Net interest income increased 21.6% YoY and 5% QoQ to Rs 2,399 crore, compared to Rs 1,973 crore in the year-ago quarter and Rs 2,285 crore in the previous quarter.
Net income came in at Rs 2,769 crore, up 19.8% YoY and 4% QoQ. Profit before tax stood at Rs 991 crore in Q4 FY26, up 44.3% YoY and 17.6% QoQ.
Pre-provisioning operating profit stood at Rs 1,675 crore in Q4 FY26, rising 26.9% YoY and 7.8% QoQ, indicating strong underlying operating momentum.
On the cost front, employee expenses rose 7.5% YoY but declined 5.4% QoQ to Rs 709 crore, while other operating expenses increased 16% YoY and 7.1% QoQ to Rs 385 crore. Total expenses rose 10.3% YoY but declined 1.3% QoQ, aiding margin expansion.
Credit costs stood at Rs 685 crore, up 8% YoY but down 3.9% QoQ, suggesting some sequential easing.
On the balance sheet front, assets under management rose 10.7% YoY to Rs 1,18,733 crore as of 31 March 2026, while the gross loan book grew 10.9% YoY and 3.4% QoQ to Rs 1,18,493 crore.
Asset quality saw slight pressure, with gross stage 3 assets rising to 2.44% from 2.26% YoY, while net stage 3 assets increased to 1.09% from 0.99%.
Provision coverage ratio remained stable at 55.53% compared to 55.95% a year ago.
For the full year, net profit rose 16.9% YoY to Rs 2,544 crore, while net interest income grew 20.4% to Rs 8,968 crore in FY26.
The NBFC's board approved a fundraising of Rs 32,824.72 crore through debt. The fundraising, which includes renewal of Rs 31,974.72 crore and fresh capital of Rs 850 crore, will be done through issue of debt securities on private placement basis, in one or more tranches.
Further, the board also declared a final dividend of Rs 2 per share for the financial year ended March 2026.
HDB Financial Services (HDBFS) is a non-deposit taking non-banking finance company ('NBFC') offering wide range of loan products to individuals, emerging businesses and micro enterprises. Established in 2007, as a subsidiary of HDFC Bank Limited, HDBFS is categorized as an upper layer NBFC by the RBI. HDBFS offers a large portfolio of lending products that cater to a growing and diverse customer base through a wide omni-channel distribution network. Its lending products are offered through the three business verticals: Enterprise Lending, Asset Finance and Consumer Finance. As of 31 March 2026, the company's distribution network spans 1,730 branches across 1,161 cities/ towns.
Beware of fraudulent tips, unauthenticated news and advice on stock market.
At BOB Capital, your account security is our topmost priority. Beware of receiving fraudulent communications, unauthenticated trading tips and unsolicited calls on trading in stocks from unverified sources, received through Whatsapp, Telegram, SMS, Calls, etc and take an informed decision before investing.
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Report unsolicited messages to the Stock Exchange on +91 8291833676 or on designated email id i.e. feedbk_invg@nse.co.in. Please visit here to understand better.
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Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: