HDFC Bank shares gained over 1 per cent in early trade after the lender posted a strong Q4FY25 business update. The bank reported a 5.4 per cent year-on-year (YoY) growth in gross advances, reaching Rs 26.43 lakh crore, while deposits jumped 14.1 per cent YoY to Rs 27.14 lakh crore. The performance underscores HDFC Bank’s continued growth momentum amid evolving market conditions.
Strong Growth in Gross Advances and Deposits
HDFC Bank’s gross advances stood at Rs 26.43 lakh crore as of March 31, 2025, marking a 5.4 per cent YoY rise from Rs 25.08 lakh crore in Q4FY24. On a sequential basis, gross advances saw a 4 per cent increase compared to Rs 25.42 lakh crore in Q3FY25. The growth in advances signals sustained lending activity, particularly in retail and commercial banking segments.
Deposits climbed 14.1 per cent YoY to Rs 27.14 lakh crore, compared to Rs 23.79 lakh crore a year ago. Sequentially, deposits rose by 5. per cent from Rs 25.63 lakh crore reported in Q3FY25, reflecting strong customer confidence and liquidity inflows.
Retail and Wholesale Lending Performance
Retail loans surged by 9 per cent YoY, driven by steady demand in home loans, auto loans, and personal finance segments. Commercial and rural banking loans recorded an even stronger 12.8% YoY growth. However, corporate and other wholesale loans declined by 3.6 per cent YoY, indicating a cautious approach in large-scale lending.
Average Advances and CASA Growth
HDFC Bank’s average advances under management rose 7.3 per cent YoY to Rs 26.95 lakh crore. The period-end advances stood at Rs 27.73 lakh crore, registering a 7.7 per cent growth over the previous year. Average deposits for the quarter reached Rs 25.27 lakh crore, reflecting a 15.8 per cent YoY rise.
The bank’s Current Account Savings Account (CASA) deposits grew 5.7% YoY to Rs 8.28 lakh crore. On a sequential basis, CASA deposits improved 1.4 per cent from Rs 8.17 lakh crore in Q3FY25, reflecting stable low-cost funding.
Market Reaction and Outlook
HDFC Bank’s stock gained 1.5% intraday, reaching Rs 1,822 on the NSE, following the Q4 update. The updates were announced after market hours, and the stock had closed at Rs 1,792.80 in the previous session, down 0.23 per cent.
With a robust deposit base and growing advances, HDFC Bank is well-positioned for sustained growth. Investors and analysts will closely watch the bank’s full financial results and guidance for FY26 in the upcoming earnings announcement.
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