HDFC Bank Stock Gains 3% as Q4 Deposits Surge 14% to Record Rs 31,055 Billion

Synopsis: HDFC Bank posts record Q4FY26: Loans up 12% YoY to Rs 29,600B, deposits surge 14% to Rs 31,055B. Strong CASA growth signals customer trust ahead of April 18 full results.

India’s largest private sector bank ended the March 2026 quarter on a high note. HDFC Bank reported double-digit growth in both loans and deposits. The numbers signal a healthy appetite for credit and steady customer trust. The full audited results are due on April 18, 2026.

Stock Holds Ground Despite a Rough Patch

HDFC Bank‘s shares are trading this week 3.07% higher at Rs 768.25, after slipping to a 52-week low of Rs 726.65 during a volatile trading session. The stock trades significantly below its 50-day and 200-day moving averages, signaling a prevailing bearish sentiment. Whalesbook However, the bank’s operational performance tells a different story one of solid, consistent growth.

Loan Book Grows in Step With Demand

HDFC Bank’s gross advances rose sharply in the March 2026 quarter. They grew 12% year-on-year to roughly Rs 29,600 billion as of March 31, 2026. That compares with Rs 26,435 billion a year ago. Moreover, advances under management a broader measure reached Rs 30,575 billion at the period end. That marks a 10.2% rise over March 2025. On average, advances under management stood at Rs 29,644 billion for the quarter. This reflects steady 10% growth year-on-year.

Customers Park More Money

Deposits grew even faster than loans. The bank’s total deposits at period end reached Rs 31,055 billion. That is a strong 14.4% jump compared to Rs 27,147 billion a year ago. Furthermore, average deposits for the quarter stood at Rs 28,511 billion up 12.8% year-on-year. Time deposits drove a big part of this surge. They rose 15.5% to Rs 20,450 billion at period end. Meanwhile, CASA deposits current and savings accounts grew 12.3% to Rs 10,605 billion.

CASA Growth

CASA deposits are cheaper for banks to hold and reflect customer loyalty. HDFC Bank’s average CASA deposits for the quarter stood at Rs 9,184 billion. That is a 10.8% rise over Rs 8,289 billion in March 2025. This steady growth in low-cost deposits shows the bank is holding on to its core customer base. In addition, average time deposits climbed 13.7% to Rs 19,327 billion. Together, these figures point to a well-rounded funding mix.

HDFC Bank’s board will meet on April 18 to finalise and approve the audited results. A dividend recommendation for fiscal year 2025-26 is also on the agenda. Investors and analysts are watching closely for profit numbers and margin guidance. The Q4 update, therefore, sets a firm and optimistic tone ahead of the big reveal.

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