Who is the CEO of HDFC Bank?
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The CEO and Managing Director of HDFC Bank is Sashidhar Jagdishan.
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Established in 1994, HDFC Bank Limited is one of India's premier private sector banks. Headquartered in Mumbai, the bank commenced operations as a scheduled commercial bank in January 1995. Over the years, HDFC Bank has expanded its footprint across the country, offering a wide range of banking and financial services. The bank's growth trajectory has been marked by consistent performance, technological innovation, and customer-centric services.
HDFC Bank operates within the Indian banking and financial services industry, a sector characterised by rapid digital transformation and increasing competition. The bank offers services across retail banking, wholesale banking, and treasury operations. Its strong presence in both urban and rural areas positions it advantageously to cater to a diverse customer base, aligning with the sector's emphasis on financial inclusion and digital banking solutions.
HDFC Bank's operations encompass several key business areas:
HDFC Bank's mission is to be a world-class Indian bank, benchmarking itself against international standards and best practices in terms of product offerings, technology, service levels, risk management, and audit & compliance. The bank aims to build sound customer franchises across distinct businesses to be the preferred provider of banking services for target retail and wholesale customer segments.
Over the years, HDFC Bank has achieved several significant milestones:
In the fourth quarter of FY25, HDFC Bank reported a net profit of ₹17,622 crore, marking a 6.7% year-on-year increase. The bank's net interest income (NII) rose by 10.3% to ₹32,070 crore during the same period. Additionally, the bank declared a dividend of ₹22 per share, with a record date set for June 27, 2025.
HDFC Bank has demonstrated consistent financial growth over the years. In FY25, the bank's net revenue stood at ₹44,090 crore, compared to ₹47,240 crore in FY24. The bank's focus on expanding its retail and digital banking services has contributed to its robust financial performance.
As of the latest financial reports:
In Q4 FY25, HDFC Bank's net profit increased by 6.7% year-on-year to ₹17,622 crore. The bank's net interest income also saw a 10.3% rise, reaching ₹32,070 crore. These results reflect the bank's strong operational performance and strategic focus on expanding its digital and retail banking services.
Over the past year, HDFC Bank's share price has experienced fluctuations influenced by market conditions and company performance. As of May 28, 2025, the share price stood at ₹1,923.50. The stock has shown resilience, supported by the bank's strategic initiatives and steady financial results.
HDFC Bank's share price reached a 52-week high of ₹1,949.90 and a low of ₹1,708.90. These figures reflect the stock's volatility and the broader market trends impacting the banking sector.
The stock's beta over the past year is 1.1, indicating moderate volatility compared to the broader market. HDFC Bank's market capitalisation stands at ₹14,79,633 crore, positioning it as a significant player in the Indian banking industry.
As of the latest financial reports:
These indicators suggest that HDFC Bank maintains a solid financial foundation, with profitability and efficient use of equity capital.
HDFC Bank has a consistent track record of dividend payments. For FY25, the bank declared a dividend of ₹22 per share, reflecting its commitment to returning value to shareholders.
As of March 31, 2025:
This diversified shareholding structure indicates a balanced ownership distribution among various investor categories.
HDFC Bank operates in a competitive landscape alongside several key players:
Company | P/E Ratio | Dividend Yield |
HDFC Bank | 20.90 | 1.14% |
ICICI Bank | 19.50 | 1.20% |
Axis Bank | 17.80 | 1.00% |
Kotak Mahindra Bank | 22.30 | 0.90% |
State Bank of India | 12.50 | 1.50% |
Note: Data as of March 31, 2025.
HDFC Bank is a well-recognised and trusted financial institution in India, widely regarded for its strong presence in retail and digital banking. The bank has consistently maintained industry leadership through innovative digital platforms, customer-focused services, and strong credit underwriting. With over 5,000 branches and 13,000+ ATMs, it has a deep penetration in both urban and semi-urban markets. This broad presence has enabled it to attract a vast customer base, including salaried individuals, small businesses, large corporations, and government bodies.
HDFC Bank’s leadership in credit cards, personal loans, and home loans demonstrates its market dominance in the retail segment. It's prudent risk management, low non-performing assets (NPAs), and advanced digital infrastructure further strengthen its market positioning. Even in the highly competitive banking sector, HDFC Bank stands out for its consistent growth, conservative asset quality, and strong brand equity. The bank continues to invest in AI, mobile banking, and next-gen financial services to maintain its edge in a fast-evolving digital-first banking environment.
HDFC Bank’s long-term growth is supported by its expanding digital infrastructure, robust retail lending engine, and merger synergies post the HDFC Ltd. amalgamation. The bank is poised to benefit from increased demand for home loans, credit cards, and small business lending as India’s economy grows. With a growing middle class and increasing digital adoption, HDFC Bank has the opportunity to scale mobile banking, digital onboarding, and customised lending solutions across Tier 2 and Tier 3 cities.
The bank also plans to ramp up its international operations and explore new lending segments such as green finance and ESG-linked credit products. It continues to invest in new-age fintech partnerships, AI-driven credit analytics, and rural financial inclusion programmes. These initiatives are expected to contribute significantly to revenue diversification, operating efficiency, and customer retention in the years ahead.
Despite its strong fundamentals, HDFC Bank is not without challenges. One of the primary risks is regulatory uncertainty, particularly concerning RBI’s supervision of digital lending practices, interest rate controls, and exposure norms. The integration post the HDFC-HDFC Bank merger also introduces potential operational and credit risks, especially in aligning underwriting practices and managing balance sheet growth.
Additionally, rising interest rates could impact demand for retail loans and pressure margins. The banking sector is also witnessing increasing competition from both traditional banks and agile fintech firms, which may affect HDFC Bank’s market share in certain segments. Cybersecurity threats and the need for continuous digital upgrades also pose significant challenges in today’s connected banking ecosystem.
You can track HDFC Bank share price through the official websites of BSE (Bombay Stock Exchange) and NSE (National Stock Exchange), where it is listed under the symbol HDFCBANK. Share price data is updated in real time and includes open, close, high, low, and volume statistics. Investors can also monitor the stock via financial news platforms, stock market apps, and brokerage terminals.
To get a broader view of HDFC Bank’s performance, you can refer to financial analysis websites and investor relations sections on the bank’s official website. Price tracking tools with alerts, historical charts, and analyst commentary can help you make informed decisions. For fundamental investors, quarterly earnings, dividend declarations, and regulatory filings are key resources to evaluate the HDFC Bank share price movements over time.
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The CEO and Managing Director of HDFC Bank is Sashidhar Jagdishan.
HDFC Bank is a private sector bank and is publicly listed on both NSE and BSE.
HDFC Bank is listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) under the symbol HDFCBANK.
You can buy HDFC Bank shares through any SEBI-registered broker or investment platform by opening a demat and trading account.
The face value of HDFC Bank shares is ₹1.00 per share.
Yes, HDFC Bank has issued stock splits and bonuses in the past. Specific details are available in company filings.
The official website is www.hdfcbank.com. Contact information is available on the ‘Contact Us’ page.
Yes, HDFC Bank provides regular investor updates, earnings presentations, and annual reports under the Investor Relations section of its website.
Yes, HDFC Bank is part of major indices including Nifty 50, BSE Sensex, and sectoral banking indices.
HDFC Bank earns income by offering banking services like deposits and loans, and makes profits through interest income, service fees, and digital financial solutions.
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