HDB Financial Services Limited — Investor Meet, 20-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

HDB Financial Services reported a robust Q1 FY27 with Profit after Tax hitting a record ₹785 Cr (+38.3%). Gross Loan Book grew to ₹1,21,846 Cr (+11.3%), with strong disbursements of ₹17,629 Cr (+16.2%). Asset quality improved, with Gross Stage 3 at 2.34%.

Consumer Finance saw strong growth (+21%), notably consumer durables (+50%) via extensive distribution. Enterprise Lending grew, with gold loans doubling. Asset Finance is expected to accelerate from Q2 after strategic product focus for better risk-adjusted returns. Management is confident in operational efficiency and growth, backed by AI initiatives like 'Shikhar' for customer lifecycle management. Macro risks like El Nino are being monitored.