India’s Largest Private Sector Bank Reports Q4FY26 Results: PAT Grows 9.1% YoY; Board Approves Rs 60,000 Crore Fundraise and Dividend of Rs 13 per Equity Share

DSIJ Intelligence/ 20 Apr 2026 /Categories: Mindshare, Trending

India’s Largest Private Sector Bank Reports Q4FY26 Results: PAT Grows 9.1% YoY; Board Approves Rs 60,000 Crore Fundraise and Dividend of Rs 13 per Equity Share

HDFC Bank reports 5 per cent YoY growth in net revenue in Q4 with stable margins; deposits and advances record double-digit growth

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On Friday, Bank-ltd-100180">HDFC Bank reported its Q4FY26 and FY26 standalone financial results, along with Dividend and capital allocation updates.

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HDFC Bank Q4FY26 Results: QoQ and YoY Performance

On a QoQ basis, net revenue increased by 0.9 per cent to Rs 46,280 crore in Q4FY26 from Rs 45,870 crore in Q3FY26. Net interest income (NII) rose by 1.4 per cent to Rs 33,080 crore from Rs 32,620 crore in the previous quarter, while non-interest income declined marginally by 0.4 per cent to Rs 13,200 crore from Rs 13,250 crore. Operating expenses decreased by 1.6 per cent to Rs 18,480 crore from Rs 18,770 crore. Provisions declined by 8.1 per cent to Rs 2,610 crore compared to Rs 2,840 crore in Q3FY26.

Profit before Tax (PBT) increased by 3.8 per cent to Rs 25,190 crore from Rs 24,260 crore, while profit after tax (PAT) rose by 3.1 per cent to Rs 19,220 crore from Rs 18,650 crore in the previous quarter.

On a YoY basis, net revenue increased by 5.0 per cent to Rs 46,280 crore in Q4FY26 from Rs 44,090 crore in Q4FY25. Net interest income (NII) rose by 3.2 per cent to Rs 33,080 crore, compared to Rs 32,070 crore in the corresponding quarter last year. Other income stood at Rs 13,200 crore, supported by fee income of Rs 9,220 crore along with contributions from the treasury and miscellaneous income.

Profit before tax (PBT) for the quarter came at Rs 25,190 crore, while profit after tax (PAT) stood at Rs 19,220 crore, registering a growth of 9.1 per cent YoY from Rs 17,620 crore.

HDFC Bank FY26 Annual Financial Performance

For the full financial year FY26, net revenue increased to Rs 1,91,220 crore from Rs 1,68,300 crore in FY25, reflecting a growth of approximately 13.6 per cent. Profit after tax stood at Rs 74,670 crore, compared to Rs 67,350 crore in FY25, marking a growth of 10.9 per cent YoY.

Balance Sheet and Key Ratios

The bank’s total balance sheet size increased to Rs 43,64,900 crore as of March 31, 2026, compared to Rs 39,10,200 crore in March 2025, reflecting a YoY growth of around 11.6 per cent. Total deposits stood at Rs 31,05,300 crore, registering a growth of 14.4 per cent YoY from Rs 27,14,700 crore.

Advances stood at Rs 29,60,000 crore, marking a YoY growth of 12.0 per cent from Rs 26,43,500 crore, driven by growth across retail, SME, and corporate segments. The bank maintained a strong capital position, with the Capital Adequacy Ratio (CAR) at 19.7 per cent, Tier 1 ratio at 17.7 per cent, and CET1 ratio at 17.3 per cent.

Dividend Announcement and Fund-Raising Plan

The board recommended a final dividend of Rs 13 per equity share of face value Rs 1 each for FY26, subject to shareholder approval at the upcoming Annual General Meeting. Including the interim dividend of Rs 2.5 per share paid earlier during the year, the total dividend for FY26 stands at Rs 15.5 per share.

Additionally, the board approved a fund-raising plan of up to Rs 60,000 crore through a mix of Perpetual Debt Instruments (AT1), Tier II capital bonds and long-term bonds, to be raised via private placement over the next 12 months, subject to regulatory and shareholder approvals.