CONSOLIDATED STATEMENTS OF INCOME ₨ in Millions, $ in Millions |
12 Months Ended | |||
|---|---|---|---|---|
|
Mar. 31, 2025
INR (₨)
₨ / shares
|
Mar. 31, 2025
USD ($)
$ / shares
|
Mar. 31, 2024
INR (₨)
₨ / shares
|
Mar. 31, 2023
INR (₨)
₨ / shares
|
|
| Interest and dividend revenue: | ||||
| Loans | ₨ 2,506,518.7 | $ 29,340.0 | ₨ 2,194,525.5 | ₨ 1,351,818.0 |
| Trading securities | 11,417.5 | 133.6 | 3,563.1 | 2,964.6 |
| Available for sale debt securities | 625,200.6 | 7,318.3 | 516,550.0 | 304,566.7 |
| Other | 84,825.8 | 992.9 | 67,287.6 | 30,177.4 |
| Total interest and dividend revenue | 3,227,962.6 | 37,784.8 | 2,781,926.2 | 1,689,526.7 |
| Interest expense: | ||||
| Deposits | 1,254,947.4 | 14,689.8 | 997,405.6 | 615,108.9 |
| Short-term borrowings | 94,148.6 | 1,102.1 | 100,181.0 | 58,142.8 |
| Long-term debt | 471,570.2 | 5,520.0 | 432,520.3 | 101,587.8 |
| Other | 2,810.8 | 32.9 | 3,815.9 | 698.7 |
| Total interest expense | 1,823,477.0 | 21,344.8 | 1,533,922.8 | 775,538.2 |
| Net interest revenue | 1,404,485.6 | 16,440.0 | 1,248,003.4 | 913,988.5 |
| Provision for credit losses | 181,380.1 | 2,123.1 | 133,063.1 | 74,213.8 |
| Net interest revenue after provision for credit losses | 1,223,105.5 | 14,316.9 | 1,114,940.3 | 839,774.7 |
| Non-interest revenue, net: | ||||
| Fees and commissions | 324,086.5 | 3,793.6 | 280,965.9 | 239,603.7 |
| Trading securities gain (net) | 43,407.7 | 508.1 | 41,595.0 | 479.9 |
| Realized gain/(loss) on sales of available for sale debt securities, net | 6,825.0 | 79.9 | 826.7 | (720.3) |
| Allowance on available for sale debt securities | 70.9 | (70.9) | ||
| Foreign exchange transactions | 38,419.8 | 449.7 | 15,521.2 | 25,547.0 |
| Derivatives gain net | 37,644.2 | 440.6 | 18,558.5 | 15,366.1 |
| Premium and other operating income from the insurance business | 498,265.2 | 5,832.4 | 381,879.5 | 0.0 |
| Other, net | 18,374.2 | 215.1 | (486.8) | 11,181.0 |
| Total non-interest revenue, net | 967,022.6 | 11,319.4 | 738,930.9 | 291,386.5 |
| Total revenue, net | 2,190,128.1 | 25,636.3 | 1,853,871.2 | 1,131,161.2 |
| Non-interest expense: | ||||
| Salaries and staff benefits | 299,251.7 | 3,502.9 | 288,776.0 | 199,726.8 |
| Premises and equipment | 77,733.6 | 909.9 | 65,131.5 | 45,069.9 |
| Depreciation and amortization | 37,784.1 | 442.3 | 31,147.3 | 23,489.7 |
| Administrative and other | 292,757.7 | 3,426.9 | 281,020.8 | 200,493.0 |
| Amortization of intangible assets | 25,237.2 | 295.4 | 21,201.0 | 0.0 |
| Claims and benefits paid pertaining to insurance business | 532,867.1 | 6,237.5 | 381,965.8 | 0.0 |
| Total non-interest expense | 1,265,631.4 | 14,814.9 | 1,069,242.4 | 468,779.4 |
| (Surplus) / Deficit in P&L transferred to undistributed policyholders earnings account | (62,950.5) | (736.9) | (79,169.8) | 0.0 |
| Income before income tax expense | 861,546.2 | 10,084.5 | 705,459.0 | 662,381.8 |
| Income tax expense | 175,014.9 | 2,048.6 | 77,827.1 | 166,117.4 |
| Net income before noncontrolling interest | 686,531.3 | 8,035.9 | 627,631.9 | 496,264.4 |
| Less: Net income attributable to shareholders of noncontrolling interest | 13,023.0 | 152.4 | 4,975.3 | 817.5 |
| Net income attributable to shareholders of HDFC Bank Limited | ₨ 673,508.3 | $ 7,883.5 | ₨ 622,656.6 | ₨ 495,446.9 |
| Per share information: (see note: 31) | ||||
| Earnings per equity share—basic | (per share) | ₨ 90.01 | $ 1.05 | ₨ 88.66 | ₨ 89.02 |
| Earnings per equity share—diluted | (per share) | 89.63 | 1.04 | 88.31 | 88.68 |
| Per ADS information (where 1 ADS represents 3 shares): (see note:31) | ||||
| Earnings per ADS—basic | (per share) | 270.03 | 3.15 | 265.98 | 267.06 |
| Earnings per ADS—diluted | (per share) | 268.89 | 3.12 | 264.93 | 266.04 |
| Dividends declared per equity share | (per share) | ₨ 22 | $ 0.26 | ₨ 19.5 | ₨ 19 |
| X | ||||||||||
- Definition Allowance for credit loss on investment in debt security measured at fair value. No definition available.
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| X | ||||||||||
- Definition Amount of claims and benefits paid and amount of change in actuarial valuation of liabilities. No definition available.
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| X | ||||||||||
- Definition The amount of net income or loss for the period per each share of American Depository Receipts outstanding during the reporting period. No definition available.
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| X | ||||||||||
- Definition The amount of net income or loss for the period per each share of American Depository Receipts and dilutive common stock equivalents outstanding during the reporting period. No definition available.
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- References No definition available.
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| X | ||||||||||
- Definition Amount of fees and commissions from financial services and banking activities and correspondent clearing. including fees from credit cards, merchant discounts, and administrative fees. No definition available.
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- Definition This element represents premises expense and equipment expense including expense towards repairs, rentals and service contracts costs. No definition available.
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- Definition Amount of premiums, fees and charges received from insurance business. No definition available.
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- Definition Amount of gains or losses recognized during the reporting period on assets that were transferred to undistributed policyholders earnings account. No definition available.
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- Definition The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Aggregate dividends declared during the period for each share of common stock outstanding. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of realized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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| X | ||||||||||
- References No definition available.
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| X | ||||||||||
- Definition The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount, before tax, of realized and unrealized gain (loss) from foreign currency transaction. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Aggregate net gain (loss) on all derivative instruments recognized in earnings during the period, before tax effects. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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| X | ||||||||||
- Definition Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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| X | ||||||||||
- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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| X | ||||||||||
- Definition Aggregate amount of interest expense on all deposits. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Aggregate amount of interest paid or due on all long-term debt. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition Amount of interest expense classified as operating. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition Amount of interest expense classified as other. No definition available.
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- Definition The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition Amount of interest income, amortization of premium and accretion of discount on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale); classified as operating. No definition available.
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| X | ||||||||||
- Definition Amount of interest income, amortization of premium and accretion of discount, on investment in debt security measured at fair value with change in fair value recognized in net income (trading); classified as operating. No definition available.
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| X | ||||||||||
- Definition Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount of interest income (expense) classified as operating. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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| X | ||||||||||
- Definition Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition The portion of profit or loss for the period, net of income taxes, which is attributable to the parent. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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| X | ||||||||||
- Definition Amount of Net Income (Loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Total aggregate amount of all noninterest expense. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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- Definition The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- References No definition available.
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| X | ||||||||||
- Definition Amount of revenue earned, classified as other, excluding interest income. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount of expense charged against earnings to allocate the cost of tangible and intangible assets over their remaining economic lives, classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount of general and administrative expense classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount, after discount, accretion and premium amortization, of interest income and dividend income classified as other. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss). Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of gain (loss) resulting from the difference between the acquisition price and the selling price or fair value of trading assets and trading liabilities, conducted separately from customer trading activities. Includes, but is not limited to, changes in fair value of trading assets and trading liabilities. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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