HDB Financial Services Limited — PPTs, 15-04-2026: Investor Presentation

HDB Financial Services rocked Q4 FY26! Net Interest Income jumped 21.6% YoY to ₹2,399 Cr, while Profit After Tax (PAT) surged 41.4% to ₹751 Cr. For the full year, PAT grew a solid 16.9% to ₹2,544 Cr. The gross loan book expanded 10.9% YoY, hitting ₹1,18,493 Cr, with secured loans forming 74%. Customer base expanded by 19.7% YoY to 22.9 million.

Growth is driven by focusing on underserved customers and expanding vigorously into Tier-2+ markets, with 71% of branches now in Tier 4+ towns. A major recent win: AI-powered bots are boosting early bucket collections, improving efficiency by 25 basis points in Q4. Asset quality remains strong with Gross NPA at 2.44% and Net NPA at 1.09%. RoA hit 2.48% and RoE 14.83%. Management is prioritizing prudent, resilient growth backed by digital transformation.