HDFC Bank, recognized as the largest private sector lender in India, has announced a commendable growth of 6.7% in its standalone net profit for the fourth quarter of fiscal year 2025 (FY25). The banks net profit surged to an impressive 17,616 crore, a noticeable increase from 16,512 crore recorded during the same period in the previous year. This financial performance highlights the bank's resilience and adaptability in a fluctuating economic environment.

In a regulatory filing made on Saturday, HDFC Bank reported total income for the January-March quarter at 89,488 crore, which remained nearly unchanged compared to 89,639 crore in the fourth quarter of FY24. A significant driver behind the bank's profitability was its interest income, which saw a substantial rise, reaching 77,460 crore, compared to 71,473 crore during the same quarter last year.

On a consolidated basis, HDFC Bank achieved a net revenue of 80,700 crore for the quarter, showing an impressive growth of 12.3% from the prior quarter. This consolidated financial performance reflects the banks robust operational efficiency and strategic initiatives aimed at enhancing its service offerings and expanding its market presence.

The board of directors has recommended a dividend of 22 per equity share, with a face value of 1, for the year ending March 31, 2025. This decision underscores the bank's commitment to returning value to its shareholders, even as it navigates the complexities of the current economic landscape.

Despite the positive growth in net profit, the bank did experience a slight deterioration in asset quality. The Gross Non-Performing Assets (NPAs) edged up to 1.33% of total loans, an increase from 1.24% recorded a year ago. Similarly, the Net NPAs rose to 0.43%, compared to 0.33% in the same period last year. This uptick in NPAs may signal a need for the bank to enhance its risk management strategies moving forward.

On a consolidated basis, HDFC Bank reported a net profit increase of 6.8%, amounting to 18,835 crore in Q4, compared to 17,622 crore in the corresponding quarter of the previous year. This consistent upward trajectory in profits reflects the bank's capacity to navigate through challenging market conditions while maintaining a solid customer base.

The bank's Capital Adequacy Ratio (CAR), in accordance with Basel III norms, remained robust at 19.6% as of March 31, 2025. This strong capital position not only provides a cushion against potential financial shocks but also positions the bank favorably for future growth opportunities.

Furthermore, HDFC Bank experienced significant growth in its balance sheet, with total assets climbing to 39.10 lakh crore, up from 36.17 lakh crore at the end of March 2024. This expansion underscores the bank's ongoing efforts to bolster its asset base and enhance its lending capabilities.