HDB Financial records PAT of ₹780 Crores for Q2FY27, a growth of 34.2% YoY, Interim Dividend of ₹2
October 14, 2026, Mumbai: A meeting of the Board of Directors of HDB Financial Services Limited was held in Mumbai on Wednesday, October 14, 2026 to consider and approve the unaudited financial results for the quarter ended 30th September 2026.
Performance Highlights – Q2FY27
Net interest income was ₹ 2,534 crore for the quarter ended September 30, 2026 compared to ₹ 2,192 crore for the quarter ended September 30, 2025, an increase of 15.6%
Net total income was ₹ 3,188 crore for the quarter ended September 30, 2026 compared to ₹ 2,851 crore for the quarter ended September 30, 2025, an increase of 11.8%
Pre-provisioning operating profit was ₹ 1,774 crore for the quarter ended September 30, 2026 compared to ₹ 1,530 crore for the quarter ended September 30, 2025, an increase of 15.9%
Loan losses and provisions was ₹ 730 crore for the quarter ended September 30, 2026 compared to ₹ 748 crore for the quarter ended September 30, 2025, a decrease of 2.5%
Profit before tax was ₹ 1,044 crore for the quarter ended September 30, 2026 compared to ₹ 782 crore for the quarter ended September 30, 2025, an increase of 33.4%
Profit after tax was ₹ 780 crore for the quarter ended September 30, 2026 compared to ₹ 581 crore for the quarter ended September 30, 2025, an increase of 34.2%
Asset under management (AUM) was ₹ 1,24,638 crore as on September 30, 2026 compared to ₹ 1,11,721 crore as on September 30, 2025, a growth of 11.6%
Gross Loan Book stood at ₹ 1,24,469 crore as on September 30, 2026 compared to ₹ 1,11,409 crore as on September 30, 2025, a growth of 11.7%
Gross Stage 3 loans was at 2.43% as against 2.81% as at September 30, 2025
Net Stage 3 loans was at 1.09% as against 1.27% as at September 30, 2025
Provision Coverage stood at 55.00% on stage 3 assets as against 54.73% as at September 30, 2025
The Board of directors have declared an interim dividend of ₹2 per equity share of face value of ₹10 each with a record date of October 23, 2026
| Particulars (Quarter ended) | 30-Sep-25 | 30-Jun-26 | 30-Sep-26 |
| Total Gross Loans (₹ bn) | 1,114 | 1,218 | 1,245 |
| Enterprise Lending Mix % | 38% | 38% | 38% |
| Asset Finance Mix % | 38% | 37% | 36% |
| Consumer Finance Mix % | 24% | 25% | 26% |
| Secured Gross Loans Mix % | 73% | 74% | 74% |
| Net Interest Margin % | 7.9 | 8.4 | 8.2 |
| Credit Cost % of Total Gross Loans | 2.7 | 2.3 | 2.4 |
| Gross Stage 3 % as a ratio of Total Gross Loans | 2.81% | 2.34% | 2.43% |
| Return on average assets % (Annualised) | 1.9 | 2.5 | 2.4 |
| Earnings Per Share (FTQ) | 7.0 | 9.5 | 9.4 |
| Book Value Per Share (₹) | 233 | 257 | 267 |
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