Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallCrashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteHDFC Bank makes most of its core banking income from the difference between the interest it earns on loans and investments and the interest it pays on deposits and other funding. It calls that difference net interest income (NII). Fees and commissions, foreign-exchange and derivatives revenue, trading gains and other income add to revenue—but operating costs, credit-loss provisions and taxes must still be paid before revenue becomes profit.
The latest quarterly figures listed on HDFC Bank’s investor-relations results page as of October 7, 2026, are for the quarter ended June 30, 2026. Those figures are standalone and limited-reviewed; annual figures below are for a different reporting period and are identified separately.
How deposits and loans create interest income
Deposits fund the bank
Customers place money in current accounts, savings accounts and time deposits. HDFC Bank uses this funding to support loans and investments, while paying interest on some of the funds it receives. The deposit mix, the rates paid and how quickly rates change all affect the bank’s funding cost.
As of June 30, 2026, HDFC Bank reported period-end deposits of ₹31,708 billion: ₹7,008 billion in savings deposits, ₹3,245 billion in current-account deposits and ₹21,455 billion in time deposits. Current- and savings-account (CASA) deposits together made up 32.3% of total deposits. These balances describe the funding mix; they do not mean every deposit is free or that CASA alone determines profitability. The bank reported average deposits of ₹30,115 billion for the quarter. HDFC Bank financial-results index and June 2026 results release.
#1 Best Overall
Loans and investments earn interest
HDFC Bank earns interest on advances and bills, investments, balances with the Reserve Bank of India and other interbank funds, and other items. Gross advances stood at ₹30,608 billion on June 30, 2026. Year over year, the bank reported growth of 7.2% in retail loans, 18.7% in small and mid-market enterprise loans, and 18.6% in corporate and other wholesale loans. HDFC Bank’s June 2026 results release.
What NII and NIM mean
Net interest income is the rupee spread
Net interest income is interest earned less interest expended. For the quarter ended June 30, 2026, HDFC Bank reported standalone NII of ₹335.3 billion, up 6.7% from ₹314.4 billion in the quarter ended June 30, 2025. NII is an amount earned over a reporting period, not a percentage. HDFC Bank’s June 2026 results release.
Net interest margin is a ratio
Net interest margin (NIM) expresses interest spread as a proportion of an asset base. The denominator matters: for the June 2026 quarter, HDFC Bank reported NIM of 3.26% on total assets and 3.40% on interest-earning assets. Its FY2025–26 disclosure reported NIM of 3.34% as a percentage of average assets. These percentages cover different periods and, in the quarterly figures, different denominators, so they should not be treated as directly interchangeable. June 2026 results release and FY2025–26 annual report.
How fees and other income add to revenue
Interest spread is not the bank’s only source of income. For the quarter ended June 30, 2026, HDFC Bank reported ₹128.2 billion in standalone other income, broken down as follows:
Do these 3 things before closing this tab:
1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteRank #3
- PERFECT FOR RECORD KEEPING: The 2 Pack account ledger books are versatile and can be used to track finances, budgets, expenses, and other business or personal records. They are perfect for individuals, or small business owners who need a reliable and efficient way to keep track of their finances. With 100 pages, customers can record transactions over an extended period, making it a handy tool for bill planner, weekly budget planner, monthly budget planner.
- COMPACT AND LIGHTWEIGHT: The Budget Planner is compact and lightweight with each book weighing 7 ounces and measuring 8.5 x 6.25 inch, making them easy to carry around. You can take the budget notebook in a bag or briefcase, making them ideal for on-the-go use. This feature ensures that you can access your records at any time, whether you are at work or on the move.
- PREMIUM QUALITY: Elegant style with the words ''Account Tracker'' embossed in fancy Gold Foils. Water-proof and scratch resistant hard cover. Coil ring binding is a practical design feature that enhances the functionality of the account ledger books. It allows pages to turn smoothly and easily, making it effortless to flip through the book while keeping pages in place. The ring binding also ensures that pages won't fall out, preventing the loss of vital information.
- DURABLE WATER-PROOF COVER WITH GOLD FOIL LETTERS: The words ''Account Tracker'' embossed in shiny Gold Foil letters gives it a professional and fancy look that can fit in any setting. Additionally, the durable cover is scratch resistant, It provides a durable layer of protection that can withstand daily wear and tear, making it suitable for long-term use.
| Other-income category | June 2026 quarter |
|---|---|
| Fees and commissions | ₹84.5 billion |
| Foreign exchange and derivatives revenue | ₹13.0 billion |
| Net trading and mark-to-market gain | ₹4.2 billion |
| Miscellaneous income, including recoveries and dividend | ₹26.6 billion |
Fees and commissions were the largest listed component of other income that quarter. They can arise from banking services and products, but charges vary by product and may change. HDFC Bank’s lending-practices code says retail loan and credit-card application forms include applicable fees or charges, possible refunds if an application is not accepted, and prepayment options; it does not establish a single fee amount. June 2026 results release and HDFC Bank fair-practices code for lending.
Some other-income components can be volatile. The June 2025 comparison quarter included ₹91.3 billion of transaction gains from a partial divestment in HDB Financial Services, which HDFC Bank identified as exceptional. That one-off matters when interpreting year-over-year changes in other income.
Rank #4
Why revenue is not profit
Revenue is income before expenses. In the quarter ended June 30, 2026, HDFC Bank reported operating expenses of ₹181.9 billion, provisions and contingencies of ₹30.6 billion, and profit after tax of ₹190.6 billion. Costs of running the bank, credit provisions and taxes separate income from the amount ultimately retained as net profit.
For FY2025–26, the bank reported annual net revenue of ₹1,91,218.6 crore and profit after tax of ₹74,671.3 crore. HDFC Bank defines net revenue as NII plus other income. These are full-year figures and should not be mixed with the June 2026 quarter’s results. HDFC Bank FY2025–26 annual report.
Quick Recap
Best Value
How to compare HDFC Bank’s performance across periods or with another bank
- Compare NIM only when the asset denominator and reporting period match.
- Read NII growth alongside growth in average loans and deposits; a larger balance sheet alone does not show whether the spread improved.
- Consider deposit mix and funding costs together rather than treating CASA as a complete measure of funding strength.
- Separate recurring fee income from more variable trading, foreign-exchange and miscellaneous income.
- Include operating efficiency and credit provisions. HDFC Bank reported a 39.2% cost-to-income ratio for the June 2026 quarter; a meaningful comparison requires the same period and accounting basis.
- Keep standalone and consolidated reporting distinct. The June 2026 quarterly release presents standalone Indian GAAP results subject to limited review by the statutory auditors. The investor-relations results index lists FY2025–26 results and the quarter ended June 30, 2026; that June quarter was the latest listed there as of October 7, 2026. HDFC Bank financial-results index and June 2026 results release.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
