HDFC Bank Share For Long Term Investment

HDFC Bank is India’s largest private sector bank by assets and market capitalization, headquartered in Mumbai. Established in 1994, it offers a comprehensive range of financial products and services—including retail and corporate banking, loans, payments, and wealth management—to over 92 million customers across the country. As of March 2025, HDFC Bank operates 9,455 branches and 21,139 ATMs in 4,150 cities and towns, with more than half its branches in semi-urban and rural areas. The 2023 merger with HDFC Ltd. further strengthened its leadership in housing finance and expanded its reach in both urban and rural India. The bank also maintains an international presence with branches and representative offices in key global financial centers.

Company Insights
The company has a market capitalization of 15,03,294 crores
The share price of the company is 1,960
The book value of the company is 677
The company's debt-to-equity ratio is 6.46
The company's annual dividend yield is 1.13%
The company's stock P/E is 21.3
The earnings per share are 92.5
The company's ROCE is 7.51%

Financial Report
The company's sales in the last 5 years
Sales in 2021 is 1,28,552 crores
Sales in 2022 is 1,35,936 crores
Sales in 2023 is 1,70,754 crores
Sales in 2024 is 2,83,649 crores
Sales in 2025 is 3,36,367 crores

The company's profit in the last 5 years
Profit in 2021 is 31,857 crores
Profit in 2022 is 38,151 crores
Profit in 2023 is 46,149 crores
Profit in 2024 is 65,446 crores
Profit in 2025 is 73,440 crores

Sales & Profit Growth
The company's sales growth in the last 5 years
Sales growth in the last 5 years is 22.4%
Sales growth in the last 3 years is 35.3%
Sales growth in the last 1 year is 18.6%

The company's profit growth in the last 5 years
Profit growth in the last 5 years is 21.0%
Profit growth in the last 3 years is 23.0%
Profit growth in the last 1 year is 10.8%

Holdings
Promoters are 0.00%
FIIs are 48.30%
DIIs are 35.68%
Government are 0.18%
Public are 15.84%

Company News

• Starting July 1, 2025, the bank will charge a 1% fee on credit card payments for utility bills above certain limits, with a maximum fee of ₹4,999. Similar charges will apply to rent, fuel, and education payments, but insurance payments will stay free of fees. There will also be limits on reward points for some card types.

• HDFC Bank’s finance company, HDB Financial Services, is planning to raise ₹12,500 crore through an IPO from June 25 to June 27. This includes ₹2,500 crore of new shares and ₹10,000 crore of shares sold by HDFC Bank. The IPO is getting a lot of interest, and experts expect the stock to list at a price higher than the IPO price. The money raised will help HDB Financial grow its lending business.

• In the third quarter of 2024-25, HDFC Bank’s profit went up by 2.3% to ₹17,657 crore, helped by steady interest income and 6.6% growth in loans. Other income from fees and commissions also increased by 2.8%.

• The bank’s board will meet on July 19, 2025, to approve the financial results for the quarter ending June 30.

Technical Analysis

Company Chart

Moving Averages (MA)

• The stock price is above the 50-MA, which indicates that it may continue to rise.

• The stock price is above the 200-MA, which also indicates that it may continue to rise.

Relative Strength Index (RSI)

Currently, the RSI of the company is 56, which indicates that the stock is neither overbought nor oversold.

My Analysis

HDFC Bank’s Q4 FY25 results demonstrated strong growth, with net profit increasing 6.7% year-on-year to ₹17,616 crore, surpassing expectations. Net interest income rose 10.3% to ₹32,070 crore, driven by healthy deposit growth of 14.1% and improved asset quality, as gross NPAs declined to 1.33%. The bank maintained a solid capital adequacy ratio of 19.6% and focused on expanding deposits more than loans, reflecting a cautious lending approach. Although net interest margins dipped slightly, this was expected, with a planned recovery in FY26 supported by growth in retail and commercial real estate lending. Overall, HDFC Bank remains financially strong with steady growth and stable asset quality amid a challenging market.