HDB Financial Services Ltd

📈 HDB Financial Services Q4 Results: Strong Growth & Improved Margins

- Customer base grew to 22.9 million, up 4.3% quarterly and 19.7% yearly

- Gross loan book reached ₹1,18,493 crores, with 3.4% quarterly and 10.9% yearly growth

- Disbursements hit a record high of ₹19,922 crores in Q4, up 11.2% quarterly

- Net interest income for Q4 was ₹2,399 crores, growing 5% quarterly and 21.6% yearly

- Profit after tax increased 16.6% quarterly to ₹751 crores

- Gross NPA improved to 2.44% from 2.81% in the previous quarter

- Net interest margin rose to 8.23% in Q4 from 8.09% in Q3

- ROE (annualized) for Q4 stood at 14.83% and ROA at 2.48%

- Capital adequacy ratio remained strong at 21.40%

- Enterprise lending disbursements grew 27.9% quarterly, with gold loans doubling in FY26

- AI initiatives improved collections efficiency by 25 basis points and reduced customer response times by 20%

- Management targets medium-term growth at nominal GDP plus 6-7%