HDFC Bank reported standalone net profit of ₹19,510 crore for the quarter ended 30 September 2026, up 4.7% from a year earlier, according to an ANI report in The Tribune. The bank filed its results with the stock exchanges on Saturday 17 October 2026. Some outlets give a slightly different profit figure, and this summary follows the figure in the bank's own filing summary of ₹195.1 billion.
Income and margins
Net interest income was ₹34,620 crore, up 9.7% from ₹31,550 crore. Net revenue was ₹48,450 crore against ₹45,900 crore. Fee and commission income was ₹9,690 crore against ₹8,840 crore. The bank gave its net interest margin as 3.16% on total assets and 3.32% on interest-earning assets.
Treasury gains
Treasury trading gains were ₹780 crore, down 67% from ₹2,390 crore a year earlier. The bank said profit after tax excluding treasury gains grew about 12.6% on the year.
Costs and provisions
Operating expenses were ₹18,970 crore, and provisions and contingencies were ₹3,570 crore.
Asset quality and balance sheet
Gross NPAs were 1.11% of gross advances at 30 September 2026, against 1.17% in the previous quarter and 1.24% a year earlier. Net NPAs were 0.37%. Total deposits were ₹33.27 lakh crore, up 18.8%, and gross advances were ₹32.20 lakh crore, up 16.3%. The report gives only standalone figures and no dividend or share price move.
Key numbers
- Net profit: ₹19,510 cr (+4.7% YoY)
- Net interest income: ₹34,620 cr (+9.7% YoY)
- Treasury gains: ₹780 cr (−67% YoY)
- Gross NPA: 1.11% (From 1.24% a year ago)
What boards and CFOs should note
Three points stand out for finance teams. First, headline profit grew 4.7% while profit excluding treasury gains grew about 12.6%, so the fall in treasury income explains much of the gap. Second, deposits grew faster than advances, at 18.8% against 16.3%. Third, gross NPAs improved on both the quarter and the year, from 1.17% and 1.24% to 1.11%.
Source: The Tribune (ANI), 17 October 2026. This is a summary of a news report, published as general information. It is not legal, tax or investment advice.
This article is journalism and commentary. It is not a recommendation to buy or sell any security, and it is not professional advice. Read the full disclaimer.
