HDFC Bank net interest margin (NIM) stands at 3.26 per cent on total assets and 3.40 per cent based on interest-earning assets during Q1 FY27.
HDFC Bank Ltd on Saturday reported a 4.98 per cent rise in its standalone net profit to Rs 19,060 Crore for the June 2026 quarter. The country’s largest private sector lender saw net interest income (NII) rise 6.7 per cent during April-June 2026 to Rs 33,535.9 crore.
Its net interest margin (NIM) stood at 3.26 per cent on total assets and 3.40 per cent based on interest-earning assets during Q1 FY27.
Asset quality
HDFC Bank’s asset quality improves year-on-year, with gross non-performing assets (GNPAs) falling to 1.17 per cent of gross advances as on June 30, 2026, against 1.40 per cent a year earlier. However, in the previous quarter, GNPA had stood at 1.15 per cent.
Its net non-performing assets (NNPAs) were at 0.41 percent of net advances as on June 30, 2026.
Provisions and contingencies
The lender’s provisions and contingencies for the quarter stood at Rs 30.6 billion, while the total credit cost ratio was 0.40 percent.