HDFC Bank Limited — Investor Meet, 25-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

HDFC Bank Q1 FY26 Earnings Call: Average deposits grew 16% YoY; loan growth improved to 8% in Q1. Asset quality remains strong with stable retail GNPA (ex-agri) at 82 bps. Management expects loan growth to align with system in FY26, exceeding it in FY27, driven by improving rural & festive urban demand. Bank prioritised deposit growth to reduce Credit-Deposit ratio to 95%, now focusing on CASA. Interim dividend of INR 5 per share declared, plus 1:1 bonus share issue. Tone is confident, eyeing strategic acceleration & customer experience.