Archive · 7 Jan 2026
HDFC Bank Q3FY26: Loan Growth Rebounds
HDFC Bank, a big bank in India, had a good quarter with loans growing by 11.9% and deposits by 11.5%.
This means they lent more money and also got more deposits from customers.
However, their shares dropped by 6.33% in the US and 2.35% in India after this news.
The bank is doing well overall, but the stock market reacted negatively.
They will share more details about their profits soon.
Investors are still hopeful about the bank's future.
Meanwhile, non-banking finance companies (NBFCs) are also doing well, with a growth of 15-20% in the amount of money they manage.
They are lending more for gold, vehicles, and personal loans, but are being careful with small business loans and microfinance.
HDFC Bank's loan growth rebounded to 11.9% year-over-year in Q3FY26.
Deposit growth was 11.5% year-over-year, resulting in a credit-to-deposit ratio of 99.5%.
The bank's return on assets (annualized) is 1.96%, leading the pack among peers.
HDFC Bank's ADR crashed 6.33% overnight after Q3FY26 business update.
HDFC Bank's share price fell 2.35% on BSE on January 5.
- Who
- HDFC Bank
- What
- Loan and deposit growth, ADR crash
- When
- December 2025 quarter, January 2026
- Where
- India, US stock exchanges
- Why
- Post-merger adjustments and market conditions
Optimistic View
Cautious View
Loan Growth
Optimistic View
HDFC Bank's loan growth of 11.9% year-over-year is a positive sign of recovery and market confidence.
Cautious View
The loan growth, while positive, may not be sufficient to offset the market's negative reaction to the ADR crash.
Deposit Growth
Optimistic View
Deposit growth of 11.5% year-over-year indicates strong customer trust and liquidity.
Cautious View
The credit-to-deposit ratio of 99.5% suggests a tight balance, which could limit future lending capacity.
Stock Performance
Optimistic View
The bank's strong fundamentals and leadership in return on assets (1.96%) should attract long-term investors.
Cautious View
The 6.33% crash in ADR and 2.35% drop in share price indicate short-term investor concerns and potential volatility.
- Loan Growth
- 11.9% y-o-y
- Deposit Growth
- 11.5% y-o-y
- Credit-to-Deposit Ratio
- 99.5%
- Return on Assets (Annualized)
- 1.96%
- Price-to-Book Ratio
- 2.9 times
- P/E Ratio
- 21.2 times
- ADR Crash
- 6.33%
- Q3FY26 Earnings Date
- 17 January 2026
Sources
HDFC bank loan growth hits 11.9%: Is the ‘darling of Dalal Street’ back?
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