HDFC Bank Eyes Faster Loan Growth, Says High Credit-Deposit Ratio Not a Constraint

HDFC Bank eyes faster loan growth, says high credit-deposit ratio not a constraint

The CD ratio remains an important metric for sustainable profitability, but it needs to be viewed over a longer horizon rather than on a quarter-to-quarter basis, chief financial officer Srinivasan Vaidyanathan said during the bank’s Q3 earnings call on Saturday.

12% Net Profit Growth for HDFC Bank in FY26 Q3

HDFC Bank delivered solid Q3 results for FY26, with net profit climbing more than 12% compared to the previous year. The figures reflect the lender’s adaptability in a dynamic market environment. Key drivers included a surge in advances and stable deposit mobilization. The bank’s net interest margin remained resilient, supported by a favorable mix of high-yield assets. Operating profit margins expanded, aided by productivity enhancements across …