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  • Author: Profitaxis
  • Published On: January 22, 2025
  • Category:Latest News
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HDFC Bank Q3 Results 2025

Overview

HDFC Bank has released its Q3 results for the fiscal year 2025. The bank met market expectations with a net profit of ₹167.36 billion.

Key financial metrics include a 4.2% quarter-on-quarter increase in deposits, reaching ₹24.53 trillion, and a 0.9% growth in gross advances, which now total ₹25.43 trillion.

Source: REUTERS

Net Revenue and Asset Quality

The bank’s net revenue for the quarter ending December 31, 2024, rose by 6.3%, reaching ₹42,110 crore, compared to ₹39,610 crore in the same quarter of the previous year.

However, the Gross Non-Performing Assets (GNPA) ratio saw a slight increase, rising to 1.42% from 1.36% in the previous quarter, mainly due to non-performing agricultural loans.

Provisions for loan losses and other contingencies also increased by 17%, totaling ₹31.54 billion.

Source: ECONOMIC TIMES

Earnings Expectations and Metrics

As India’s largest private-sector bank, HDFC Bank’s earnings often set the tone for the financial sector. This quarter, the bank is expected to post a modest 8% year-on-year growth in net profit, but analysts are focusing on several critical metrics.

Margins: The Street's Focus

One of the key metrics to watch is the bank’s Net Interest Margins (NIM). Stagnation or decline in margins could impact market sentiment, as this is a crucial profitability indicator for banks.

Asset Quality: The Bellwether Metric

HDFC Bank is renowned for its strong asset quality. Maintaining this standard is essential, as any deterioration could negatively affect the stock due to increased risk in the bank’s loan book.

Key Forecasted Numbers

  • Net Interest Income (NII): Expected to remain flat at approximately ₹30,400 crore.
  • Operating Profit: Estimated at ₹25,000 crore.
  • Provisions: Likely to increase to ₹3,000 crore from ₹2,700 crore in the previous quarter.
  • Profit After Tax (PAT): Projected at around ₹17,000 crore.

The rise in provisions will be closely scrutinized, as it reflects the bank’s approach to managing credit risk.

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Market Insights: Key Updates

HDFC Bank Commentary and Results

Key Areas of Commentary

HDFC Bank’s management commentary will provide insights into two critical areas:

  • Margins Outlook: Projections for margin trends in the near term.
  • Growth Strategy: Plans to address muted loan growth and improve the loan-to-deposit ratio.

HDFC Bank: A Low-Growth Quarter?

As India’s largest private-sector bank, HDFC Bank remains a focal point for investors. According to the CNBC Awas poll, the bank is expected to deliver low single-digit growth this quarter:

  • Net Interest Income (NII): ₹770 crore (+8% YoY).
  • Pre-Provisioning Operating Profit (PPOP): ₹2,25,000 crore (+1% YoY).
  • Net Profit: ₹16,535 crore (flat YoY).

Poly Cab India: Resilient Growth

Poly Cab India is poised to post strong Q3 results, primarily driven by government-led capex activities. Key expectations include:

  • Revenue Growth: Robust YoY growth, with the cable segment leading at 20%.
  • Margins: Decline of 110 basis points due to copper price volatility.
  • Profit After Tax (PAT): Estimated 8% growth.

Key Focus Areas

  • Updated guidance on the cable and wire division.
  • Demand outlook for domestic and export markets.
  • Updates on capacity expansion.

The revival of government infrastructure spending is expected to boost the wire and cable segments, with the export book showing signs of recovery.

Midcap IT: Strong Performance

In the midcap IT sector, Coforge and Persistent Systems are set to outperform, driven by robust demand in BFSI and insurance sectors.

Coforge

  • Revenue Growth: Sequential constant currency revenue growth projected at 4.9%.
  • Margins: Expected to improve to 13.7% from 11.1% last quarter.
  • Key Drivers: Strong organic business performance and benefits from early cross-selling initiatives post-acquisition of Cignity.

Market Trends: Nifty Hits 6-Month Low

The broader market is under significant selling pressure, with Nifty falling below the 23,000 mark for the first time since June. Bank Nifty is also trading near a 600-point gap from its recent low.

Key Takeaways

  • High F&O shorts are contributing to the downward pressure.
  • A counter-trend rally remains elusive amid global and domestic headwinds.
  • Historical patterns suggest that market downturns are temporary, offering long-term opportunities for value investors.
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Market Insights: Key Updates

HDFC Bank Commentary and Results

Key Areas of Commentary

HDFC Bank’s management commentary will provide insights into two critical areas:

  • Margins Outlook: Projections for margin trends in the near term.
  • Growth Strategy: Plans to address muted loan growth and improve the loan-to-deposit ratio.

HDFC Bank: A Low-Growth Quarter?

As India’s largest private-sector bank, HDFC Bank remains a focal point for investors. According to the CNBC Awas poll, the bank is expected to deliver low single-digit growth this quarter:

  • Net Interest Income (NII): ₹770 crore (+8% YoY).
  • Pre-Provisioning Operating Profit (PPOP): ₹2,25,000 crore (+1% YoY).
  • Net Profit: ₹16,535 crore (flat YoY).

Poly Cab India: Resilient Growth

Poly Cab India is poised to post strong Q3 results, primarily driven by government-led capex activities. Key expectations include:

  • Revenue Growth: Robust YoY growth, with the cable segment leading at 20%.
  • Margins: Decline of 110 basis points due to copper price volatility.
  • Profit After Tax (PAT): Estimated 8% growth.

Key Focus Areas

  • Updated guidance on the cable and wire division.
  • Demand outlook for domestic and export markets.
  • Updates on capacity expansion.

The revival of government infrastructure spending is expected to boost the wire and cable segments, with the export book showing signs of recovery.

Midcap IT: Strong Performance

In the midcap IT sector, Coforge and Persistent Systems are set to outperform, driven by robust demand in BFSI and insurance sectors.

Coforge

  • Revenue Growth: Sequential constant currency revenue growth projected at 4.9%.
  • Margins: Expected to improve to 13.7% from 11.1% last quarter.
  • Key Drivers: Strong organic business performance and benefits from early cross-selling initiatives post-acquisition of Cignity.

Market Trends: Nifty Hits 6-Month Low

The broader market is under significant selling pressure, with Nifty falling below the 23,000 mark for the first time since June. Bank Nifty is also trading near a 600-point gap from its recent low.

Key Takeaways

  • High F&O shorts are contributing to the downward pressure.
  • A counter-trend rally remains elusive amid global and domestic headwinds.
  • Historical patterns suggest that market downturns are temporary, offering long-term opportunities for value investors.

Investment Insights: Opportunities Amidst the Chaos

Despite the bearish sentiment, long-term investors are encouraged to consider Nifty ETFs or quality stocks. Historical trends indicate that markets recover and create new highs after downturns.

While further downside to 22,000 is possible, disciplined investing can yield significant benefits in the long term.

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