HDFC Bank posts ₹19,060 crore profit, 7% rise in net interest income

India's largest private lender HDFC Bank reported a net profit of around ₹19,060 crore for the first quarter of FY 2026‑27, a 5% annual increase. Net interest income (NII) grew about 7% year‑on‑year to roughly ₹33,500 crore, while the net interest margin (NIM) measured 3.26% of total assets.

Asset quality showed modest improvement: gross NPA stood at 1.17% of advances (up from 1.15% a quarter earlier) and net NPA was 0.41% of advances. The bank set aside ₹30.6 billion as provisions and contingencies, and its total credit cost ratio was 0.40%. Following the results, HDFC Bank shares rose about 1.4% to ₹819.60.

Analysts highlighted that investors will watch the bank’s ability to sustain NIM, manage loan‑deposit balance, and maintain strong asset quality amid competitive interest‑rate and deposit‑growth environments.