HDFC Bank recorded a 12 % rise in total loans during the December quarter, driven by steady demand across retail and corporate segments. The growth underscores continued momentum in credit offtake, as borrowers increasingly tap financing options amidst improving economic conditions and consumer confidence.

Key Highlights

• HDFC Bank reported 12% loan growth in the December quarter driven by steady retail demand.
• Strong credit offtake reflects improving economic conditions and sustained borrowing activity across segments.

The bank’s lending expansion was supported by strong performance in key areas such as home loans, personal loans, and business credit, reflecting broad-based demand across customer categories. Analysts noted that sustained credit appetite is a positive indicator of economic activity and bodes well for the banking sector’s asset quality and profitability metrics.

Alongside loan growth, HDFC Bank has maintained a disciplined approach to risk management, focusing on quality underwriting and portfolio diversification. Deposit mobilisation also remained robust, providing the bank with stable funding to support its expanding loan book.

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Overall, the December quarter results highlight HDFC Bank’s ability to navigate a competitive credit environment while maintaining prudent credit standards — a factor that continues to differentiate it among Indian lenders.