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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Housing Development Finance
Housing Development Finance (HDFC) investor relations material
Housing Development Finance has been acquired by HDFC Bank Limited
Housing Development Finance Q4 22/23 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 22/23 earnings summary4 May, 2023
Executive summary
FY23 standalone net profit rose 18% YoY to ₹16,239 crore; consolidated profit attributable to shareholders increased 16% to ₹26,161 crore.
Merger with HDFC Bank advanced through shareholder and NCLT approval; effectiveness remained subject to outstanding subsidiary approvals and ROC filings.
Financial highlights
Standalone total income was ₹60,224 crore vs ₹47,990 crore; PBT reached ₹20,014 crore vs ₹17,246 crore, up 16% YoY.
Standalone NII rose 12% to ₹19,248 crore; dividend income increased to ₹2,735 crore from ₹1,511 crore.
Consolidated revenue was ₹152,998 crore vs ₹135,968 crore; PAT was ₹27,700 crore vs ₹24,042 crore, and total comprehensive income was ₹25,979 crore.
Adjusted cost-to-income ratio was 9.2%, excluding ESOS, CSR and ₹71 crore of one-time merger costs; HDFC Capital share sale generated a ₹184 crore pretax gain.
Outlook and guidance
Strong home-loan demand, rising incomes, urbanisation and fiscal incentives support a multi-year housing-finance opportunity; no formal earnings guidance was stated.
Integration planning with HDFC Bank continued, with cross-functional workstreams preparing for transition and pursuing business and distribution synergies.
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Latest events from Housing Development Finance
- PAT rose 18% as individual housing loans drove growth and provisions strengthened buffers.HDFC
Q4 15/16 - Standalone PAT grew 18%, while consolidated PAT attributable to shareholders rose 22%.HDFCQ4 12/13
- Adjusted PBT rose 11% as AUM grew 16%, with affordable housing central to growth.HDFCQ4 16/17
- PAT grew 17% as lending expanded, with strong asset quality offset by higher funding costs.HDFCQ4 11/12
- Standalone PAT grew 12%, with individual home loans driving growth amid economic weakness.HDFCQ4 13/14
- Adjusted PAT grew 17% as the loan book expanded 20%, despite housing affordability risks.HDFCQ4 14/15
- Adjusted PBT rose 12%; COVID-19 drove caution on credit and capital.HDFCQ4 19/20
- AUM grew 18% as adjusted PBT rose 13% and ₹13,000 crore of equity was raised.HDFCQ4 17/18
- Retail-led loan growth offset tighter liquidity and corporate-sector stress.HDFCQ4 18/19
- Home lending recovered, but one-off comparisons and pandemic risks clouded reported earnings.HDFCQ4 20/21
Housing Development Finance
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Frequently asked questions
Housing Development Finance Corporation Limited is an Indian financial services company primarily engaged in providing housing finance to individuals and developers. It also operates in areas such as asset management, life insurance, and general banking through its subsidiaries. The company supports both retail and corporate customers in housing and real estate financing. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.