HDFC Bank Limited
HDFCBANK.BO
Bombay Stock Exchange753.65
INR
+4.95
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HDFC Bank Limited
HDFCBANK.BO
(Bombay Stock Exchange)
Recent
price
753.65
P/E
ratio
- -
div
yld
- -
ROIC.AI
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- Business
- HDFC Bank Limited (HDFCBANK.BO) is India's largest private sector bank by assets and market capitalization, providing a comprehensive range of retail banking, wholesale and corporate banking, treasury, and commercial and rural banking services; its core offerings include savings accounts, current accounts, fixed and recurring deposits, mortgages and home loans, personal loans, auto loans, two-wheeler loans, gold loans, loans against property, consumer durable loans, lifestyle loans, credit cards (including co-branded RuPay cards with PhonePe), debit and prepaid cards, working capital finance, term lending, project finance, supply chain financing, export finance, trade credit, cash management services, forex and derivatives, custodial services, letters of credit, guarantees, investment banking services such as debt/equity capital markets, mergers and acquisitions, IPOs, loan syndication, wealth management for high net-worth individuals, digital platforms like PayZapp, SmartBUY, and SmartWealth app, as well as distribution of mutual funds, life, general, and health insurance products. Founded in 1994 and headquartered in Mumbai, the bank operates over 9,000 branches and 20,000 ATMs across more than 3,800 cities and villages in India, including a presence in Lakshadweep, serving individuals, salaried professionals, micro, small and medium enterprises, large corporates, public sector undertakings, multinationals, non-resident Indians, and rural customers including farmers and self-help groups. In recent developments, HDFC Bank completed its merger with parent Housing Development Finance Corporation Limited in July 2023, creating a combined entity with a customer base exceeding 120 million, enhanced home loan capabilities, and increased branch network to around 8,700; it launched the SmartWealth app and PhonePe co-branded RuPay credit card with UPI integration in 2024, introduced user-level programmability on digital rupee via its wallet in August 2024, expanded its branch network by over 700 locations in FY2025 with a focus on semi-urban and rural areas, grew its loan securitisation business significantly with sales of 463 billion rupees in the current financial year to manage balance sheet growth and meet investor demand, and targets above-system loan growth in FY2027 while prioritizing deposit accretion and a better current account savings account mix amid post-merger integration. The bank maintains subsidiaries and associates including HDFC Life (50.37% stake), HDFC ERGO (50.48%), HDFC Asset Management Company (52.55%), HDFC Securities (95.48%), HDB Financial Services (94.84%), and HDFC Capital Advisors (90%), with operations strengthened by ongoing digital transformation initiatives incorporating generative AI and ESG focus in renewable energy and green finance.