HDFC Bank – Fundamentals, Business Model, Shareholding & Outlook (2025)

Last updated: August 2025 • Sector: Banking & Financial Services

1) Company Introduction

• Founded: 1994
• Headquarters: Mumbai, Maharashtra
• Chairman: Atanu Chakraborty
• CEO & MD: Sashidhar Jagdishan
• Industry: Banking & Financial Services

HDFC Bank Bharat ka sabse bada private sector bank hai. Ye retail banking, corporate banking, loans, credit cards aur digital banking services provide karta hai. 2023 me HDFC Ltd ke merger ke baad iska size aur bhi bada ho gaya.

2) Business Model & Work

HDFC Bank ka business model diversified hai:

• Retail Banking: Savings account, personal loan, home loan, auto loan
• Corporate Banking: SMEs aur corporates ke liye loan & credit facility
• Cards & Payment Services: Credit/Debit cards, UPI, digital banking
• Treasury Operations: Investments, forex, bonds
• Insurance & NBFC Business: HDFC merger ke baad financial services aur strong hui

3) Key Fundamentals (Snapshot)

Metric	Insight
Market Cap	₹12+ lakh crore (2025)
Revenue (FY24-25)	₹2.5+ lakh crore
Net Profit	₹60,000+ crore
Net Interest Margin (NIM)	~4%
ROE (Return on Equity)	~16%
GNPA (Gross NPA)	~1.3% (Very Low)

4) Shareholding Pattern (June 2025)

• Promoters: 0% (Professional Managed)
• FII: ~46%
• DII: ~28%
• Public: ~26%

5) Future Outlook: Opportunities & Risks

Opportunities

• Bharat me financial inclusion aur digital banking ka demand continuously badh raha hai
• HDFC Ltd ke merger ke baad housing finance me strong presence
• High CASA ratio se stable low-cost deposits milte hain
• UPI aur digital payments growth ka major beneficiary

Risks

• RBI ki regulatory restrictions kabhi-kabhi growth ko slow karti hain
• Banking sector me competition high hai (ICICI, SBI, Axis Bank)
• Global economic slowdown aur interest rate fluctuations ka impact

6) Investment Perspective

• HDFC Bank ek blue-chip large cap stock hai jo consistent growth deta hai
• Low NPAs aur strong balance sheet ki wajah se safe bet mana jata hai
• Long-term investors ke liye reliable compounding stock hai

Disclaimer: Ye article sirf educational purpose ke liye hai. Ye investment advice nahi hai. Invest karne se pehle apni research karein ya SEBI-registered advisor se salah lein.

7) FAQs

Q1: HDFC Bank ka major revenue source kya hai?

Retail banking aur corporate lending HDFC Bank ka sabse bada revenue source hai.

Q2: Kya HDFC Bank long-term investment ke liye sahi hai?

Haan, consistent growth, low NPAs aur strong fundamentals ki wajah se ye long-term investors ke liye ek trusted stock hai.