Housing Development Finance Corporation Limited Fundamentals

    Housing Development Finance Corporation Limited is one of the leading private banks in India and was one of the first to receive approval from the Reserve Bank of India (RBI) to establish a private sector bank in 1994. HDFC Bank was incorporated in August 1994. in the name of HDFC Bank Limited, registered office in Mumbai, India. The bank started its activity as a registered commercial bank in January 1995.

    Business area of the company

    HDFC Bank obliges a wide scope of banking administrations covering business and venture relying upon the discount side and value-based/branch counts on the retail side. The bank has three key business portions: Wholesale Banking, Treasury and Retail Banking.

    Discount Banking 

    The Bank's' target market is essentially huge, blue-chip producing organizations in the Indian corporate area and less significantly, little and medium sized corporates and agri-based organizations. For these clients, the Bank gives a wide scope of business and conditional financial administrations, including working capital money, exchange administrations, value-based administrations, cash the board, and so forth The bank is likewise a main supplier of organized arrangements, which join cash the executives administrations with merchant and wholesaler money for working with predominant production network the board for its corporate clients. In view of its predominant item conveyance/administration levels and solid client direction, the Bank has made critical advances into the financial consortia of various driving Indian corporates including multinationals, organizations from the homegrown business houses and prime public area organizations. It is perceived as a main supplier of money the executives and conditional financial answers for corporate clients, shared assets, stock trade individuals and banks. 


    Within this business, the bank has three fundamental item regions - Foreign Exchange and Derivatives, Local Currency Money Market and Debt Securities, and Equities. With the progression of the monetary business sectors in India, corporates need more complex danger the executives data, guidance and item structures. These and fine estimating on different depository items are given through the bank's' Treasury group. To follow legal save prerequisites, the bank is needed to hold 25% of its stores in government protections. The Treasury business is liable for dealing with the profits and market hazard on this speculation portfolio. 

    Retail Banking 

    The goal of the Retail Bank is to give its objective market clients a full scope of monetary items and banking administrations, giving the client a one-stop window for all his/her financial prerequisites. The items are sponsored by a-list administration and conveyed to clients through the developing branch organization, just as through elective conveyance channels like ATMs, Phone Banking, Net Banking and Mobile Banking. The HDFC Bank Preferred program for high total assets people, the HDFC Bank Plus and the Investment Advisory Services programs have been planned remembering needs of clients who look for unmistakable monetary arrangements, data and guidance on different speculation roads. The Bank additionally has a wide exhibit of retail advance items including Auto Loans, Loans against attractive protections, Personal Loans and Loans for Two-wheelers. It is additionally a main supplier of Depository Participant (DP) administrations for retail clients, giving clients the office to hold their interests in electronic structure.



    • Dun and Bradstreet - American Express Corporate Best Bank Award 2007 - ''Corporate Best Bank'' Award 
    • The Bombay Stock Exchange and Nasscom Foundation's' Business for Social Responsibility Awards 2007 - ''Best Corporate Social Responsibility Practice'' Award 
    • Standpoint Money and NDTV Profit - Best Bank Award in the Private area classification 
    • The Asian Banker Excellence in Retail Financial Services Awards - Best Retail Bank in India 
    • Asian Banker - Its Managing Director Aditya Puri wins the Leadership Achievement Award for India 


    • Money Asia Country Awards for Achievement 2008 - ''Best Bank and Best Cash Management Bank'' 
    • CNN-IBN - ''Indian of the Year (Business)'' 
    • Nasscom IT User Award 2008 - ''Best IT Adoption in the Banking Sector'' 
    • Business India - ''Best Bank 2008'' 
    • Forbes Asia - Fab 50 organizations in Asia Pacific 
    • Asian Banker Excellence in Retail Financial Services - Best Retail Bank 2008 
    • Asiamoney - Best nearby Cash Management Bank Award casted a ballot by Corporates 
    • Microsoft and Indian Express Group - Security Strategist Award 2008 
    • World Trade Center Award of honor - For remarkable commitment to global exchange administrations. 
    • Business Today-Monitor Group study - One of India's' ''Most Innovative Companies'' 
    • Monetary Express-Ernst and Young Award - Best Bank Award in the Private Sector classification 
    • Worldwide HR Excellence Awards - Asia Pacific HRM Congress: - ''Employer Brand of the Year 2007 - 2008'' Award - First Runner up, and some more. 
    • Business Today - ''Best Bank'' Award 


    • Business Standard Best Banker Award - Mr. Aditya Puri, MD, HDFC Bank 
    • Fe Best Bank Awards 2009 - Best Innovator of the year grant for its MD Mr. Aditya Puri - Second Best Private Bank in India - Best in Strength and Soundness Award 
    • Euromoney Awards 2009 - ''Best Bank in India'' 
    • Monetary Times Brand Equity and Nielsen Research yearly overview 2009 - Most Trusted Brand - Runner Up 
    • Asia Money 2009 Awards - ''Best Domestic Bank in India'' 
    • IBA Banking Technology Awards 2009 - ''Best IT Governance Award - Runner up'' 
    • Worldwide Finance Award - ''Best Trade Finance Bank in India for 2009 
    • IDRBT Banking Technology Excellence Award 2008 - ''Best IT Governance and Value Delivery'' 
    • Asian Banker Excellence in Retail Financial Services - ''Asian Banker Best Retail Bank in India Award 2009'' 


    • Standpoint Money 2010 Awards - Best Bank 
    • Businessworld Best Bank Awards 2010 - Best Bank (Large) 
    • Educator's' Achievement Awards 2010 (Business) - Mr. Aditya Puri 
    • The Banker and PWM 2010 Global Private Banking Awards - Best Private Bank in India 
    • Monetary Times Awards for Corporate Excellence 2010 - Business Leader of the Year - Mr. Aditya Puri 
    • Forbes Asia - Fab 50 Companies - fifth year straight 
    • NDTV Business Leadership Awards 2010 - Best private area bank 
    • The Banker Magazine - World's' Top 1,000 Banks 
    • MIS Asia IT Excellence Award 2010 - BEST BOTTOM-LINE I.T. Classification 
    • Dun and Bradstreet Banking Awards 2010 - Overall best bank, Best private area bank, Best private area bank in SME Financing 
    • Institutional Investor Magazine Poll - HDFC Bank MD, Mr. Aditya Puri among 'Asian Captains of Finance 2010' 
    • IDRBT Technology 2009 Awards - IT Infrastructure, Use of IT inside the Bank and Runners-up - IT Governance (Large Banks) 
    • ACI Excellence Awards 2010 - Highly Commended - Asia Pacific HDFC Bank 
    • FE-EVI Green Business Leadership Award - Best entertainer in the financial class 
    • Celent's' 2010 Banking Innovation Award - Model bank Award 
    • Avaya Global Connect 2010 - Customer Responsiveness Award - Banking and Financial Services class 
    • Forbes Top 2000 Companies - HDFC Bank at 632nd position and among 130 worldwide superior workers 
    • Monetary Express - Ernst and Young Survey 2009-10 - Best new private area bank, Best in development and Best in strength 
    • Asian Banker Excellence Awards 2010 - Best retail bank in India, Excellence in auto loaning, Best M&A reconciliation and innovation execution 
    • The Asset Triple An Awards - Best money the executives bank in India 
    • Euromoney Private Banking and Wealth Management Poll 2010 - Best neighborhood bank in India (second year straight), Best private financial administrations by and large (climbed from No. 2 last year) 
    • Monetary Insights Innovation Awards 2010 - Innovation in branch activities - worker solidification project 
    • Worldwide Finance Award - Best exchange finance supplier in India for 2010 
    • 2 Banking Technology Awards 2009 - Best danger the board drive and Best utilization of business knowledge 
    • SPJIMR Marketing Impact Awards (SMIA) 2010 
    • Business Today Best Employer Survey - Listed in top 10 best managers in the country 


    • CNBC TV18's' Best Bank and Financial Institution Awards - Best Bank and Mr. Aditya Puri, for exceptional money proficient 
    • Dun and Bradstreet Banking Awards 2011 - Best private area bank - SME Financing 
    • ISACA 2011 honor for IT Governance - Best practices in IT Governance and IT Security 
    • IBA Productivity Excellence Awards 2011 - New Channel Adopter (Private Sector) 
    • DSCI (Data Security Council of India) Excellence Awards 2011 - Security in bank 
    • Money ASIA Country Awards 2011: India - Best bank, best money the board bank and best exchange finance bank 
    • Asian Banker - Strongest bank in Asia Pacific 
    • Bloomberg UTV's' Financial Leadership Awards 2011 - Best bank 
    • IBA Banking Technology Awards 2010 - Technology bank of the year, best online bank, best client drive, best utilization of business knowledge, best danger the board framework and other participants - best monetary incorporation 
    • IDC FIIA Awards 2011 - Excellence in client experience 


    • Best Internet Bank - Winner 
    • Best Customer Management Initiative - Winner 
    • Best utilization of Mobility Technology in Banking 


    • Business Today - KPMG Study 2014
    • Dun & Bradstreet - Polaris Financial Technology Banking Awards 2014
    • Forbes Asia


    • Business Today Award 
    • Public Payments Excellence Awards 2015 
    • Forbes Asia 
    • AIMA Managing India Awards 2015 
    • Money Asia survey on Asia's' Best Companies 2015 
    • J. P Morgan Quality Recognition Award 


    • Institutional Investor All-Asia Executive Team positioning 2016 
    • BrandZ Top 50 Most Valuable Indian Brands 
    • Cisco-CNBC TV 18 Digitizing India Awards 
    • IBA Awards 
    • NABARD Award 


    • Business India nineteenth Best Bank study 
    • Forbes Asia's' thirteenth Fab 50 Companies List 
    • BrandZ Top 50 Most Valuable Indian Brands 
    • The Asset Triple An Asia Infrastructure Awards 2017 
    • Asiamoney India Banking Awards 2017 


    • UTI MF - CNBC TV18 Financial Advisor Awards 2018-19 
    • Euromoney Awards for Excellence 2019 
    • Business Today - Money Today Financial Awards 2019 
    • Nasscom DSCI Excellence Awards 2019 
    • Business Today - Money Today Financial Awards 2019


    • Asiamoney Best Bank Award 2020 
    • CNBC-TV18 India Business Leader Awards (IBLA) 2019-20

    Housing Development Finance Corporation Limited Stock Price Analysis and Quick Research Report

    Let’s scrutinize however HDFCBANK is acting and if it's the proper time to buy the stock of HDFCBANK with careful analysis.

    • For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. HDFC Bank has earned Rs 1,20,858.23 Cr. revenue in the latest financial year. It has posted decent revenue growth of 14.63 % in last 3 Years.
    • In terms of advances, the bank reported 14.00 % YOY,  rise . If you see 3 years advance growth, it stands at 19.83 %.
    • Currently the company has a CASA ratio of 46.12 %. It’s overall cost of liability stands at 3.81 %. Also, the total deposits from these accounts stood at Rs 13,35,060.22 Cr.
    • The Bank has a healthy ROA track record. The ROA of HDFC Bank is at 1.90 %.
    • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.32 % and 0.40 % respectively as on the latest financial year.
    • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 29.32 % which means it has increased from the previous year.
    • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of HDFC Bank surged and is currently at Rs 25,204.89 Cr.
    • The company has a Good Capital Adequacy Ratio of 18.79 .
    • The best metric which provides insights about bank’s valuation is P/B ratio. Currently HDFC Bank is trading at a P/B of 4.10 . The historical average PB was 3.96.


    HDFCBANK Mini Live Chart


    HDFCBANK Technical 

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