HDFC Bank Positioned for Fast Growth After Merger
HDFC Bank CEO Promises Strong Growth Ahead
Lucknow | 16, July 2025 : HDFC Bank is ready to grow faster than before. After its big merger milestone, the Bank will shift from steady growth to strong expansion in FY26. MD & CEO Sashidhar Jagdishan told shareholders that the Bank had spent the last year building a solid base. He said it is now ready to grab bigger growth opportunities.
FY25 Was a Turning Point
FY25 was a big year for HDFC Bank. The merger was completed. The balance sheet got stronger. The Bank stayed strong even during global slowdowns. India’s steady economy and reforms helped too.
Deposits Beat Loan Growth
In FY25, HDFC Bank took an 11% share of all deposits in India, with only 5% of the branches. Its deposits grew by 14.1%. This growth was 2.5 times higher than its loan growth. The credit-to-deposit ratio improved to 96%. The Bank also lowered high-cost borrowings to 14%.
Profit and Assets Stay Strong
Profit rose by 10.7% to ₹67,347 crore. Net Interest Income grew 13%. The Net Interest Margin stayed healthy at 3.48%. Bad loans remained low at 1.33%, showing good asset quality.
More Branches, More Loans
The Bank wants to grow loans faster next year. In FY27, it plans to beat the industry average. Last year, it opened over 700 new branches, many in rural areas. This will help reach more people.
Focus on Generative AI
Jagdishan said generative AI will help the Bank transform faster. He called it as big as the internet or mobile. The Bank has started 15 new AI projects. A GenAI Academy will train people to use AI safely and smartly.
What’s Next for HDFC Bank
- Focus on more branches and customers.
- Use strong deposits to grow loans.
- Keep bad loans low.
- Use AI for better service and lower costs.
After its merger, HDFC Bank is ready for bigger growth. A strong balance sheet, better deposits, and new technology will help it reach new goals in FY26 and beyond.
Also Read : Sambhavah 5.0 : UP Launches New Drive to Fight Malnutrition
