What HDFC Bank lends, and to whom

Name: HDFC Bank: loan book and other figures, FY2021-22 to 30 Sep 2026
Creator: CreditBrief

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹32.20 lakh crore (+8.8% since March).

HDFC BankPrivate banks

₹29.60lakh croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers2ndof 33 banks on CreditBrief, March 2026

Biggest segment28.6%Mortgage, latest split (30 Sep 2026)

Share of the combined book13.9%of all banks on CreditBrief

Chapter 01 · The loan book

₹29.60 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in HDFC Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from mortgage down, and you get ₹29.60 lakh crore. By 30 Sep 2026 it was ₹32.20 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

58%People and households₹19.18 lakh croreMortgageRetail AssetsCommercial Transportation

42%Businesses₹13.89 lakh croreBusiness BankingCorporate & other wholesale

Drilling down: what it lends against · 30 Sep 2026

Mortgage₹9.21 lakh crore28.6%
Corporate & other wholesale₹8.64 lakh crore26.8%
Retail Assets₹8.17 lakh crore25.4%
Business Banking₹5.26 lakh crore16.3%
Commercial Transportation₹1.80 lakh crore5.6%

The filing states figures in ₹ billion. The segments add to the book before ₹87,900 crore of loans sold or shared with other lenders, so they come to about 2.7% more than gross advances. "Mortgage" is the bank's label and may include some loans against property. Retail includes ₹54,800 crore of loans against FCNR deposits.

Sources: HDFC Bank Earnings Presentation Q4 FY26, PDF page 10 ↗ for March 2026; HDFC Bank Earnings Presentation Q2 FY27, PDF page 10 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 21% a year since March 2022.

From ₹13.69 lakh crore on 31 March 2022 to ₹29.60 lakh crore on 31 March 2026, and ₹32.20 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights29 figures from 12 filings · each checked against its pageHow it works

HDFC Bank · loan book · 31 March 2026₹29.60lakh crore+12% in FY2025-26₹32.20 lakh crore by 30 Sep 2026

0121%a year since 2022Grew 21% a year from March 2022 to March 2026, a figure that includes its merger with HDFC Ltd in July 2023.
0212%in FY2025-26Growth picked up to 12% in FY2025-26, from 5.4% the year before.
032ndamong peersHeld its place as the 2nd biggest of these 33 banks from March 2022 to March 2026.

Deposits₹31.05 lakh crore+14% · in FY2025-26

Loans to deposits95.3%-2.1 pts · in FY2025-26

CASA ratio34.1%-0.7 pts · in FY2025-26

Corporate and wholesale loans₹8.11 lakh crore+13% · in FY2025-26

Branches9,689+2.5% · in FY2025-26

Measure	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
Loan book₹ crore · gross advances	13,68,821	16,14,200	25,07,800	26,43,500	29,60,000	32,19,500
Corporate and wholesale loans₹ crore		4,09,700	5,10,900	7,17,700	8,10,800	8,63,500
Deposits₹ crore	15,59,217	18,83,395	23,79,800	27,14,700	31,05,300	33,27,400
CASA ratio%	48.20	44.40	38.20	34.80	34.10	31.60
BranchesNumber	6,342	7,821	8,738	9,455	9,689	9,706

Loan book, Mar 2022: ₹13.69 lakh crore

“FY22 13,68,821”

HDFC Bank Integrated Annual Report 2022-23 · page 22 · Source ↗

Different basis: Gross advances for March 2022 could not be found in a filing we could extract. This is the Advances figure (net of provisions) from the bank's key highlights in the FY23 annual report; gross advances would be roughly 1% higher.

Loan book, Mar 2023: ₹16.14 lakh crore

“Total 14,082 16,142 16,300”

HDFC Bank Earnings Presentation Q1 FY24 · page 8 · Source ↗ · printed in billion

HDFC Bank on its own, before the merger with HDFC Ltd. The 'Total' row is advances net of IBPC/BRDS, the same line later labelled Gross Advances.

Loan book, Mar 2024: ₹25.08 lakh crore

“Gross Advances 24,693 25,078”

HDFC Bank Earnings Presentation Q4 FY24 · page 9 · Source ↗ · printed in billion

New basis from here: its merger with HDFC Ltd in July 2023.

HDFC Ltd merged into HDFC Bank on 1 July 2023, so the jump from March 2023 is mostly the merger. The bank's deck puts growth excluding the merger at 17.3%.

Loan book, Mar 2025: ₹26.44 lakh crore

“Gross Advances 26,435 28,446 29,600”

HDFC Bank Earnings Presentation Q4 FY26 · page 10 · Source ↗ · printed in billion

Loan book, Mar 2026: ₹29.60 lakh crore

“Gross Advances 26,435 28,446 29,600”

HDFC Bank Earnings Presentation Q4 FY26 · page 10 · Source ↗ · printed in billion

Loan book, Sep 2026: ₹32.20 lakh crore

“Gross Advances 27,692 30,608 32,195”

HDFC Bank Earnings Presentation Q2 FY27 · page 10 · Source ↗ · printed in billion

Corporate and wholesale loans, Mar 2023: ₹4.10 lakh crore

“Wholesale 3,639 4,097 4,046”

HDFC Bank Q1 FY24 earnings presentation · page 8 · Source ↗ · printed in billion

March 2023 column (₹ 4,097 billion) of the June 2023 quarter presentation, which shows June 2022, March 2023 and June 2023 side by side; the segment is labelled Wholesale. HDFC Bank on its own, before the merger with HDFC Ltd.

Corporate and wholesale loans, Mar 2024: ₹5.11 lakh crore

“Corporate and other wholesale 5,109 4,806 4,926”

HDFC Bank Q4 FY25 earnings presentation · page 11 · Source ↗ · printed in billion

First figure after HDFC Ltd merged into HDFC Bank on 1 July 2023, so it includes the former HDFC Ltd business and is not comparable with March 2023. March 2024 column (₹ 5,109 billion) as regrouped in the March 2025 quarter presentation. The March 2024 presentation itself showed ₹ 4,268 billion (₹ 426,800 crore), which left out about ₹ 807 billion of former HDFC Ltd non individual loans shown on a separate line.

Corporate and wholesale loans, Mar 2025: ₹7.18 lakh crore

“Corporate & other wholesale 7,177 7,717 8,108”

HDFC Bank Q4 FY26 earnings presentation · page 10 · Source ↗ · printed in billion

March 2025 column (₹ 7,177 billion) as restated in the March 2026 quarter presentation, which regrouped the loan segments and replaced Commercial and Rural Banking with a Small and mid market segment. The March 2025 presentation showed ₹ 4,926 billion (₹ 492,600 crore) on the older basis, so this figure is not comparable with March 2024 and earlier.

Corporate and wholesale loans, Mar 2026: ₹8.11 lakh crore

“Corporate & other wholesale 7,177 7,717 8,108”

HDFC Bank Q4 FY26 earnings presentation · page 10 · Source ↗ · printed in billion

March 2026 column (₹ 8,108 billion), on the regrouped segment basis used from the March 2026 quarter; comparable with the restated March 2025 figure, not with March 2024 and earlier.

Corporate and wholesale loans, Sep 2026: ₹8.64 lakh crore

“Corporate & other wholesale 7,416 8,401 8,635”

HDFC Bank Q2 FY27 earnings presentation · page 10 · Source ↗ · printed in billion

September 2026 column (₹ 8,635 billion), same segment basis as March 2025 and March 2026.

Deposits, Mar 2022: ₹15.59 lakh crore

“to ` 1,559,217 crore from ` 1,335,060 crore”

HDFC Bank Integrated Annual Report 2021-22 · page 134 · Source ↗

From the Statutory Reports section of the annual report, which says Total Deposits rose by 16.8 per cent to this figure. The ` sign is how the rupee symbol prints in the PDF text.

Deposits, Mar 2023: ₹18.83 lakh crore

“Total Deposits showed a healthy growth and were at ₹ 1,883,395 crore as of March 31,”

HDFC Bank press release, results for the quarter and year ended March 31, 2023 · page 2 · Source ↗

Deposits, Mar 2024: ₹23.80 lakh crore

“Total Deposits were at ₹ 23,798 billion as of March 31, 2024”

HDFC Bank press release, results for the quarter and year ended March 31, 2024 · page 3 · Source ↗ · printed in billion

First figure after HDFC Ltd merged into HDFC Bank on 1 July 2023, so it includes the former HDFC Ltd business and is not comparable with March 2023.

Deposits, Mar 2025: ₹27.15 lakh crore

“Total EOP Deposits were at ₹ 27,147 billion as of March 31, 2025”

HDFC Bank press release, results for the quarter and year ended March 31, 2025 · page 2 · Source ↗ · printed in billion

Deposits, Mar 2026: ₹31.05 lakh crore

“Total EOP Deposits were at ₹ 31,053 billion as of March 31, 2026”

HDFC Bank press release, results for the quarter and year ended March 31, 2026 · page 2 · Source ↗ · printed in billion

Deposits, Sep 2026: ₹33.27 lakh crore

“Total EOP Deposits were at ₹ 33,274 billion as of September 30, 2026”

HDFC Bank press release, results for the quarter ended September 30, 2026 · page 2 · Source ↗ · printed in billion

CASA ratio, Mar 2022: 48.20%

“CASA Deposits accounted for 48.2 per cent of Total”

HDFC Bank Integrated Annual Report 2021-22 · page 134 · Source ↗

CASA ratio, Mar 2023: 44.40%

“resulting in CASA deposits comprising 44.4% of total deposits as of March 31, 2023.”

HDFC Bank press release, results for the quarter and year ended March 31, 2023 · page 2 · Source ↗

CASA ratio, Mar 2024: 38.20%

“resulting in CASA deposits comprising 38.2% of total deposits as of March 31, 2024.”

HDFC Bank press release, results for the quarter and year ended March 31, 2024 · page 3 · Source ↗

First figure after HDFC Ltd merged into HDFC Bank on 1 July 2023, so it includes the former HDFC Ltd business and is not comparable with March 2023.

CASA ratio, Mar 2025: 34.80%

“resulting in CASA deposits comprising 34.8% of total deposits as of March 31, 2025.”

HDFC Bank press release, results for the quarter and year ended March 31, 2025 · page 3 · Source ↗

CASA ratio, Mar 2026: 34.10%

“resulting in CASA deposits comprising 34.1% of total deposits as of March 31, 2026.”

HDFC Bank press release, results for the quarter and year ended March 31, 2026 · page 2 · Source ↗

CASA ratio, Sep 2026: 31.60%

“resulting in CASA deposits comprising 31.6% of total deposits as of September 30, 2026.”

HDFC Bank press release, results for the quarter ended September 30, 2026 · page 2 · Source ↗

Branches, Mar 2022: 6,342

“distribution network was at 6,342 branches and 18,130 ATMs”

HDFC Bank Integrated Annual Report 2021-22 · page 135 · Source ↗

Branches, Mar 2023: 7,821

“As of March 31, 2023, the Bank’s distribution network was at 7,821 branches and 19,727”

HDFC Bank press release, results for the quarter and year ended March 31, 2023 · page 3 · Source ↗

Branches, Mar 2024: 8,738

“As of March 31, 2024, the Bank’s distribution network was at 8,738 branches and 20,938”

HDFC Bank press release, results for the quarter and year ended March 31, 2024 · page 4 · Source ↗

First figure after HDFC Ltd merged into HDFC Bank on 1 July 2023, so it includes the former HDFC Ltd business and is not comparable with March 2023.

Branches, Mar 2025: 9,455

“As of March 31, 2025, the Bank’s distribution network was at 9,455 branches and 21,139”

HDFC Bank press release, results for the quarter and year ended March 31, 2025 · page 4 · Source ↗

Branches, Mar 2026: 9,689

“As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172”

HDFC Bank press release, results for the quarter and year ended March 31, 2026 · page 3 · Source ↗

Branches, Sep 2026: 9,706

“distribution network was at 9,706 branches and”

HDFC Bank press release, results for the quarter ended September 30, 2026 · page 3 · Source ↗

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at HDFC Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Its last results, as an alert

CreditBrief Insightsto you

HDFC Bank, Q2 FY2026-27: loan book ₹32.20 lakh crore, +8.8% since March

₹32.20 lakh crore lent out by Q2 FY2026-27
Biggest segment: Mortgage, 29% of the book
Every figure links to page 10 of its filing

Chapter 03 · Among its peers

2nd biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 13.9% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

1State Bank of India₹49.33 lakh crore
2HDFC Bank₹29.60 lakh crore
3ICICI Bank₹15.54 lakh crore
4Bank of Baroda₹14.30 lakh crore
5Punjab National Bank₹12.59 lakh crore
6Canara Bank₹12.38 lakh crore
7Axis Bank₹12.34 lakh crore
8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at HDFC Bank

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

Open the careers page ↗

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

Loan book and segmentsHDFC Bank Earnings Presentation Q2 FY27, PDF page 10 ↗Q2 FY2026-27, balance on 30 Sep 2026
Logo and nameBelong to the lender and only identify it. CreditBrief is independent and not linked to any lender.

What HDFC Bank lends, and to whom

₹29.60 lakh crore lent out by March 2026. To whom?

Growing 21% a year since March 2022.

Know what moved at HDFC Bank, the week its results land.

2nd biggest of 33 banks we cover, March 2026.

Getting in.

Jobs at HDFC Bank

Read next

Prepare for the interview

Every number, traced to its filing.

Similar lenders

₹29.60 lakh crore lent out by March 2026. To whom?

Growing 21% a year since March 2022.

Know what moved at HDFC Bank, the week its results land.

2nd biggest of 33 banks we cover, March 2026.

Getting in.

Jobs at HDFC Bank

Read next

Prepare for the interview

Every number, traced to its filing.

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