HDFC Bank Limited (HDFCBANK.NS) Bundle
Step into the world of HDFC Bank Limited-founded in 1994 and now India's largest private sector bank by assets and market cap-where a clear mission and vision to be a world-class Indian bank underpin operations that span more than 8,700 branches and 20,900 ATMs across 3,836 cities and villages (as of March 2024); recognized as a Domestic Systemically Important Bank (D-SIB) and ranked the 10th largest bank globally by market capitalization in 2025, HDFC Bank marries customer-centricity and sustainable profitability with five core values-Operational Excellence, Customer Focus, Product Leadership, People, and Sustainability-that drive product innovation, ethical governance, and the risk-aware growth strategies shaping retail, wholesale, insurance, and asset management for millions of customers, businesses and NRIs.
HDFC Bank Limited (HDFCBANK.NS) - Intro
HDFC Bank Limited, headquartered in Mumbai, is India's largest private sector bank by assets and market capitalization. Established in 1994, it offers a comprehensive range of financial services spanning retail and wholesale banking, insurance, and asset management. The Reserve Bank of India designates HDFC Bank as a Domestic Systemically Important Bank (D-SIB), underscoring its critical role in India's financial stability.- Branches (Mar 2024): over 8,700
- ATMs (Mar 2024): 20,900+
- Geographic reach: 3,836 cities and villages
- Global ranking (2025): 10th largest bank by market capitalization
| Attribute | Detail / Metric |
|---|---|
| Incorporation | 1994 |
| Headquarters | Mumbai, India |
| Branch network (Mar 2024) | 8,700+ |
| ATMs (Mar 2024) | 20,900+ |
| Presence | 3,836 cities & villages |
| Regulatory status | Domestic Systemically Important Bank (D-SIB) |
| Global market cap rank (2025) | 10th largest bank |
Mission
- Deliver a superior banking experience to every customer through secure, accessible, and innovative financial solutions.
- Drive inclusive growth by expanding branch and ATM coverage to underserved towns and villages-reflected in presence across 3,836 locations as of Mar 2024.
- Maintain capital and operational resilience aligned with D-SIB obligations to protect depositors and systemic stability.
Vision
- To be the most preferred bank for customers, shareholders, and employees in India and a globally recognized financial institution (10th largest by market cap in 2025).
- Scale digital-first services while sustaining wide physical distribution-balancing 8,700+ branches with 20,900+ ATMs to meet diverse customer needs.
Core Values
- Customer Centricity - prioritize customer trust, safety, and ease across retail, corporate, and NRI segments.
- Integrity & Governance - strict compliance with RBI norms and robust risk management befitting a D-SIB.
- Innovation - invest in technology and digital channels to improve efficiency and widen reach.
- Inclusivity - expand affordable credit and banking access across urban and rural geographies.
- Performance & Accountability - deliver sustainable returns to shareholders while managing systemic responsibilities.
Further background and evolution of the bank, including historical milestones, ownership structure, and how the bank generates revenue, can be explored here: HDFC Bank Limited: History, Ownership, Mission, How It Works & Makes Money
HDFC Bank Limited (HDFCBANK.NS) - Overview
HDFC Bank's mission is to be a world-class Indian bank and the preferred provider of banking services for its target retail and wholesale customer segments, pursuing healthy profit growth in line with its risk appetite while upholding the highest standards of ethics, professional integrity, corporate governance, and regulatory compliance. This customer-centric, profit-aware mission has evolved to reflect scalable retail and wholesale strategies, digital transformation, and sustained emphasis on trust and transparency.- Customer focus: delivering retail, SME and corporate solutions tailored to segments that drive long-term franchise value.
- Profitability with prudence: target healthy growth consistent with defined risk appetite and capital adequacy.
- Ethical conduct: strict adherence to corporate governance, regulatory compliance and transparency.
- Innovation and efficiency: leveraging digital platforms to improve customer experience and lower cost-to-serve.
| Metric | Value |
|---|---|
| Net profit (FY2022-23) | ₹40,267 crore |
| Total assets (approx.) | ₹19.3 lakh crore |
| Advances / Loans | ₹11.8 lakh crore |
| Deposits | ₹13.5 lakh crore |
| CASA ratio | ~45.1% |
| ROE (post-tax) | ~15.1% |
| Gross NPA | ~1.10% |
| Net NPA | ~0.38% |
| Capital Adequacy (CRAR) | ~17.5% |
| Branch network | ~7,000+ branches |
| Customer accounts | ~6.0 crore+ |
- Board oversight: independent directors, risk and audit committees to ensure accountability.
- Risk framework: credit, market, operational and liquidity risk limits aligned to risk appetite.
- Regulatory engagement: proactive compliance with RBI norms and periodic disclosures.
- ESG and sustainability: initiatives in financial inclusion, digital access, and community programs.
- Customer-centric growth: CASA and retail liability mix support lower funding cost and scalable margins.
- Profitability with control: ROE and net NPA trends indicate disciplined credit underwriting and collections.
- Capital strength: CRAR provides headroom for loan growth consistent with risk appetite.
- Digital scale: branch-network plus digital customers drive efficiency in cost-to-income and service delivery.
HDFC Bank Limited (HDFCBANK.NS) - Mission Statement
HDFC Bank's mission is to be the preferred provider of banking services to its target retail and wholesale customer segments while delivering sustainable, risk-calibrated profitability and upholding the highest standards of ethics, governance, and regulatory compliance.- Deliver superior customer experience through digital-first, convenient banking products and services.
- Maintain healthy, consistent growth in profitability consistent with the bank's risk appetite and capital planning.
- Uphold professional integrity, robust corporate governance, regulatory compliance, and transparent disclosure.
- Invest in people, processes and technology to drive efficiency, resilience and long-term value for stakeholders.
- Customer preference: deepen relationships across target segments through product relevance and service excellence.
- Profitability with prudence: grow revenue and return on equity while adhering to defined risk limits.
- Ethics and governance: maintain high standards of compliance, disclosure and board oversight.
- Digital & operational excellence: scale technology-enabled channels to improve reach and unit economics.
- Customer First - decisions centered on creating long-term customer value.
- Integrity - ethical conduct, transparency and accountability in conduct and reporting.
- Excellence - continuous improvement in processes, risk management and service delivery.
- Inclusiveness - extending banking access across segments and geographies responsibly.
- Innovation - leveraging technology to simplify banking and improve productivity.
| Metric | Value (approx.) | Notes / Source Type |
|---|---|---|
| Consolidated Total Assets | ~ INR 20 lakh crore | Balance sheet size indicates scale of operations |
| Net Profit (FY) | ~ INR 36,700 crore | Annual profitability (recent FY) |
| Return on Equity (RoE) | ~ 15-17% | Indicator of shareholder returns |
| Gross NPA Ratio | ~ 1.2-1.4% | Asset quality measure |
| Capital Adequacy Ratio (CAR) | ~ 18-19% | Regulatory capital buffer |
| CASA Ratio | ~ 45-48% | Low-cost deposit mix supporting margins |
- Expand digital penetration to raise customer engagement while lowering cost-to-serve.
- Maintain disciplined credit underwriting to protect asset quality through cycles.
- Strengthen retail liability franchise (CASA) and diversified wholesale lending.
- Enhance governance, compliance and ESG alignment to preserve stakeholder trust.
HDFC Bank Limited (HDFCBANK.NS) - Vision Statement
HDFC Bank Limited's vision is to be a world-class bank driven by customer-centricity, technology-led product leadership, superior operational excellence, a high-performance culture, and sustained commitment to environmental, social and governance (ESG) outcomes. This vision cascades into measurable objectives across financial performance, customer metrics, employee engagement and sustainability targets.- Operational Excellence: deliver consistent, scalable, and low-friction services backed by best-in-class processes and controls.
- Customer Focus: anticipate and meet diverse customer needs across retail, SME and corporate segments.
- Product Leadership: lead with digital-first, innovative financial products and high adoption of value-added services.
- People: cultivate a skilled, ethical and motivated workforce that drives long-term value creation.
- Sustainability: integrate ESG principles into lending, investments and operations to reduce environmental footprint and increase social impact.
- Efficiency metrics: target low cost-to-income and high transaction throughput via automation and branch/digital mix optimization.
- Risk & compliance: maintain conservative credit underwriting and robust capital buffers aligned with RBI and Basel norms.
- Retail reach: grow customer base while improving share-of-wallet through cross-sell and personalised offerings.
- Service experience: shorten turnaround times, reduce digital drop-offs and increase Net Promoter Score (NPS).
- Digital adoption: scale mobile and internet banking usage, UPI volumes and API-enabled corporate services.
- Innovation pipeline: expand wealth, payments, lending and merchant-acceptance solutions to capture new revenue pools.
- Talent metrics: invest in reskilling, leadership pipelines and diversity to sustain growth in complexity and scale.
- Employee engagement: align incentives to customer outcomes and risk-aware behaviors.
- Green finance: increase proportion of sustainable lending and bonds; commit to reducing financed emissions where measurable.
- Social impact: scale financial inclusion, affordable housing, MSME support and community development programs.
| Indicator | Approx. Value |
|---|---|
| Total assets | INR 20-22 lakh crore |
| Total deposits | INR 15-17 lakh crore |
| Advances (loans) | INR 12-14 lakh crore |
| CASA ratio | ~45% |
| Net interest margin (NIM) | ~4.0-4.5% |
| Return on Assets (RoA) | ~1.6-1.9% |
| Return on Equity (RoE) | ~15-18% |
| Net profit (annual, consolidated) | Multiple tens of thousands of crores INR (FY figure varies by reporting period) |
- Branch + digital network optimization - balance customer touch with cost efficiency to improve cost-to-income ratio.
- Data-driven personalization - use analytics to increase cross-sell, reduce attrition and improve credit decisioning.
- Prudent capital allocation - prioritize high-return, low-risk retail and secured lending while selectively growing corporate exposures.
- ESG-linked products - expand green loans, sustainability-linked financing and internal carbon-reduction initiatives.
- Board oversight with dedicated committees for risk, audit, remuneration and ESG.
- Quarterly KPIs: NII, margins, credit cost, slippages, PCR (provision coverage ratio), cost-to-income and digital adoption metrics.
- Public disclosures: periodic financial reporting and sustainability reports benchmarked to global frameworks.
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