HDB Financial Services Limited — PPTs, 15-10-2025: Investor Presentation

HDB Financial Services reported a mixed Q2 FY26. Total gross loans grew a healthy 13.0% year-on-year (YoY) to ₹1,11,409 crore, with Net Interest Income (NII) surging 19.6% YoY to ₹2,192 crore. However, Profit After Tax (PAT) for the quarter dipped slightly by 1.6% YoY to ₹581 crore. Asset quality showed some stress, with Gross NPA (Stage 3) rising to 2.81% from 2.10% a year ago.

The company continues its strategy of serving aspirational India, expanding its customer base to 21.0 million, a 19.6% YoY increase. Its extensive network of 1,749 branches, with 71% in Tier 4+ towns, drives this reach. HDBFS leverages technology for efficient operations and an enhanced customer experience. Key financial metrics include an annualized Return on Assets of 1.9% and Return on Equity of 12.2%, with Earnings Per Share at ₹7.0. The company remains well-capitalized with a total CRAR of 21.82%.