'HDFC Bank conducted a conference call on 17 January 2026 to discuss the financial results for the quarter ended December 2025. Sashidhar Jagdishan, MD&CEO of the bank addressed the call:
Highlights:
The performance of the bank has been in line with expectations.
The credit growth has been extremely encouraging across customer segments. The easing rate cycle and the benign credit environment has proved a catalyst for credit growth. The CRR release enabled credit deployment slightly ahead of expectations.
As regards funding through deposits, the bank continues to maintain rate discipline and that has been extremely key.
The core individual retail customer segments were seen to be quite strong for both current and savings deposits, having focused on granular segments has given encouraging outcomes.
The cost of funds has moved down reflecting the tailwind effects. The Casa growth has been positive.
Cost has been under control as ...
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