HDB Financial Services Q1 FY27 Results: PAT Jumps 38% YoY, Revenue Rises 11%
HDB Financial Services reported a strong Q1 FY27 performance with double-digit growth in profit, net interest income, and loan book. The NBFC also improved its asset quality while gross loan book crossed the ₹1.21 lakh crore mark.
HDB Financial Services posted a strong Q1 FY27 performance as net profit rose 38.31% YoY to ₹785.20 crore and net interest income increased 19.9%. The company's gross loan book crossed ₹1.21 lakh crore, while asset quality and net interest margin also improved.
HDB Financial Services Q1 Results: HDB Financial Services reported revenue from operations of ₹4,937.90 crore in Q1 FY27, up 10.58% YoY and 4.06% QoQ, while net profit increased 38.31% YoY to ₹785.20 crore. The company also reported an improvement in its asset quality during the quarter. Here is the detailed breakdown of HDB Q1 results
HDB Financial Services Q1 FY27 Results Highlights
HDB Financial Services reported healthy growth across earnings and business metrics for the quarter ended 30 June 2026. Profit after tax rose 38.3% year-on-year, supported by higher net interest income, continued loan growth and stable asset quality. During the quarter, the company's gross loan book crossed ₹1.21 lakh crore, while Net Interest Margin improved to 8.35%.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Revenue from Operations (₹ Cr) |
4,937.90 |
4,745.40 |
4.06% |
4,465.40 |
10.58% |
|
Net Interest Income (₹ Cr) |
2,509.00 |
2,399.00 |
4.60% |
2,092.00 |
19.90% |
|
Net Interest Margin (NIM) |
8.35% |
8.23% |
+12 bps |
7.74% |
+61 bps |
|
Gross Loan Book (₹ Cr) |
1,21,846 |
1,18,493 |
2.83% |
1,09,342 |
11.44% |
|
Net Profit (PAT) (₹ Cr) |
785.20 |
750.60 |
4.61% |
567.70 |
38.31% |
|
EPS – Diluted (₹) |
9.43 |
9.02 |
4.55% |
7.11 |
32.63% |
|
Gross NPA (GNPA) |
2.34% |
2.44% |
-10 bps |
2.56% |
-22 bps |
|
Customer Base (Million) |
23.9 |
22.9 |
4.1% |
20.2 |
18.6% |
Source: HDB Financial Services Q1 FY27 Results Filing & Investor Presentation
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The NBFC reported profit after tax of ₹785 crore, up 38.3% from ₹568 crore in the same quarter last year and 4.6% higher than March 2026 quarter.
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The company's gross loan book grew to ₹1,21,846 crore, crossing the ₹1.21 lakh crore mark for the first time. This represents an increase of 11.4% compared with June 2025 and 2.8% over the previous quarter. Secured loans continued to dominate the portfolio, accounting for 74% of the total loan book, highlighting the company's focus on a secured lending strategy.
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Net Interest Income (NII) increased 19.9% to ₹2,509 crore. The company's Net Interest Margin (NIM) improved to 8.35%, compared with 7.74% a year earlier and 8.23% in March quarter.
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HDB expanded its customer base to 23.9 million, an increase of 18.6% over the previous year,
HDB Q1 Fy27 Gross Loan Book Breakdown
|
Segment |
Jun 2026 (₹ Cr) |
Mar 2026 (₹ Cr) |
Jun 2025 (₹ Cr) |
YoY |
|---|---|---|---|---|
|
Enterprise Lending |
45,742 |
44,841 |
42,365 |
7.97% |
|
Asset Finance |
45,009 |
44,729 |
41,305 |
8.97% |
|
Consumer Finance |
31,095 |
28,923 |
25,672 |
21.12% |
|
Gross Loan Book |
1,21,846 |
1,18,493 |
1,09,342 |
11.44% |
Source: HDB Financial Services Investor Presentation Q1 FY27.
HDB Financial Services Dividend 2027 and Stock Performance
HDB Financial Services did not announce any dividend, bonus issue, share buyback or stock split along with its Q1 FY27 results.
As of 15 July, 3.30 PM
Ahead of the Q1 FY27 results, HDB Financial Services shares closed 1.52% higher on July 15. Despite the day's gain, the stock has delivered flat returns on a year-to-date (YTD) basis. Over the one year from July 15, 2025, to July 15, 2026, the stock has declined around 10%.