NSE: HDFCBANKEquitiesMarket Segment
HDFCBANK
Last Synchronized: 07:13:48 pm IST
Financial Performance (TTM)
Audited BasisShareholding Pattern
Major HoldersData sourced from official exchange shareholding regulatory disclosures.
INSTITUTIONAL DESK COVERAGE
Research Analyst View & Investment Thesis
Investment Thesis
HDFC Bank is traversing the inflection point of its landmark merger. As loan-to-deposit ratio (LDR) normalizes from ~110% toward the 90% benchmark via robust branch-led deposit mobilization, Net Interest Margin (NIM) is poised to expand by 25-30 bps. The stock trades at historical valuation discounts relative to its 10-year average P/B.
Catalysts & Valuation View
Reduction in CD ratio below 90%, sustained 18-20% deposit growth trajectory, listing of subsidiary HDB Financial Services, and potential MSCI weight increments.