HDFC Bank Share Price

Established in: 1994

Managing director: Sashidhar Jagdishan

HDFC Bank Ltd was incorporated on 30 August 1994, in Mumbai, Maharashtra, as a public limited company. It was promoted by the Housing Development Finance Corporation (HDFC Group), which was a prominent housing finance company in India.

The bank received its banking licence from the RBI in 1995 and started its operations as a scheduled commercial bank in January 1995.

HDFC Bank was established at the time of India’s economic liberalisation, privatization and globalisation era, which began in 1991. After liberalisation, the government opened the banking sector to private players for the first time, and HDFC Bank was among the first batch of private banks to receive the RBI’s approval.

Between 1995 and 2000, the bank expanded its retail banking network and operations across key metropolitan cities. It followed the technology driven-approch to provide fast services to its customers. Due to this, it gained the trust and gave tough competition to the existing private sector banks.

In 1996, HDFC Bank launched its IPO and got listed on the BSE and NSE. The IPO was oversubscribed multiple times, which shows the confidence of investors in the future of the bank. Later, in 2001, the bank’s ADS were listed on the New York Stock Exchange, which gave access to global investors to invest in its shares.

Over the years, HDFC Bank has also diversified into various financial sectors like insurance, mutual funds, asset management and capital market instruments, through its subsidiaries.

Its major subsidiaries include HDB Financial Services Limited, HDFC Life Insurance Company Ltd, HDFC ERGO General Insurance Company Ltd, HDFC Asset Management Company Ltd and HDFC Securities Ltd.

Business Segments of HDFC Bank Ltd

The HDFC Bank operates in multiple segments to serve its retail and corporate clients:

1. Retail Banking: It is the largest revenue-generating segment of the bank, which provides services to retail customers. It includes a savings account, a personal loan, an auto loan, credit cards, fixed deposits and a wealth management service. After the merger of HDFC Ltd with the bank, home loans also became a part of the retail segment.

2. Wholesale and Corporate Banking: This segment deals with corporates, PSUs, and multinational corporations. It offers working capital loans, term loans, trade finance and cash management solutions.

3. Commercial and Rural Banking: This segment focused on MSMEs and rural customers. It supports small businesses and promotes financial inclusion across semi-urban and rural areas of the country.

4. Treasury Operations: This segment manages the foreign exchange, investment, derivatives and liquidity, helping the bank to balance the risk and returns efficiently.

Branch Network and Presence

HDFC Bank has one of the widest banking networks across the country. As of September 30, 2025, HDFC Bank had a distribution network of 9,545 branches and 21,417 ATMs across cities, towns and villages.

The bank has ensured a strong reach beyond metro cities, making banking accessible to every common citizen of the country.

Internationally, HDFC Bank has branches in global financial hubs such as Dubai, Bahrain, and Hong Kong, along with an IFSC banking unit in GIFT City, Gujarat.

HDFC Bank Ltd - Milestones and Acquisitions

• HDFC Bank has grown organically through strategic acquisitions, which expanded the scale of business and capabilities.
• In 2000, The Times Bank Limited merged with HDFC Bank. Times Bank is one of new age private sector banks promoted by The Times Group. It was the first friendly merger and first share-swap deal between two private banks in India.
• In 2008, a merger with Centurion Bank of Punjab. This merger helps HDFC Bank to expand its branch presence by adding 394 branches. This combined entity became one of the largest private sector banks in India.
• Between 2010 and 2015, the bank took steps to aggressively expand into Tier-2, Tier-3 cities and rural areas to align with the RBI’s financial inclusion mandate.
• In 2023, HDFC Bank amalgamated with its parent company, HDFC Ltd. This is one most important events in the history of HDFC Bank. Due to this merger, it became Asia’s largest bank by assets.

Technology and Digital Banking

HDFC Bank has always been at the forefront of banking technology. It invests in technology to provide a better banking experience, digital product development and fintech partnerships.

The bank has launched its ‘Digital 2.0’ initiative, focusing on cloud infrastructure, API banking, and open banking ecosystems.

It introduces SmartHub Vyapar, an all-in-one merchant app for small businesses, combining payments, credit and banking services.

HDFC Sky: Its a investment platform from which anyone can invest in equities, mutual funds and derivatives.

It also introduces Electronic Virtual Assistant (EVA), an AI-powered chatbot for handling the routine customer queries.

HDFC Bank has partnered with many fintech companies through its “Digital Innovation Submit and accelerator programmes.

Awards, Recognition and Ranking

The HDFC Bank has been recognised by many prominent industry bodies, rating agencies and global publications:

• It ranked as India’s Most Valuable Brand multiple times by BrandFinance.
• Recognised as India’s Best Bank by Euromoney, Finance Asia, and Global Finance.
• Consistently rated AAA by CRISIL, ICRA, and CARE ratings.
• Included in the S&P Global Sustainability Index for its ESG performance.
• It also received an award for digital innovation and customer service excellence by the Indian Banks Association.

HDFC Bank Ltd Financial Performance (FY25 vs FY24)

Revenue: HDFC Bank reported a consolidated revenue of ₹4,70,915.93 crore in FY25 vs ₹4,07,994.77 crore in FY24. It showed an increase of 15.42% on a yearly basis, reflecting decent revenue growth.

Operating Profit: The company reported an operating profit of ₹96,242.05 crore in FY25 vs ₹76,568.60 crore in FY24. It showed an increase of 25.69% on a year-on-year basis, indicating that the company continues to earn well after deducting direct costs and operating expenses.

Net Profit: HDFC Bank Limited reported a net profit of ₹73,440.17 crore in FY25 compared to ₹65,446.50 crore in FY24. It showed an increase of 12.21% on a yearly basis, indicating mild positive performance.

HDFC Bank Financial Highlights

• Revenue: HDFC Bank reported revenue of ₹4,95,462.81 crore in FY26 vs ₹4,70,915.93 crore in FY25. It showed an increase of 5.21% on a yearly basis.
• Operating Profit: HDFC Bank reported an operating profit of ₹1,02,141.45 crore in FY26 vs ₹96,242.05 crore in FY25. It showed an increase of 6.13% on a year-on-year basis.
• Net Profit: HDFC Bank reported a net profit of ₹79,219.46 crore in FY26 vs ₹73,440.17 crore in FY25. It showed an increase of 7.87% on a yearly basis.

HDFC Bank Quarterly Result Highlights

• HDFC Bank reported revenue of ₹1,33,110.36 crore in Jun 2026, compared with ₹1,16,919.94 crore in Mar 2026, representing an increase of 13.85% on a quarter-on-quarter (QoQ) basis.
• HDFC Bank reported an operating profit of ₹27,193.16 crore in Jun 2026, compared with ₹27,671.63 crore in Mar 2026, representing a decrease of 1.73% on a quarter-on-quarter (QoQ) basis.
• HDFC Bank reported a profit of ₹20,382.69 crore in Jun 2026, compared with ₹21,074.22 crore in Mar 2026, reflecting a decrease of 3.28% on a QoQ basis.
• The earnings per share (EPS) of HDFC Bank stood at ₹49.50 during Jun 2026.