HDB Financial Services Q2 FY27: profit after tax up 34.2% YoY to INR 780 crore, gross loan book up 11.7% to INR 1,24,469 crore
Q2 FY27 PAT up 34.2% YoY to INR 780 crore; gross loan book up 11.7% to INR 1,24,469 crore; RoA 2.42%.
By ScoutQuest · · 1 min read
- Q2 FY27 PAT
- INR 780 crore, up 34.2% YoY but down 0.6% QoQ
- Gross Loan Book
- INR 1,24,469 crore, up 11.7% YoY
- CRAR and Interim Dividend
- CRAR of 21.37%; interim dividend of Rs 2 per share
- Period
- Q2 FY2027
- Positioning
- An HDFC Bank subsidiary lending across enterprise, asset and consumer finance through 1,701 branches in 31 states and UTs, serving 24.8MM customers, 71% of branches in Tier 4+ towns.
📉 Q2 FY27 profit after tax was INR 780 crore, up 34.2% YoY but down 0.6% QoQ; net interest income rose 15.6% YoY to INR 2,534 crore while credit cost fell 2.5% YoY to INR 730 crore. Annualised RoA was 2.42% and RoE 14.4%.
📌 Gross loan book reached INR 1,24,469 crore, up 11.7% YoY, split across enterprise lending (46,832), asset finance (45,565) and consumer finance (32,071); gold loans and consumer durables were among the faster-growing lines.
🏭 The company describes itself as a pan-India lender with 1,701 branches, 80%+ outside the 20 largest cities, and says it is focused on expansion in Tier-2+ markets.
💰 Management states capital remains strong with CRAR of 21.37%, a diversified borrowing mix (43% bank loans, 28% NCDs), and declared an interim dividend of Rs 2 per share.
Also from HDB Financial Services
Q2 FY27 call transcript: PAT ₹780 crore, disbursements ₹18,522 crore, interim dividend of ₹2 per share
20 Oct 2026
Viewer query on HDB Financial Services holding; analyst recommends holding
19 Oct 2026
HDB Financial Services reported a mixed set of second quarter earnings; management discussed net interest margin pressure from repo-linked borrowings
19 Oct 2026
More numbers
- Profit after tax, Q2FY27780 (INR Crores)
- PAT growth YoY, Q2FY2734.2%
- Gross loan book, Sep 30, 20261,24,469 (INR Crores)
- Gross loan book growth YoY11.7%
- Net interest income, Q2FY272,534 (INR Crores)
- Credit cost, Q2FY27730 (INR Crores)
- RoA annualised, Q2FY272.42%
- RoE annualised, Q2FY2714.4%
- CRAR, Sep 30, 202621.37%
- Book value per share₹266.7
- Interim dividend per share₹2
- Profit after tax, FY262,544 (INR Crores)
- Employee count, lending business61,522
Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.