HDB Financial Services (HDBFS) Q4 21/22 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 21/22 earnings summary
15 Oct, 2026Executive summary
FY22 revenue from operations was ₹11,306.29 crore vs ₹10,944.78 crore; PAT rose to ₹1,011.40 crore from ₹391.47 crore.
Disbursements increased to ₹29,033 crore from ₹24,990 crore, while AUM was ₹61,444 crore vs ₹61,561 crore.
Financial highlights
PBT was ₹1,347.56 crore vs ₹500.71 crore; PAT was ₹1,011.40 crore vs ₹391.47 crore.
Finance costs fell to ₹3,325.50 crore from ₹3,882.93 crore; impairment expense fell to ₹2,465.73 crore from ₹3,068.77 crore.
Employee benefits expense increased to ₹3,500.41 crore from ₹2,955.59 crore; other expenses rose to ₹568.15 crore from ₹428.99 crore.
Outlook and guidance
FY23 outlook anticipated sustained economic recovery and gradual NBFC business growth, supported by normalized activity, digital lending and broader customer engagement.
New business momentum was expected to improve, while asset quality could remain challenging for some NBFCs in H1 FY23, depending partly on restructured-book performance.
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