Image Source : NDTV
HDB Financial Services Ltd has reported a robust set of numbers for the June quarter of FY26, underscoring its operational strength and strategic growth momentum in India’s nonbanking financial sector.
Key Highlights:
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Total revenue from operations stood at Rs 44.65 billion, reflecting healthy traction across retail lending, consumer finance, and feebased services.
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Net profit for the quarter reached Rs 5.68 billion, supported by disciplined cost management and improved asset quality.
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Assets under management (AUM) as of June 30, 2025, surged to Rs 1.10 trillion, marking a 14.7% yearonyear growth.
Performance Drivers:
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The company’s secured loan portfolio, including vehicle finance and loan against property, continued to anchor growth, while personal loans and consumer durables added incremental volumes.
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Digital origination and analyticsled underwriting helped maintain low delinquency rates, with gross NPAs and net NPAs remaining well within industry benchmarks.
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Operating efficiency improved due to automation in collections and reduced vendor dependency, contributing to margin stability.
Strategic Outlook:
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HDB Financial is expected to deepen its footprint in Tier 2 and Tier 3 cities, leveraging its branch network and digital platforms.
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The company plans to expand its SME lending and gold loan verticals, while enhancing crosssell opportunities through its insurance and investment distribution arms.
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Analysts anticipate continued earnings momentum, backed by strong parentage from HDFC Bank and a diversified funding base.
Sources: Economic Times, Business Standard, Moneycontrol, CARE Ratings, HDB Financial Services Investor Disclosures
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