HDFC Bank’s shares dropped about 1.6% on Monday even though the bank reported solid growth in loans and deposits for the December quarter.
Loan book keeps expanding
The average amount of loans under management grew 9% to roughly ₹28.64 lakh crore, up from ₹26.28 lakh crore a year earlier. By the end of December, the total loans reached about ₹29.46 lakh crore, a 9.8% rise.
Deposits surge
Average deposits rose 12.2% to ₹27.52 lakh crore. CASA (current‑account savings‑account) deposits increased 9.9% to ₹8.98 lakh crore, while term deposits grew 13.4% to ₹18.54 lakh crore. Total deposits at quarter‑end were ₹28.60 lakh crore, 11.5% higher than a year ago.
Share price performance
- Shares fell 1.64% to ₹984.60 on Jan 5.
- The stock is down 1.53% over the past month and 0.58% over six months.
- It has risen more than 15% in the last year and 38% in the past five years.
- 52‑week high: ₹1,020.35 (Oct 23 2025); 52‑week low: ₹812.13 (Jan 13 2025).
What’s next?
The bank will release its full Q3 earnings on Jan 17. Investors will get a clearer picture of profitability and any guidance for the next quarter.
Bottom line
Despite a short‑term dip in the share price, HDFC Bank’s loan and deposit growth remain strong, suggesting a solid underlying business. Keep an eye on the Jan 17 results for more detail.
Remember, this is just my take on the news, not a prediction. Do your own research or talk to a financial adviser before making any decisions.