HDFC Bank Q1 FY27 Results: PAT Rises 5%, NII Up 7%
HDFC Bank reported a mixed Q1 FY27 as higher net profit and NII growth were offset by lower operating profit and margin pressure, while asset quality remained healthy and NIM stayed stable.
HDFC Bank Q1 Results FY2027: HDFC Bank reported a mixed Q1 FY27 performance, with PAT rising 5% YoY to ₹19,060 crore and NII increasing 7% YoY to ₹33,534 crore. Asset quality remained healthy, though operating profit declined amid margin pressure, while treasury income weighed on overall revenue growth.
HDFC Bank Q1 Results FY2027: On 18 July, HDFC Bank reported a mixed performance for the first quarter of FY27. Net Interest Income (NII) increased 6.67% year-on-year to ₹33,533.95 crore, while Profit After Tax (PAT) rose 4.98% YoY to ₹19,059.72 crore. However, operating profit declined on a yearly basis due to margin pressure. Here's a detailed breakdown of HDFC Bank's Q1 FY27 results.
HDFC Bank Q1 FY2027 Results Highlights ( STANDALONE )
-
Total Income stood at ₹92,184.38 crore in Q1 FY27, declining 7.07% YoY from ₹99,200.03 crore in Q1 FY26. Sequentially, total income increased 2.64% from ₹89,808.90 crore in Q4 FY26.
-
Net Interest Income (NII) increased to ₹33,533.95 crore, up 6.67% YoY from ₹31,437.97 crore. Compared with ₹33,081.57 crore in Q4 FY26, NII grew 1.37% QoQ.
-
Pre-Provision Operating Profit (PPOP) stood at ₹28,168.06 crore, declining 21.17% YoY from ₹35,733.96 crore. Sequentially, PPOP increased 1.31% from ₹27,802.92 crore.
-
Operating Profit Margin stood at 30.56%, compared with 36.02% in Q1 FY26 and 30.96% in Q4 FY26, contracting 546 basis points YoY and 40 basis points QoQ.
-
Profit After Tax (PAT) stood at ₹19,059.72 crore, rising 4.98% YoY from ₹18,155.21 crore. Compared with ₹19,221.05 crore in Q4 FY26, PAT declined 0.84% QoQ.
-
Net Interest Margin (NIM) remained stable at 3.26%, unchanged from both Q4 FY26 and Q1 FY26.
-
Earnings Per Share (EPS) increased to ₹12.38 from ₹11.86 in Q1 FY26, registering 4.38% YoY growth. Compared with ₹12.49 in Q4 FY26, EPS declined 0.88% QoQ.
|
Metric |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Total Income (₹ Cr) |
92,184.38 |
89,808.90 |
2.64% |
99,200.03 |
-7.07% |
|
Net Interest Income (₹ Cr) |
33,533.95 |
33,081.57 |
1.37% |
31,437.97 |
6.67% |
|
Operating Profit (PPOP) (₹ Cr) |
28,168.06 |
27,802.92 |
1.31% |
35,733.96 |
-21.17% |
|
Operating Profit Margin |
30.56% |
30.96% |
-40 bps |
36.02% |
-546 bps |
|
Profit After Tax (₹ Cr) |
19,059.72 |
19,221.05 |
-0.84% |
18,155.21 |
4.98% |
|
Gross NPA (%) |
1.17% |
1.15% |
+2 bps |
1.40% |
-23 bps |
|
Net NPA (%) |
0.41% |
0.38% |
+3 bps |
0.47% |
-6 bps |
|
CASA Ratio (%) |
32.30% |
35.10% |
-280 bps |
32.80% |
-50 bps |
|
ROA (%) |
0.46% |
0.48% |
-2 bps |
0.48% |
-2 bps |
|
NIM (%) |
3.26% |
3.26% |
Flat |
3.26% |
Flat |
|
EPS (₹) |
12.38 |
12.49 |
-0.88% |
11.86 |
4.38% |
Source: HDFC Bank Q1 FY27 Investor Presentation and Consolidated Financial Results.
HDFC Bank Q1 FY27 Segment-wise Revenue ( STANDALONE )
Retail Banking remained the largest contributor to HDFC Bank's revenue during the quarter, followed by Wholesale Banking and Treasury. Wholesale Banking recorded healthy growth, while Treasury revenue declined sharply on a year-on-year basis.
|
Particulars (₹ Cr) |
Q1 FY27 |
Q4 FY26 |
QoQ % |
Q1 FY26 |
YoY % |
|---|---|---|---|---|---|
|
Treasury |
18,192.38 |
17,295.96 |
5.18% |
28,283.34 |
-35.68% |
|
Retail Banking |
75,888.80 |
74,757.59 |
1.51% |
75,191.18 |
0.93% |
|
Wholesale Banking |
48,670.85 |
44,643.71 |
9.02% |
44,790.22 |
8.66% |
|
Other Banking Operations |
9,044.03 |
9,265.09 |
-2.39% |
8,693.64 |
4.03% |
|
Gross Segment Revenue |
1,51,796.06 |
1,45,962.35 |
4.00% |
1,56,958.38 |
-3.29% |
|
Less: Inter-segment Revenue |
59,611.68 |
56,153.45 |
6.16% |
57,758.35 |
3.21% |
|
Total Income |
92,184.38 |
89,808.90 |
2.64% |
99,200.03 |
-7.07% |
Source: HDFC Bank Q1 FY27 Segment Information.
HDFC Bank Share Price Today
As of 17 July, 3:30 PM
Ahead of Q1 FY27 results, HDFC Bank shares closed 1.55% higher on Friday. Despite the day's gain, the stock remains down 17% on a year-to-date (YTD) basis and has declined 16% over the one year from July 17, 2025, to July 17, 2026.
All topics
Click the link, confirm the box next to sahi.com is checked — ignore any other results.