HDB Financial Services Limited has released its investor presentation for the unaudited financial results for the quarter and nine-months ended December 31, 2025. The company reported a total gross loan book of ₹1,14,577 crore as of December 31, 2025, representing a year-on-year growth of 12.2% and a sequential growth of 2.8%. The customer franchise expanded to 22.0 million, marking a 19.3% year-on-year increase and a 4.8% quarterly rise.

For the quarter ended December 31, 2025, disbursements stood at ₹17,917 crore, up by 10.1% year-on-year and 14.9% sequentially. Net interest income for the quarter was ₹2,285 crore, showing a 22.1% year-on-year increase and a 4.2% sequential rise. The Net Interest Margin (NIM) for Q3FY26 was 8.09%, compared to 7.46% in Q3FY25. Profit after tax for the quarter, excluding the impact of new labor codes, was ₹686 crore, a significant increase from ₹472 crore in the same quarter last year. The company maintained a strong Capital Adequacy Ratio (CRAR) of 21.81% as of December 31, 2025.

Asset quality metrics show Gross NPA at 2.81% and Net NPA at 1.25% as of December 31, 2025. The presentation also highlighted the company's diversified product portfolio, including Enterprise Lending, Asset Finance, and Consumer Finance, and its extensive distribution network of 1,744 branches across 1,165 cities and towns. The company emphasized its commitment to serving aspirational India, focusing on underbanked and underserved customers.