HDFC Bank is India's largest private bank, offering everything from savings accounts and loans to credit cards and digital payments for individuals and businesses across India and a few overseas hubs.
The bank earns primarily from net interest income on loans and deposits, with a net margin of 15.95% and gross margin of 60.39% (TTM). Revenue is recurring, driven by ongoing lending and deposit activity.
HDFC Bank's moat is solid due to its massive branch network (6,342 branches, 18,130 ATMs) and entrenched customer relationships, making it hard for competitors like ICICI Bank, Axis Bank, or State Bank of India to displace its franchise.
Sell (sector percentile 23) — value C, growth A, profitability B-, momentum F. Updated daily, sector-relative, identical for every user.
