HDFC Bank will show a moderate performance in Q4FY25 because analysts predict that profit and net interest income (NII) will grow at single-digit rates while loan growth remains slow and margins remain tight. The largest private sector lender in India has scheduled its quarterly results release for April 19, 2025.
Brokerage estimates indicate that HDFC Bank will achieve NII growth of 7.3% YoY to ₹31,200 crore while net profit will increase 3.3% to ₹17,072 crore. The slow growth rate results from poor credit demand combined with elevated funding costs that reduce profit margins.
The analysts predict that asset quality will stay stable because Kisan Credit Card segment slippages have decreased. The bank’s net non-performing asset ratio will be approximately 0.47% which shows a slight improvement from the previous quarter.
The bank’s net interest margins (NIMs) are expected to hold steady at 3.5% because of ongoing cost pressures. The banking sector shows a low loan growth rate which is expected to increase by 3.4% YoY to ₹25.6 lakh crore.
The investor community will monitor the bank’s credit-to-deposit ratio and future outlook following its merger with HDFC Ltd. HDFC Bank shares increased by 3% during the January–March quarter while surpassing the Nifty 50 performance despite facing difficulties.
