HDFC Bank Limited
HDFC Bank Limited is classed by the SEC under Commercial Banks, NEC (industry code 6029), based in India, IN. In its latest annual figures on file, for the fiscal year ended 2025-03-31, it reported revenue of $26 billion and a profit of $7.9 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6029, Commercial Banks, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.2 out of ten, 8 of 9 metrics filed and 1 estimated: past 5.2 out of ten, present 5.4 out of ten, future 4.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 5.9 out of ten. No warning events in its filings since 2017. 59th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.8 out of ten. +21.9% a year over 10 filed years; profitable in 10 of 10. 78th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 2.4 out of ten. Share count grew 11.2% a year. 12% of cash flow returned. Insiders: 4 sales, 0 purchases. 24th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 3.8 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 82%: owes 82¢ per asset dollar. 38th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.7 out of ten. top 23% of 21 in its family; net margin 30.8%. 77th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 15 of 100 (universe median). 50th percentile among 3814 sector filers. A CrossAssetData estimate, not a filed reading: universe median, confidence 15 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 4.0 out of ten. bottom 40% of 19 in its family for room to expand. 40th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 7.5 out of ten. top 25% of 22 in its family for growth drivers. 75th percentile among 22 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.1 out of ten. bottom 31% of 20 in its family for expectations against reality. 31st percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-07-29 for the period ended 2026-03-31 (on EDGAR). Newest filing: Form 6-K, 2026-10-08. Filings on record since 2002. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2026: Retail Banking 53%, Insurance Services 30%, Wholesale Banking 12%, Treasury Services 3%, All Other 2%. As tagged in its annual report (Form 20-F, filed 2026-07-29).
Who runs it
Jagdishan, Sashidhar (MD & CEO); Srinivasan, N (Group Head - Operations); Rajput, Rakesh Kumar (Group Head - Compliance); Parthasarthy, Ashish (Group Head - Treasury); Bhavnani, Anil (Group Head - Transportation); Shah, Nirav Vimal (Group Head Corporate Banking); Lakshminarayanan, Ramesh A (Group Head - Tech & Digital); Mavinkurve, Vinayak (Group Head-Realty Business); Agarwal, Ajay Giridharilal (Group Head - Secretarial); D, Souza Sanjay John (GroupHead-EmergingEnterprises); and 23 more. 33 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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