HDFC Bank, reporting on Saturday, said its consolidated net profit for the September quarter rose 5.55 percent to Rs. 20,700 crore, while in the same period last year it was Rs. 19,611 crores. According to an exchange filing, the country’s largest private sector bank’s standalone net profit rose 4.7 percent to Rs. 19,510 crores. The total income of the bank a year ago was Rs. 91,040 crore to Rs. 97,258 crores and the total expenditure was Rs. 63,117 crores to Rs. 67,774 crores.

Improvement in Gross NPA ratio

The amount set aside for provisions and contingencies in the same period last year was Rs. 3,500 crore to Rs. 3,573.62 crores. The bank said profit after tax excluding treasury operations grew by 12.6 percent year-on-year. The gross non-performing assets (NPA) ratio has improved. It has come down to 1.11 percent from 1.17 percent a quarter ago and 1.24 percent in the same period last year. Total capital adequacy stood at 18.9 percent as of September 30, 2026, up from 20 percent a year ago. HDFC Bank’s total balance sheet size as on September 30, 2026 is Rs. 45.78 lakh crore, while by September 30, 2025, it will be Rs. 40.03 lakh crore was.

Average deposits figures

Bank’s average deposits grew by 16.8% yoy in the September 2026 quarter to Rs. 31.66 lakh crore, compared to Rs. 27.11 lakh crores. Compared to the previous quarter (June 2026), average deposits increased by 5.1%, after which Rs. 30.12 lakh crores. HDFC Bank’s average current account and savings account (CASA) deposits rose 10.7% year-on-year to Rs. 9.71 lakh crore, which was Rs. 8.77 lakh crores. Compared to the previous quarter (June 2026), average CASA deposits increased by 1.5%, after which Rs. 9.57 lakh crores.

For the quarter ended September 2026, the bank’s average advances under management — which includes inter-bank participation certificates, re-discounting of bills and transfers made through securitization/assignment — touched Rs 31.87 lakh crore. In the September 2025 quarter, Rs. 27.95 lakh crore this is a growth of 14.1 percent year-on-year and in the June 2026 quarter to Rs. 30.39 lakh crore is a growth of 4.9 percent.