HDFC Bank Q1 Results 2025: HDFC Bank is the most popular private bank in India. This bank provides its services in every corner of the city and even in villages. HDFC Bank’s April to June 2025 Q1 results have come out. HDFC Bank has made 12% more profit in quarter one this year compared to quarter one of last year. Apart from this, the bank has announced 1:1 bonus shares and Rs 5 dividend.
Key Highlights
| Net Profit | ₹18,155 crore |
| Net Interest Income (NII) | ₹31,438 crore |
| Gross Non-Performing Asset (NPA) | 1.40% |
| Net Non-Performing Asset (NPA) | 0.47% |
| Bonus Share | 1:1 |
| Dividend | ₹5 per share |
HDFC Bank Profit Rises Explained
HDFC Bank’s profit in Q1 last year was 16,175 crores, and this year’s Q1 profit is 18,155 crores, i.e., 12 percent more. Normally, the reason for the increase in the bank’s profit is that the bank gave more and more loans, apart from this, the bank improved its digital service, and the bank’s business expanded day by day.
HDFC Bank Net Interest Income (NII)
The purpose of a bank giving a loan to someone is to earn interest. Whenever a bank gives a loan to someone, it gets interest. The difference between the interest earned by the bank and the interest given to the customer is called net interest profit. This time, the bank has earned Rs 31,438 crore as net interest income, which is 5-6% more than last year.
However, RBI has reduced the interest rate due to which now the bank gets less interest on the loan, due to which the income of the banks from loans has reduced.
HDFC Bank Saving for Bad Loans
The bank gives loans to people and companies but sometimes it happens that people do not repay the loan, this is called bad loans. HDFC Bank has kept aside Rs 14,441 crore this time to save itself from bad loans and to keep itself strong. But HDFC Bank had kept only 2600 crore in the same quarter last year. From this it can be understood that HDFC Bank is being more cautious to keep itself safe from bad loans.
Gross NPA and Net NPA
The meaning of NPA is non performing asset. Actually bad loans are called non performing asset. It means that the bank has given loan to someone but the customer is not repaying the loan for 3 months, this is called non performing asset.
Gross NPA
The amount of loan given by the bank that is not repaid is called gross loan. In the case of HDFC Bank, it is usually 1.40%.
Net NPA
The bad loans that remain after adjusting the bad loans with the additional money that the bank sets aside to settle bad loans are called NPAs. In the case of HDFC Bank, this figure is 0.47%.
This number is absolutely safe for HDFC Bank, meaning HDFC Bank’s NPAs are less than other banks. HDFC Bank handles its loans very well.
HDFC Bank Announces Bonus Shares
This time HDFC Bank has made a very big announcement for investors in Q1. Investors will be very happy to hear that HDFC Bank has announced to give 1:1 bonus shares, meaning if you have one share then you will get one extra share and that too absolutely free.
HDFC Bank Declares Dividend
Along with 1:1 bonus shares, HDFC Bank has announced that every shareholder will get ₹5 extra cash for every share they hold, that is ₹5/share.
This is a great reward for investors.
Market Reaction
After the HDFC Bank result, a slight positive move has been seen in the HDFC stock. Apart from this, investors are very happy because their profit has increased and they have also received bonus.
Conclusion
This time the performance of HDFC Bank in Q1 result is very strong and stable. The bank has made 12 percent more profit than last time. Along with this, the bank has declared bonus shares and dividend for the investors. Apart from this, it is seen that the bank has increased provisions to protect itself from future risks.