HDFC Bank, India’s largest private sector lender, saw its share price rise by 2.6% on April 4, 2025, hitting an intra-day high of ₹1,841.95. The stock was the top gainer on the Nifty 50, driven by strong business performance in Q4 FY25 (Jan-Mar quarter). 

The bank’s strong financial performance, steady deposit growth, and improving loan book have fueled investor confidence. The stock’s recent uptrend reflects the bank’s resilience and growth potential in the banking sector. Investors will keep an eye on further developments, including Q4 earnings and corporate loan performance.

Robust Deposit Growth

HDFC Bank’s average deposits rose 15.8% YoY to ₹25,279 billion in Q4 FY2025, also increasing 3.1% from Q3 FY2025.

  • Average CASA deposits grew 5.7% YoY to ₹8,289 billion, with a marginal 1.4% increase from Q3 FY2025.
  • Average time deposits surged 21.4% YoY to ₹16,990 billion, showing a 3.9% rise quarter-on-quarter (QoQ), indicating customer preference for fixed deposits.

Period-end deposits stood at ₹27,145 billion, reflecting a 14.1% YoY and 5.9% QoQ increase. CASA deposits ended the quarter at ₹9,445 billion, 3.9% higher YoY, while time deposits touched ₹17,700 billion, rising 20.3% YoY.

Strong Growth in Advances

The bank’s average advances under management stood at ₹26,955 billion in Q4 FY25, marking a 7.3% year-on-year (YoY) increase and a 2.6% rise from the previous quarter. Period-end advances reached ₹27,735 billion, reflecting 7.7% YoY growth and a 3.3% increase from the previous quarter.

Retail loans expanded 9.0% YoY, while commercial and rural banking loans surged 12.8%. However, corporate and other wholesale loans declined 3.6% from March 2024 levels.

As part of its strategic initiatives, the bank securitised or assigned loans worth ₹107 billion in Q4, bringing the fiscal year total to ₹570 billion.

Let’s take a look at its Factor Analysis:

Factor Analysis HDFC Bank

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