v3.26.1
CONSOLIDATED STATEMENTS OF INCOME
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2026
INR (₨)
₨ / shares
Mar. 31, 2026
USD ($)
$ / shares
Mar. 31, 2025
INR (₨)
₨ / shares
Mar. 31, 2024
INR (₨)
₨ / shares
Interest and dividend revenue:        
Loans ₨ 2,544,315.4 $ 27,116.2 ₨ 2,506,518.7 ₨ 2,194,525.5
Trading securities 19,660.0 209.5 11,417.5 3,563.1
Available for sale debt securities 712,057.3 7,588.8 625,200.6 516,550.0
Other 84,232.3 897.7 84,825.8 67,287.6
Total interest and dividend revenue 3,360,265.0 35,812.2 3,227,962.6 2,781,926.2
Interest expense:        
Deposits 1,383,241.5 14,742.0 1,254,947.4 997,405.6
Short-term borrowings 93,075.7 992.0 94,148.6 100,181.0
Long-term debt 375,036.8 3,997.0 471,570.2 432,520.3
Other 9,141.5 97.4 2,810.8 3,815.9
Total interest expense 1,860,495.5 19,828.4 1,823,477.0 1,533,922.8
Net interest revenue 1,499,769.5 15,983.8 1,404,485.6 1,248,003.4
Provision for credit losses 168,272.2 1,793.4 181,380.1 133,063.1
Net interest revenue after provision for credit losses 1,331,497.3 14,190.4 1,223,105.5 1,114,940.3
Non-interest revenue, net:        
Fees and commissions 356,569.1 3,800.2 324,086.5 280,965.9
Trading securities gain (net) 18,461.2 196.8 43,407.7 41,595.0
Realized gain/(loss) on sales of available for sale debt securities, net 50,331.9 536.4 6,825.0 826.7
Allowance on available for sale debt securities 0.0 0.0 0.0 70.9
Foreign exchange transactions gain/(loss) (4,089.6) (43.6) 38,419.8 15,521.2
Derivatives gain net 14,113.2 150.4 37,644.2 18,558.5
Premium and other operating income from the insurance business 545,990.4 5,818.9 498,265.2 381,879.5
Other, net 14,471.8 154.2 18,374.2 (486.8)
Total non-interest revenue, net 995,848.0 10,613.3 967,022.6 738,930.9
Total revenue, net 2,327,345.3 24,803.7 2,190,128.1 1,853,871.2
Non-interest expense:        
Salaries and staff benefits 318,594.7 3,395.4 299,251.7 288,776.0
Premises and equipment 91,055.3 970.4 77,733.6 65,131.5
Depreciation and amortization 41,150.7 438.6 37,784.1 31,147.3
Administrative and other 310,095.8 3,304.9 292,757.7 281,020.8
Amortization of intangible assets 20,681.6 220.4 25,237.2 21,201.0
Claims and benefits paid pertaining to insurance business 569,949.7 6,074.3 532,867.1 381,965.8
Total non-interest expense 1,351,527.8 14,404.0 1,265,631.4 1,069,242.4
(Surplus) in P&L transferred to undistributed policyholders earnings account (36,789.6) (392.1) (62,950.5) (79,169.8)
Income before income tax expense 939,027.9 10,007.6 861,546.2 705,459.0
Income tax expense 211,931.5 2,258.7 175,014.9 77,827.1
Net income before noncontrolling interest 727,096.4 7,748.9 686,531.3 627,631.9
Less: Net income attributable to shareholders of noncontrolling interest 22,303.0 237.7 13,023.0 4,975.3
Net income attributable to shareholders of HDFC Bank Limited ₨ 704,793.4 $ 7,511.2 ₨ 673,508.3 ₨ 622,656.6
Per share information: (see note: 31)        
Earnings per equity share—basic | (per share) ₨ 45.89 $ 0.49 ₨ 45.01 ₨ 44.33
Earnings per equity share—diluted | (per share) 45.75 0.48 44.82 44.16
Per ADS information (where 1 ADS represents 3 shares): (see note: 31)        
Earnings per ADS—basic | (per share) 137.67 1.47 135.02 132.99
Earnings per ADS—diluted | (per share) 137.25 1.44 134.45 132.46
Dividends declared per equity share | (per share) ₨ 15.5 $ 0.17 ₨ 11 ₨ 9.75