HDFC Bank Q4 FY25 Results: Profit Surges 7%, NII Beats Expectations

Mumbai, April 19, 2025:
HDFC Bank, India’s largest private sector lender, has reported a strong set of earnings for the fourth quarter of FY25, outperforming market expectations on all key metrics. The results reflect solid operational performance, with both net profit and net interest income (NII) showing significant growth.

Key Financial Highlights – Q4 FY25

• Net Profit: Rises nearly 7% year-on-year
• Net Interest Income (NII): Grows over 10% YoY

These figures exceeded analyst estimates. According to a CNBC-TV18 poll, NII was projected to increase by 5.8%, while profit after tax (PAT) was expected to rise by 3.3%.

Asset Quality Shows Improvement

HDFC Bank also reported an improvement in its asset quality, further strengthening investor confidence:

• Gross NPA: Reduced to 1.33%, down from 1.42% in Q3
• Net NPA: Declined to 0.43%, from 0.46% in the previous quarter

Dividend Announcement

The bank’s board has proposed a final dividend of ₹22 per share for FY25, reflecting strong earnings and a commitment to shareholder value.

Conclusion

With better-than-expected earnings and improving asset quality, HDFC Bank has delivered a robust performance in the January–March 2025 quarter. The results signal strong growth momentum and reinforce the bank’s position as a leader in India’s banking sector.