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HDFC Bank, the country’s largest private sector lender, is planning to accelerate its loan growth following a period of stabilisation after the merger with HDFC Ltd.
According to the bank’s management on the Q1 FY26 earnings call, significant progress has been made in optimising its credit-to-deposit (CD) ratio, a key metric of balance sheet health. The focus is now shifting to improving lending momentum and deposit quality.
After the monumental merger concluded in July 2023, HDFC Bank prioritised shoring up its deposit base. This resulted in a sharp reduction of the Credit to Deposit ratio.
Management noted, “We had a compulsion to bring down our CD ratio rather quickly, which we did reasonably well last year. From that low base, momentum is already visible, and we expect sequential improvement over the next three quarters.”
This is what Q1 looked like for HDFC Bank. Please make a note that this data is sourced from Yahoo!Finance for educational purposes and reader awareness. Loansjagat doesn’t advise any reader to alter the investments based on the below-mentioned data.
While strong deposit growth is applauded, the dip in CASA, a cheaper source of funding, will be countered by planned initiatives to deepen engagement and cross-sell products.
HDFC Bank is now confident it can grow loans faster than industry averages in the coming quarters:
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To sustain momentum, HDFC Bank will:
The bank’s FY27 roadmap is clear. They will be among the fastest growers in the sector while maintaining strong capitalisation and low lending risks.
HDFC Bank has moved on from a post-merger consolidation phase to one of disciplined growth. With its CD ratio reset, strong deposit gains, and diversified loan strategy, the bank is positioning itself to outperform peers in FY26–FY27.
Investors and analysts will be watching closely for sustained loan momentum, margin normalisation, and recovery in the CASA mix.
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