HDFC Bank Q2 FY27: Profit Up About 4.7%, NIM at 3.32%, Asset Quality Steady

HDFC Bank Q2 FY27 Results

HDFC Bank delivered a steady September quarter, according to its Q2 FY27 earnings presentation.

Key numbers

• Profit after tax: about ₹19,500 crore, up roughly 4.7% year on year.
• Net interest margin: 3.32%
• Core cost-to-income ratio: 39.1%
• Gross NPA (excluding agriculture): 1.11%

Reading the quarter

Single-digit profit growth reflects a bank still working through the balance-sheet effects of its merger, but stable margins and clean asset quality show the core lending book is healthy.

Why it matters

HDFC Bank is one of the largest weights in both the Nifty 50 and Bank Nifty. Its margin trend is a key input for anyone trading banking options.

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