HDFC Bank Financial Statements

HDFC Bank (HDFCBANK) reported revenue of ₹4,709.16B in FY2025 with net income of ₹707.92B. Total assets stood at ₹43.92T and free cash flow was ₹1,231.66B.

HDFC Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		1,285.52B	1,359.36B	1,707.54B	2,836.49B	3,363.67B
Other Income		273.33B	317.59B	339.12B	1,243.46B	1,345.49B
Total Income		1,558.85B	1,676.95B	2,046.66B	4,079.95B	4,709.16B
Interest Exp. Interest Expenditure		592.48B	585.84B	777.80B	1,541.39B	1,838.94B
Op. Expense Operating Expense		350.01B	403.12B	515.34B	1,522.69B	1,766.05B
Provisions Provisions & Contingencies		297.80B	306.48B	292.04B	361.40B	369.76B
Net Income		318.33B	380.53B	459.97B	640.62B	707.92B
Dil. Shares Diluted Shares		11.05B	11.14B	11.18B	14.23B	15.32B
Diluted EPS		28.81	34.15	41.13	45.00	46.20

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows HDFC Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

HDFC Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		973.70B	1,300.31B	1,171.89B	1,787.19B	1,443.90B
Loans & adv. Loans & advances		11.85T	14.21T	16.62T	25.66T	27.25T
Investments		4,388.23B	4,492.64B	5,115.82B	10.06T	11.86T
Total assets		18.00T	21.23T	25.30T	40.30T	43.92T
Borrowings		1,776.97B	2,269.67B	2,565.49B	7,306.15B	6,346.06B
Deposits		13.34T	15.58T	18.83T	23.77T	27.11T
Total liabilities		15.89T	18.75T	22.40T	35.60T	38.54T
Total equity		2,104.43B	2,480.47B	2,902.98B	4,697.79B	5,381.48B
Total liab. & eq. Total liabilities & equity		18.00T	21.23T	25.30T	40.30T	43.92T

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures HDFC Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

HDFC Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		427.73B	507.75B	613.47B	751.84B	935.94B
Operating CF Cash flow Operating Activities		424.76B	-119.60B	208.14B	190.69B	1,272.42B
Capex Investments in PPE		-16.96B	-22.36B	-34.67B	-42.87B	-40.76B
Investing CF Cash flow Investing Activities		-16.81B	-22.16B	-34.24B	53.14B	-38.51B
Dividend Paid		0	-35.92B	-86.05B	-84.04B	-148.26B
Financing CF Cash flow Financing Activities		-73.21B	481.24B	239.41B	39.83B	-1,024.78B
Cash (start) Cash at beginning of period		879.40B	1,212.73B	1,553.86B	1,971.48B	2,288.35B
Cash (end) Cash at end of period		1,212.73B	1,553.86B	1,971.48B	2,288.35B	2,499.48B
FCF Free Cash Flow		407.80B	-141.96B	173.47B	147.83B	1,231.66B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how HDFC Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025