HDFC Bank Q2 FY27 consolidated PAT ₹20,700.03 cr; total income ₹129,358.69 cr

• Basis: Consolidated statement of financial results for the quarter ended 30.09.2026 (unaudited), compared with the quarter ended 30.09.2025 (unaudited), as per the statement of financial results.

• Total income: Rs 129,358.69 cr (Q2 FY27) vs Rs 118,560.63 cr (Q2 FY26)
• Interest earned: Rs 95,131.63 cr vs Rs 86,993.84 cr
• Other income: Rs 34,227.06 cr vs Rs 31,566.79 cr
• Interest expended: Rs 50,667.43 cr vs Rs 46,740.86 cr
• Operating expenses: Rs 45,819.72 cr vs Rs 40,879.05 cr
• Total expenditure (excl. provisions and contingencies): Rs 96,487.15 cr vs Rs 87,619.91 cr
• Operating profit before provisions and contingencies: Rs 32,871.54 cr vs Rs 30,940.72 cr
• Provisions (other than tax) and contingencies: Rs 4,209.00 cr vs Rs 4,281.83 cr
• Profit from ordinary activities before tax and minority interest: Rs 28,662.54 cr vs Rs 26,658.89 cr
• Tax expense: Rs 7,125.45 cr vs Rs 6,295.12 cr
• Net profit for the period (after tax, before minority interest): Rs 21,537.09 cr vs Rs 20,363.77 cr
• Net profit for the period (after minority interest): Rs 20,700.03 cr vs Rs 19,610.67 cr
• Paid-up equity share capital: Rs 1,541.86 cr vs Rs 1,536.37 cr
• Basic EPS (not annualized): Rs 13.43 vs Rs 12.78
• Diluted EPS (not annualized): Rs 13.41 vs Rs 12.71

In the consolidated statement of financial results for the quarter ended 30.09.2026, HDFC Bank reported total income of Rs 129,358.69 cr, higher than Rs 118,560.63 cr in the corresponding quarter ended 30.09.2025. Interest earned increased to Rs 95,131.63 cr from Rs 86,993.84 cr, while other income (including premium and other operating income from insurance business and other items) rose to Rs 34,227.06 cr from Rs 31,566.79 cr.

On the cost side, interest expended moved up to Rs 50,667.43 cr from Rs 46,740.86 cr. Operating expenses, comprising employees cost, claims and benefits and other expenses pertaining to insurance business, and other operating expenses, increased to Rs 45,819.72 cr from Rs 40,879.05 cr. Total expenditure excluding provisions and contingencies was Rs 96,487.15 cr versus Rs 87,619.91 cr in the year-ago quarter.

Operating profit before provisions and contingencies stood at Rs 32,871.54 cr, compared with Rs 30,940.72 cr in the corresponding previous quarter. Provisions (other than tax) and contingencies were Rs 4,209.00 cr, slightly lower than Rs 4,281.83 cr a year earlier. Profit from ordinary activities before tax and minority interest was Rs 28,662.54 cr, up from Rs 26,658.89 cr.

After a tax expense of Rs 7,125.45 cr (vs Rs 6,295.12 cr), net profit from ordinary activities after tax and before minority interest was Rs 21,537.09 cr, compared with Rs 20,363.77 cr. Net profit for the period after minority interest, as reported in the consolidated results table, was Rs 20,700.03 cr versus Rs 19,610.67 cr in the same quarter of the previous year. Basic earnings per share (face value Rs 1/- each, not annualized) were Rs 13.43 compared with Rs 12.78, and diluted earnings per share were Rs 13.41 compared with Rs 12.71.