HDFC Bank Q3 Profit Rises 11%; NII Grows 6%, Asset Quality Improves

HDFC Bank Reports Strong Q3 with 11% Profit Growth and Lower NPAs

HDFC Bank Q3 Profit Rises 11%; NII Grows 6%, Asset Quality Improves: HDFC Bank, a private sector bank, reported a standalone net profit of ₹18,653.75 crore for the October-December 2025 quarter. This represents an 11.4 percent increase compared to the profit of ₹16,735.50 crore in the same period a year earlier. The bank’s total income rose by 3 percent year-on-year to ₹90,005 crore, up from ₹87,460.44 crore in the December 2024 quarter.

HDFC Bank informed the stock exchanges that its total interest income on a standalone basis for the December 2025 quarter was ₹76,751.16 crore, compared to ₹76,006.88 crore a year earlier. The bank’s net interest income (NII) increased by 6.3% year-on-year to ₹32,615 crore, up from ₹30,653 crore in the December 2024 quarter.

Asset quality improved: According to exchange filings, HDFC Bank’s gross non-performing asset (NPA) ratio stood at 1.24 percent in the December 2025 quarter. This was down from 1.42 percent a year earlier. The net NPA ratio also decreased year-on-year to 0.42 percent, compared to 0.46 percent in the December 2024 quarter. The decline in NPAs indicates an improvement in the bank’s asset quality.

Bhavesh Zaveri does not want reappointment: HDFC Bank has informed the stock exchanges that the term of Executive Director Bhavesh Zaveri is set to end on April 18, 2026. Zaveri has requested not to be reappointed. He wishes to explore opportunities outside the banking sector, preferably within the group companies. Therefore, he will retire from his position as Executive Director of the bank on April 18, 2026. Zaveri was appointed to this position for a three-year term starting April 19, 2023.