Financial Performance Evaluation of HDFC Bank: An Empirical Study

Author(s): Dr. K Gunasundari and Tintu Mathew

Abstract:

This study evaluates the financial performance of HDFC Bank, a leading private sector bank in India, on the basis of key indicators such as asset quality (NPAs), capital adequacy (CAR), and earnings quality, using the CAMEL-framework approach. Using published quarterly and annual data from 2023 to 2025, the analysis reveals that HDFC Bank maintained robust capital buffers, managed non-performing assets at low levels, and delivered consistent profitability and earnings growth. Despite moderate fluctuations in NPA ratios post-merger, the bank’s strong CAR and stable earnings indicate resilience and overall financial health. The findings suggest that HDFC Bank continues to be a well-managed institution, capable of absorbing credit and macroeconomic shocks.

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Pages: 133-135     |    24 View     |    3 Download