Strong Recovery - Business Outrank

HDFC Bank has made a remarkable recovery in the market with its market capitalisation reaching ₹14.69 trillion ($176.28 billion) which is just behind Goldman Sachs at ₹14.93 trillion ($179.16 billion). This increase is due to the fact that HDFC shares recovered from a 52-week low of ₹1,426.80 in April 2024 and are now trading close to ₹2,000 as of April 2025. The stock has increased by more than 34% in the last year due to good financial performance, improved investor confidence and good balance sheet management. IIFL Finance analysts have identified these factors as the main reasons for the rally while Nuvama Wealth has pointed out that the bank has managed to overcome post-merger deposit challenges. After the 2023 merger with HDFC Ltd, HDFC Bank’s loan-to-deposit ratio rose to 104% by March 2024 which put pressure on the bank to increase its deposits. However, by March 2025, it had reduced this ratio to 96.5% through strategic moves such as reducing interest rates and increasing focus on deposit mobilization. The bank is now planning to achieve a loan-to-deposit ratio of 85–90% by FY27. NIMs (net interest margins) are expected to stabilize at 3.5–3.6% as high-cost borrowings are gradually replaced and the loan mix shifts towards retail assets. Although there are structural differences between Goldman Sachs and HDFC, the latter’s close market cap comparison shows that it is a global player. Goldman Sachs has even issued a ‘BUY’ rating for HDFC Bank, expecting that its share price may soon cross ₹2,000, driven by improving financials and easing regulations.

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