Winning Bizness Desk

Mumbai. HDFC Bank has announced a 7% year-on-year increase in net profit for the fourth quarter of FY25, reaching ₹17,616 crore. This growth comes despite a slight 0.17% decline in total revenue, which stood at ₹89,488 crore for the January to March 2025 period. The bank's expenditure on salaries, utilities, and deposits amounted to ₹62,951 crore during this quarter.

Dividend Declaration and Shareholder Returns

In a move to reward its shareholders, HDFC Bank has declared a dividend of ₹22 per equity share for FY25. This decision reflects the bank's commitment to sharing profits with its investors, even as it navigates a marginal dip in overall revenue.

Understanding Non-Performing Assets (NPAs)

Non-Performing Assets (NPAs) are loans where the borrower has failed to make scheduled payments for a specified period. As per the Reserve Bank of India (RBI) guidelines, a loan is classified as an NPA if repayments are overdue for more than 90 days. Such assets pose a risk to the bank's financial health, as they may lead to potential losses.

Stock Performance Overview

HDFC Bank's stock closed at ₹1,905.80 on April 17, 2025, marking a 1.48% increase. Over the past month, the stock has appreciated by 9.27%, with a 10.24% rise over six months and a substantial 24.46% gain over the past year. Since the beginning of 2025, the stock has climbed by 6.90%, indicating strong investor confidence.

Branch Expansion and Future Plans

As of April 2025, HDFC Bank operates over 9,092 branches and 20,993 ATMs across India. The bank has ambitious plans to expand its branch network to 13,000 within the next 3 to 5 years, aiming to enhance its presence, particularly in semi-urban and rural areas. This strategic expansion is intended to bolster deposit growth and customer outreach.