimate the following:

 

1)

The Bank’s average advances under management (advances grossing up for inter-bank participation certificates, bills rediscounted and securitisation / assignment) were ₹ 29,644 billion for the March 2026 quarter, a growth of around 10.0% over ₹ 26,955 billion for the corresponding March 2025 period.

The Bank’s period end advances under management were approximately ₹ 30,575 billion as of March 31, 2026, a growth of around 10.2% over ₹ 27,733 billion as of March 31, 2025.

The Bank’s period end gross advances aggregated to approximately ₹ 29,600 billion as of March 31, 2026, a growth of around 12.0% over ₹ 26,435 billion as of March 31, 2025.

 

2)

The Bank’s average deposits were ₹ 28,511 billion for the March 2026 quarter, a growth of around 12.8% over ₹ 25,280 billion for the corresponding period.

The Bank’s average CASA deposits were ₹ 9,184 billion for the March 2026 quarter, a growth of around 10.8% over ₹ 8,289 billion for the corresponding March 2025 period.

The Bank’s average time deposits were ₹ 19,327 billion for the March 2026 quarter, a growth of around 13.7% over ₹ 16,991 billion for the corresponding March 2025 period.

The Bank’s period end deposits were approximately ₹ 31,055 billion as of March 31, 2026, a growth of around 14.4% over ₹ 27,147 billion as of March 31, 2025.

The Bank’s period end CASA deposits were approximately ₹ 10,605 billion as of March 31, 2026, a growth of around 12.3% over ₹ 9,446 billion as of March 31, 2025.

The Bank’s period end time deposits were approximately ₹ 20,450 billion as of March 31, 2026, a growth of around 15.5% over ₹ 17,701 billion as of March 31, 2025.

3)

Key business volumes are as under:

 

 

Key figures (₹ billion)

 

   

 

31-Mar-25

 

     

 

30-Sep-25

 

     

 

31-Dec-25

 

     

 

31-Mar-26

 

     

 

YoY

 

  
                                              

Advances under management*

                                             

Average

      26,955        27,946        28,641        29,644        10.0 % 

Period end

      27,733        28,688        29,460        30,575        10.2 % 
                                              

Gross advances – Period end

      26,435        27,692        28,446        29,600        12.0 % 
                  

Deposits – Average

      25,280        27,105        27,524        28,511        12.8 % 

CASA deposits

      8,289        8,770        8,984        9,184        10.8 % 

Time deposits

      16,991        18,335        18,540        19,327        13.7 % 
                                              

Deposits – Period end

      27,147        28,018        28,601        31,055        14.4 % 

CASA deposits

      9,446        9,492        9,612        10,605        12.3 % 

Time deposits

      17,701        18,526        18,989        20,450        15.5 % 

*gross of inter-bank participation certificates, bills rediscounted and securitisation / assignment

The results of the Bank as of March 31, 2026, will be subjected to an audit by the statutory auditors of the Bank.

We request you to bring the above to the notice of all concerned.

Yours faithfully,

For HDFC Bank Limited

Sd/-

Ajay Agarwal

Company Secretary

Group Head – Secretarial & Group Oversight

Source: View Original Filing on SEC EDGAR

FAQ

How fast did HDFC Bank (HDB) grow its advances under management?

HDFC Bank’s period end advances under management were approximately ₹30,575 billion as of March 31, 2026, growing about 10.2% from ₹27,733 billion a year earlier. This shows solid year-on-year expansion in the overall loan and credit portfolio managed by the bank.

What were HDFC Bank’s gross advances as of March 31, 2026?

HDFC Bank’s period end gross advances aggregated to roughly ₹29,600 billion as of March 31, 2026, an increase of about 12.0% from ₹26,435 billion as of March 31, 2025. This indicates robust growth in the bank’s on-balance-sheet lending book over the year.

How did HDFC Bank’s CASA deposits perform in the March 2026 quarter?

Average CASA deposits were ₹9,184 billion for the March 2026 quarter, growing around 10.8% from ₹8,289 billion in the corresponding March 2025 period. This reflects healthy expansion in low-cost current and savings account balances that support the bank’s overall funding mix.

What growth did HDFC Bank report in time deposits for March 2026?

HDFC Bank’s average time deposits for the March 2026 quarter were ₹19,327 billion, up about 13.7% from ₹16,991 billion a year earlier. Period end time deposits reached approximately ₹20,450 billion, a 15.5% increase, showing strong customer appetite for term deposit products.

What were HDFC Bank’s total deposits at March 31, 2026?

Period end deposits were approximately ₹31,055 billion as of March 31, 2026, up about 14.4% from ₹27,147 billion a year earlier. Both CASA deposits of roughly ₹10,605 billion and time deposits of about ₹20,450 billion contributed to this double-digit deposit growth.

Are HDFC Bank’s March 31, 2026 figures audited?

HDFC Bank stated that its results as of March 31, 2026, will be subjected to an audit by the bank’s statutory auditors. This means the disclosed advances and deposit figures are preliminary and will be confirmed when the audited financial statements are finalized.

Filing Exhibits & Attachments

1 document

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