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# India's HDFC Bank posts Q1 FY27 net profit of ₹191 billion with RoA of 1.85%
- URL: https://www.theglobalbanker.com/hdfc-bank-q1-fy27-net-profit-191-billion-roa-1-85/
- Published: 2026-07-18T09:22:00.000Z
- Updated: 2026-10-02T00:30:50.000Z
- Description: HDFC Bank reported Q1 FY27 profit after tax of ₹191 billion, return on assets of 1.85% and average deposit growth of 13.3% year on year.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

HDFC Bank, India's largest private-sector lender by assets, reported a profit after tax of ₹191 billion for the quarter ended 30 June 2026, with standalone earnings per share of ₹12.4, the bank said in its Q1 FY27 earnings presentation published on Saturday. Return on assets came in at 1.85% and return on equity at 13.8%.

Average deposits climbed to ₹30,115 billion, an increase of 13.3% from a year earlier. Net interest margin was reported at 3.26% for the quarter, lower than in earlier periods, with margins remaining under pressure.

#### MARGIN PRESSURE, COST DISCIPLINE

The 3.26% net interest margin shows that margin pressure persisted in the quarter, with profit after tax rising only 5% year on year. CASA deposits rose 11.2% year on year, while gross advances grew 15.4%.

The core cost-to-income ratio was 39.2%. 

Provisions fell 79% year on year to ₹30.6 billion, while profit before tax rose 17.9%. 

#### ASSET QUALITY AND CAPITAL BUFFERS

Gross non-performing assets were 1.17% of gross advances, up from 1.15% at the end of March but down from 1.40% a year earlier, while net NPAs rose to 0.41% from 0.38%. The credit cost ratio was 0.40%.

The total capital adequacy ratio was 19.6%, against a regulatory requirement of 11.9%, and Common Equity Tier 1 was 17.4%. 

Net interest income rose 6.7% year on year to ₹335 billion.