Earnings calls

HDBFS concall ledger

Every earnings call for HDBFS — management tone, guidance, KPIs and promise tracking, quarter by quarter.

HDBFS · 4 transcripts · Financial Services · latest Q4 FY26

Q4 FY26Published 15 Apr 2026Call held 15 Apr 2026

HDBFS Q4 FY26 Earnings Call Transcript & Analysis

Customer Franchise22.9 million+20% YoYGross Loan Book₹1,18,493 cr+11% YoYDisbursements Q4 FY26₹19,922 crNet Interest Income Q4 FY26₹2,399 cr+22% YoYNet Interest Income FY26₹8,968 cr+20% YoY

Customer Franchise 22.9 million (+20% YoY); Gross Loan Book ₹118,493 cr (+11% YoY); Disbursements Q4 FY26 ₹19,922 cr. Gross loan book grew 10.9% YoY to ₹1,18,493 crores.

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Q2 FY26Published 14 Jan 2026Call held 14 Jan 2026

HDBFS Q2 FY26 Earnings Call Transcript & Analysis

Reported PAT₹644 cr+36% YoYEPS₹7.8

Reported PAT (Q3) ₹644 cr (+36% YoY); EPS (Q3) ₹7.8. Disbursements for Q3 reached an all-time high of ₹17,917 crores, growing 14.9% sequentially.

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Q1 FY26Published 15 Oct 2025Call held 15 Oct 2025

HDBFS Q1 FY26 Earnings Call Transcript & Analysis

Profit After Tax₹581 crEPS₹7RoE12.23%

Profit After Tax (PAT) ₹581 cr; EPS ₹7.0; RoE (annualized) 12.23%. Customer franchise grew 19.6% YoY to 21.0 million.

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Q4 FY25Published 15 Jul 2025Call held 15 Jul 2025

HDBFS Q4 FY25 Earnings Call Transcript & Analysis

Profit after tax₹568 crROE13.16%NIM7.7%

Profit after tax ₹568 cr; ROE (annualized) 13.16%; NIM 7.7% (+0% YoY). Total Gross Loans grew 14.3% YoY to ₹109,342 crores.

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