HDFC Bank has released its business updates for the fourth quarter of the financial year 2024-25, showcasing strong growth in advances and deposits. The latest data highlights the bank’s performance as of March 31, 2025, reflecting its steady expansion in lending and deposit accumulation.
Key Highlights of HDFC Bank’s Q4 Performance
1.Advances Under Management
The average advances under management stood at ₹26,955 billion, reflecting a 7.3% year-on-year (YoY) growth from ₹25,125 billion in Q4 2023-24 and a 2.6% quarter-on-quarter (QoQ) rise from ₹26,276 billion in Q3 2024-25.The period-end advances stood at ₹27,735 billion, registering a 7.7% YoY increase from ₹25,758 billion and a 3.3% QoQ growth from ₹26,839 billion.Retail loans saw an increase of 9.0% YoY, while commercial and rural banking loans surged by 12.8% YoY.Corporate and other wholesale loans witnessed a slight decline of 3.6% YoY.
2.Gross Advances and Loan Securitization
The gross advances as of March 31, 2025, stood at ₹26,435 billion, marking a 5.4% YoY growth.HDFC Bank securitized ₹107 billion worth of loans in Q4 2024-25, compared to ₹70 billion in Q4 2023-24.
3.Deposit Growth
The average deposits surged to ₹25,279 billion, reflecting a 15.8% YoY increase from ₹21,836 billion in Q4 2023-24 and a 3.1% QoQ growth from ₹24,528 billion in Q3 2024-25.The period-end deposits climbed to ₹27,145 billion, an increase of 14.1% YoY from ₹23,798 billion and a 5.9% QoQ growth from ₹25,638 billion.
4.CASA and Time Deposits
CASA (Current Account and Savings Account) deposits grew 5.7% YoY to ₹8,289 billion from ₹7,844 billion in Q4 2023-24 and 1.4% QoQ from ₹8,176 billion in Q3 2024-25.Time deposits surged 21.4% YoY to ₹16,990 billion from ₹13,992 billion and 3.9% QoQ from ₹16,352 billion.The period-end CASA deposits rose 3.9% YoY to ₹9,445 billion from ₹9,088 billion, while time deposits increased 20.3% YoY to ₹17,700 billion from ₹14,710 billion.
HDFC Bank’s strong Q4 performance reflects its continued growth momentum in both lending and deposits. The increase in retail and rural banking loans, coupled with robust deposit growth, positions the bank well for the upcoming financial year. However, the decline in corporate loans is an area to watch in the future quarters.
Disclaimer
This article is for informational purposes only and should not be considered financial advice. Investors are advised to conduct their research or consult with a financial advisor before making any investment decisions. The data provided is based on publicly available reports from HDFC Bank and is subject to change upon final audit.
