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Visual21 Nov 2025
Data center suppliers
HDB Financial Services (HDBFS) investor relations material
HDB Financial Services Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary15 Oct, 2025
Executive summary
Domestic economic activity in India remains resilient, supporting growth despite geopolitical uncertainties.
Gross loans reached ₹1,11,409 crore as of September 30, 2025, up 1.9% sequentially and 13% year-over-year.
Net interest income for Q2FY26 was ₹2,192 crore, up 4.8% sequentially and 19.6% year-over-year.
Customer base grew to 21 million, up 4.2% during the quarter and 19.6% year-over-year.
Unaudited standalone financial results for the quarter and half year ended September 30, 2025, were approved with an unmodified opinion.
Financial highlights
Net interest margin for Q2FY26 was 7.9%, up from 7.7% in Q1FY26.
Cost-to-income ratio improved to 40.7% in Q2FY26 from 42.7% in Q1FY26.
Profit after tax for Q2FY26 was ₹581 crore, a 1.6% decrease year-over-year.
Total revenue from operations for Q2 FY26 was Rs.45,454 million, up from Rs.40,068 million in Q2 FY25.
Gross Stage 3 ratio at 2.81%; Stage 3 provision coverage at 54.73%.
Outlook and guidance
Management expects positive momentum in book growth with the festive season and recent GST rate cuts.
Medium-term guidance targets 18%-20% CAGR book growth over three to five years, with credit cost expected to moderate to around 2.2%.
Proceeds from the IPO are being used to augment the capital base for future business requirements and onward lending.
Focus remains on expanding in tier-2 and beyond markets, maintaining asset quality, and leveraging digital platforms for growth.
What drives credit cost reduction to 2.2% target?
Which segments will drive 18-20% CAGR growth?
Impact of 'forms of business' circular on HDB?
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Next HDB Financial Services earnings date
Q3 25/2612 Jan, 2026
Next HDB Financial Services earnings date
Q3 25/2612 Jan, 2026
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