HDB Financial Services Limited — PPTs, 15-07-2026: Investor Presentation

HDB Financial Services (HDBFS) posted impressive Q1 FY27 financial results. Profit after Tax (PAT) surged 38.3% year-on-year to ₹785 Cr. The gross loan book grew a healthy 11.4% YoY, reaching ₹1,21,846 Cr. Net Interest Income (NII) was up 19.9% YoY at ₹2,509 Cr, with Net Interest Margin (NIM) expanding to 8.35%. The customer base saw strong growth, increasing 18.6% YoY to 23.9 million.

Key growth drivers include a strong focus on digital transformation through its 'Shikhar' AI initiative, aiming to boost sales productivity, enhance customer experience, and reduce credit costs across onboarding, servicing, and collections. HDBFS is also actively expanding its presence in Tier-2+ markets, with a significant 71% of its 1,710 branches now located in Tier 4+ towns.

Recent developments show improved asset quality, with Gross Non-Performing Assets (NPA) reducing to 2.34% from 2.56% YoY. The company maintains a diversified, granular loan book, with secured loans making up 74%.

HDBFS stands well-capitalized with a Capital to Risk-weighted Assets Ratio (CRAR) of 21.29%. The outlook emphasizes prudent and resilient growth, leveraging digital innovation and a broad pan-India network to serve aspirational India.