July 7, 2025: HDFC Bank has made a solid start to the financial year 2025–26. With healthy growth in both lending and deposits, the bank has once again proved why it’s one of the most trusted names in the Indian banking sector.
Loan Book Shows Steady Growth
In Q1 FY26, HDFC Bank’s gross advances – basically the total loans given by the bank – stood at ₹26.53 lakh crore. This is a 6.7% increase compared to Q1 FY25, when gross advances were ₹24.86 lakh crore.
Even when compared to the last quarter (Q4 FY25), there’s been a slight increase from ₹26.43 lakh crore. This shows that credit demand continues to remain healthy and the bank is steadily expanding its loan book.
Deposits Surge by Over 16% YoY
HDFC Bank’s average deposits in Q1 FY26 touched ₹26.58 lakh crore, which is a 16.4% jump year-on-year. Compared to the previous quarter (₹25.28 lakh crore), deposits grew by 5.1%.
This strong deposit growth reflects customer confidence and the growing preference for HDFC Bank as a safe and reliable banking option.
CASA and Time Deposits – A Balanced Growth
Breaking down the deposits further:
- CASA (Current Account and Savings Account) deposits averaged ₹8.6 lakh crore, marking a 6.1% YoY growth.
- Time Deposits (Fixed Deposits) grew sharply by 22.1% YoY, reaching ₹17.97 lakh crore.
Last year in Q1 FY25, average CASA stood at ₹8.1 lakh crore, and Time Deposits were ₹14.72 lakh crore. So, both categories have shown good growth, with Fixed Deposits seeing particularly strong momentum.
Share Price Sees Modest Movement
After the announcement of the Q1 business update, HDFC Bank’s stock saw a slight uptick of 0.28% on Friday. The share opened at ₹1992 and closed at ₹1992.70.
Over the past month, the stock has delivered a 2.65% return. However, in the last week, the stock slipped 0.56%, showing some short-term volatility.
Conclusion: A Confident Start to FY26
HDFC Bank’s Q1 FY26 update shows a solid and stable performance. With healthy growth in loans, strong deposit inflows, and balanced CASA–FD ratios, the bank seems well-positioned for sustained growth in the coming quarters. For investors and customers alike, this is a clear sign of confidence in HDFC Bank’s long-term strategy.