HDFC Bank
Large Private · NSE HDFCBANK · Market cap ₹10,95,640
Latest FY FY2026
Loan growth
12.0%
Deposit growth
14.3%
NIM
3.3%
0th pctile
ROA
1.6%
ROE
13.7%
Gross NPA
1.2%
41th pctile
P/B
1.94x
0th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 12.0% | 17.7% | -5.8pp | — |
| Deposit growth | 14.3% | 13.4% | +1.0pp | — |
| CASA | 32.3% | 32.7% | -0.4pp | 0th |
| NIM | 3.3% | 3.6% | -0.3pp | 0th |
| ROA | 1.6% | 1.1% | +0.6pp | — |
| ROE | 13.7% | 12.4% | +1.3pp | — |
| Gross NPA | 1.2% | 1.9% | -0.7pp | 41th |
| Credit cost | 1.7% | 1.3% | +0.4pp | — |
| Cost/income | 39.2% | 55.1% | -15.9pp | — |
| CRAR | 19.6% | 18.9% | +0.7pp | — |
| P/B | 1.94x | 1.07x | +0.9pp | 0th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼CASA Ratio at 32.30 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -16.4% YoY to 1.17 · abs(yoy)>=15%
- ▼Net Interest Margin at 3.26 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▼Yield On Advances at 7.70 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations