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HDFC Bank Q4 Results Review: Steady; Growth Trajectory Set To Accelerate — Motilal Oswal Maintains 'Buy'
Motilal Oswal raises its earnings by 3%/5% for FY26E/27E and estimate HDFC Bank to deliver an FY27E RoA/RoE of 1.9%/14.6%, hence reiterates Buy with a target price of Rs 2,200
21 Apr 2025, 10:29 AM IST 
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In terms of branches, HDFC Bank is doing 2x what it was doing five years ago.
(Photographer: Vijay Sartape/NDTV Profit)
HDFC Bank reported a Q4 FY25 net profit of Rs 176.2 billion (7% YoY growth; in line). The bank’s NII grew 10.3% YoY to Rs 320.6 billion (5% beat), boosted by strong loan growth and Rs 7 billion of interest on IT refunds. Core NIM expanded 3bp QoQ to 3.46% in Q4 from 3.43% in Q3 FY25.
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