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HDFC Bank will announce its Q3 FY26 results today, on January 17. Experts expect the bank’s net profit to rise around 11% compared to last year. This growth is likely due to steady loan growth and healthy net interest income (NII), even though margins and deposit costs may face pressure.
Analysts expect HDFC Bank’s profit after tax to be between Rs. 17,700 and Rs. 18,892 crore. NII is likely to grow 4% - 8% year-on-year, helped by more loans and changes in interest rates. Core business operations are expected to stay strong, but some sequential challenges may slightly affect profits.
Loan growth remains strong, with estimates showing an increase of 11.8% - 13.2% year-on-year. Both retail and corporate loans are contributing to this growth. However, net interest margins may drop slightly because of higher funding costs and competition for deposits. The credit-deposit ratio will also be important, as it affects the bank’s liquidity and interest margins.
Asset quality is expected to stay stable. Slippages may rise a little due to seasonal trends, especially in agricultural loans. But overall, provisions could be lower than the previous quarter, which had one-off higher provisions.
HDFC Bank is also making moves to improve operations. The new Navi Mumbai office will support IT and IT-enabled services. Analysts say investors will watch deposit growth, margin guidance, and digital plans closely to understand future performance.
In short, HDFC Bank’s Q3 FY26 results are expected to show solid profit growth. Healthy loan growth, strong NII, and stable asset quality are likely to support the bank. Deposit trends and margin management will remain key to sustaining growth in the coming months.
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