HDFC Bank Q3 Preview: Stable Margins ke beech Kam Profit Growth ki Umeed

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AuthorRiya Kapoor|Published at:
HDFC Bank Q3 Preview: Stable Margins ke beech Kam Profit Growth ki Umeed
Overview

HDFC Bank 17 January 2026 ko apne Q3FY26 results announce karegi. Analysts ek transitional quarter expect kar rahe hain jahan net interest margins stable rahenge aur loan growth improve hogi. Lekin, deposit mobilization par pressure aur kam treasury gains profit growth ko control kar sakte hain, jiske liye net profit 5-11% year-on-year tak estimate kiya ja raha hai.

HDFC Bank 17 January 2026 ko apne third-quarter results announce karne wali hai. Analysts is report ko banking giant ke liye ek important transitional phase maan rahe hain, jismein loan expansion badhne aur net interest margins (NIMs) stabilize hone ki ummeed hai.

Market consensus ke mutabiq, HDFC Bank ke December 2025 quarter mein gradual earnings recovery hogi. Loan growth acceleration ki ummeed hai, par liability-side management par pressure aur kam treasury income kuch gains ko offset kar sakte hain. Net interest income (NII) mein 4-7% year-on-year growth aur net profit mein 5-11% increase ka estimate hai. NIMs sequentially flat ya thoda kam rahne ki ummeed hai.

Nomura ne NII mein 7% YoY badhkar ₹32,900 crore hone ka forecast kiya hai, jo robust loan momentum aur balance sheet repricing se support hoga. Lekin, net profit growth 7% YoY ₹17,960 crore par moderate rahegi, jo kam treasury income aur deposit challenges ke karan sequentially 4% gir sakti hai. Nomura ko NIMs mein 5-basis point expansion aur loan aur deposit growth lagbhag 12% hone ka anuman hai. Bank ka loan-to-deposit ratio lagbhag 99% hai, jo future loan growth ke liye deposit mobilization ki zaroorat ko highlight karta hai. Credit costs thoda badhkar 0.6% ho sakte hain.

BNP Paribas steady earnings expect kar raha hai, jismein NII growth 4.9% YoY aur margins 3.5% par stable rehne ka forecast hai. Loan growth 11.8% estimate kiya gaya hai, jiska main driver retail aur commercial segments honge. Net profit 5% YoY badhkar ₹17,565 crore ho sakta hai, par sequentially 5.8% kam.

Systematix Institutional Equities ne NII growth 6.4% YoY ₹32,606.8 crore tak pahunchne ka projection diya hai. NIMs quarter-on-quarter marginally increase hone ki ummeed hai. Loan growth 12% YoY dekha ja raha hai, deposit growth thoda pichhad sakta hai. Brokerage PAT growth 11.2% YoY ₹18,604.3 crore estimate karta hai, jo controlled operating expenses aur benign credit costs se fayda uthayega.

ICICI Securities ne NII growth 4.4% YoY aur PAT growth 6.5% YoY ka forecast kiya hai, jismein NIMs 23 basis points YoY kam hokar 3.39% rahne ki ummeed hai. Slippages quarter-on-quarter lagbhag 19% badh sakte hain.

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