d) Others

(ii) Earnings per share (EPS)

(₹) (Face value of ₹ 1/- each): (Refer note 7)

Particulars

1

a)

b)

c)

d)

e)

f)

g)

Income from Operations

2

a)

b)

c)

d)

e)

f)

g)

3

a)

b)

c)

d)

e)

f)

g)

4

a)

b)

c)

d)

e)

f)

g)

5

6

Consolidated statement of Assets and Liabilities is given below:

Consolidated statement of Cashflows is given below:

The above financial results represent the consolidated financial results of HDFC Bank Limited, its subsidiaries (together referred to as the “Group”) and HDB Employee Welfare Trust (“EWT”). These financial results have been approved by the Board of Directors at its meeting held on October 18, 2025. The financial results for the quarter and half year ended September 30, 2025 have been subjected to a “Limited Review” by the joint statutory auditors of the Bank viz. Batliboi & Purohit, Chartered Accountants and B S R & Co. LLP Chartered Accountants. The previous period results were reviewed / audited by the Bank’s joint statutory auditors - Price Waterhouse LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants.

These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards specified under Section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (“the RBI”) from time to time, the Insurance Regulatory and Development Authority of India (“IRDAI”) (Preparation of Financial Statements and Auditors Report of Insurance companies) Regulations, 2002 (“IRDAI Guidelines”) to the extent applicable for insurance entities and other accounting principles generally accepted in India and these financial results are in compliance with the presentation and disclosure requirements of the Regulation 33 and Regulation 52 read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Regulations”) as amended including relevant circulars issued by the SEBI from time to time, to the extent applicable.

The Group has applied significant accounting policies in the preparation of these consolidated financial results consistent with those followed in the annual consolidated financial statements for the year ended March 31, 2025. Any relevant circular / direction issued by the RBI and other regulator(s) is implemented prospectively when it becomes applicable, unless specifically required under that circular / direction.

On June 25, 2025, the Bank’s subsidiary company, HDB Financial services Limited (“HDBFS”) launched its initial public offering (“IPO”), comprised of a fresh issuance of equity shares aggregating to ₹ 2,500.00 crore and an offer for sale (“OFS”) of equity shares by the Bank, aggregating to ₹ 10,000.00 crore. Under the OFS, the Bank divested 13,51,35,135 equity shares of ₹ 10 each of HDBFS at ₹ 740/- per share, for a consideration aggregating to ₹ 10,000.00 crore. In the Consolidated Financials, profit on sale of investment is considered as the difference between the sale consideration and the Bank’s share in the carrying amount of HDBFS’s net assets (to the extent of sale), as of the date of sale. Consequently, the net gain to the Bank in the Consolidated Financials, on sale of shares under the OFS is ₹ 6,949.27 crore (before tax and net of estimated IPO related expenses) during the half year ended September 30, 2025.

During the quarter ended September 30, 2025, the shareholders of the Bank have approved, through postal ballot, the issuance of bonus shares, in the proportion of 1:1, i.e. 1 (One) bonus equity share of ₹ 1 each for every 1 (One) fully paid-up equity share held as on the record date. Accordingly, the Bank has allotted 7,67,70,39,761 equity shares as bonus shares on August 28, 2025 by utilisation of share premium. All shares and per share information in the financial results reflect the effect of bonus shares issuance retrospectively.

During the quarter and half year ended September 30, 2025, the Bank has allotted 1,87,45,147 and 3,44,37,119 equity shares respectively, pursuant to the exercise of options / units under the approved employee stock option schemes / employee stock incentive master scheme.

During the quarter ended September 30, 2025, the Bank has acquired 71,678 equity shares in HDFC Capital Advisors Limited (“HCAL”) for consideration of ₹ 80.87 crore. Post this acquisition, the Bank’s shareholding in HCAL was 89.68% as at September 30, 2025.

Other income includes commission income from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, profit and loss (including revaluation) from investments, and recoveries from accounts previously written off.

During the half year ended September 30, 2025, the Bank has made a floating provision of ₹ 9,000.00 crore in line with the Board approved policy.

In accordance with the RBI guidelines, banks are required to make consolidated Pillar 3 disclosures including leverage ratio, liquidity coverage ratio and net stable funding ratio under the Basel III Framework. These disclosures would be available on the Bank’s website at the following link: https://www.hdfcbank.com/personal/resources/regulatory-disclosures. The disclosures have not been reviewed by the statutory auditors.

Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period’s classification.

₹ 10 million = ₹ 1 crore

Place: Mumbai

Date: October 18, 2025

Particulars

1

2

3

Total Income (1)+(2)

4

5

6

7

8

9

10

11

12

13

14

Net Profit for the period (12)-(13)

15

16

17

Analytical Ratios and other disclosures:

Particulars

1

a)

b)

c)

d)

e)

2

a)

b)

c)

d)

e)

3

a)

b)

c)

d)

e)

4

a)

b)

c)

d)

e)

5

6

Standalone statement of Assets and Liabilities is given below:

Standalone statement of Cashflows is given below: