adminHDFC Bank Limited (HDB) Q4 2026 Earnings Call April 18, 2026 6:30 AM EDT
Company Participants
Srinivasan Vaidyanathan – Chief Financial Officer
Sashidhar Jagdishan – MD, CEO & Director
Kaizad Bharucha – Deputy MD & Director
Conference Call Participants
Mahrukh Adajania
Nitin Aggarwal – Motilal Oswal Securities Limited, Research Division
Kunal Shah – Citigroup Inc., Research Division
Pranav Gundlapalle – Bernstein Institutional Services LLC, Research Division
Seshadri Sen – Emkay Global Financial Services Ltd., Research Division
Rikin Shah – IIFL Research
Abhishek Murarka – HSBC Global Investment Research
Piran Engineer – CLSA Limited, Research Division
Presentation
Operator
Ladies and gentlemen, good day, and welcome to HDFC Bank Limited Q4 and Full Year FY 2026 Earnings Conference Call on the financial results presented by the management of HDFC Bank. [Operator Instructions] Please note that this conference is being recorded.
I now hand the conference over to Mr. Srinivasan Vaidyanathan, Chief Financial Officer, HDFC Bank. Thank you, and over to you, Mr. Vaidyanathan.
Srinivasan Vaidyanathan
Chief Financial Officer
Thank you. Thank you, Nirav. Good evening, and warm welcome to all the participants. Today, we have with us our Chairman, Mr. Keki Mistry; our CEO, Mr. Sashi Jagdishan; and our Deputy Managing Director, Mr. Kaizad Bharucha.
I will hand off for opening remarks to Sashi. Over to you, Sashi, then we can get on to the other agenda.
Sashidhar Jagdishan
MD, CEO & Director
Thank you, Srini, and thank you all. Good afternoon to you, and welcome to the full year FY ’26 annual results call. Let me dive straight into the key aspects of FY ’26 performance. We had estimated the system credit growth to be around 10.5% to 11.5%. We did 12%, up from 5.5% last year. As you can see, there is positive momentum as we had expected. Deposit growth rate at 14.4% continues to grow faster than the credit growth, which is what we’ve always been doing. The growth rate is better than the
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