HDFC Bank Q2 PAT may rise 20.4% at Rs 2387.5 cr: MOST

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26 Aug, 2025 12:21

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Motilal Oswal has come out with its July-September quarter earnings estimates for the banking sector. The brokerage house expects HDFC Bank to report a 6.9 percent growth quarter-on-quarter (growth of 20.4 percent year-on-year) in net profit at Rs 2387.5 crore.

Net interest income is expected to increase by 2.4 percent Q-o-Q (up 18.3 percent Y-o-Y) to Rs 5297.8 crore, according to Motilal Oswal.

Motilal Oswal of HDFC Bank:

We expect a healthy loan growth of 22 percent Y-o-Y and 5 percent Q-o-Q driven by improving macro environment and a well balanced portfolio. Deposit growth is expected to be at 26 percent Y-o-Y and 6 percent Q-o-Q.

NIM is expected to remain stable at 4.7 percent Q-o-Q (though lower by 10bp Y-o-Y). Hence, NII is expected to grow 18 percent Y-o-Y.

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Fee income growth is expected to remain moderate at 10 percent Y-o-Y. However, we expect some improvement in trading income and forex gains, which will aid total non-interest income growth.

Asset quality remains best-in-class, with lowest net stressed loans. However, with a conservative approach, we expect provisions to be at INR 4.6 billion.

Strong operating performance coupled with healthy asset quality would lead to 20.4 percent Y-o-Y earnings growth.

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