HDFC Bank Limited — Investor Meet, 23-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

HDFC Bank management is optimistic about Q3 FY26 results, highlighting strong credit growth and "best-in-class" asset quality. The bank expects its Loan-to-Deposit Ratio (LDR) to trend downwards, targeting 85-90% by FY27, driven by a renewed focus on granular retail deposits and cross-selling products. While Q3 deposit growth was tactical, individual retail segments showed solid double-digit growth. An RBI inspection led to a ~₹500 Cr provision, absorbed in Q3. Management aims to outpace system loan growth in FY27, acknowledging competitive pricing in mortgages and auto loans but maintaining a relationship-led approach over aggressive pricing. Overall sentiment is confident with a clear growth runway ahead.