HDB Financial Services Limited has informed the Exchange about Transcript
HDBFS · price
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HDB Financial Services reported strong Q4FY26 results with PAT growing 16.6% sequentially to ₹751 crores. Gross loan book stood at ₹1,18,493 crores with 10.9% YoY growth. Disbursements hit an all-time high of ₹19,922 crores, up 11.2% QoQ. NIM improved to 8.23% from 8.09% in Q3. Asset quality marked a significant improvement with Gross Stage 3 reducing to 2.44% from 2.81%. Customer franchise expanded to 22.9 million. Management highlighted strong momentum in enterprise lending (28% sequential disbursement growth) and consumer finance. They maintained guidance for medium-term growth at Nominal GDP plus 6-7% CAGR, with credit cost expected in the 2.3% +/- range. The company is investing in AI-powered initiatives for collections and customer service, with DIY platform disbursements growing 2.2x in FY26.
The quarter demonstrates operational resilience with improving asset quality and margin profile. Strong disbursement momentum and multi-year medium-term guidance of Nominal GDP +6-7% CAGR signals healthy growth outlook. NIM guidance of maintaining 8%+ is a positive indicator for shareholder returns.