Authors: Bejjanki Shiva Teja, Professor Dr.S.Narender
Abstract: Financial performance appraisal is a key factor to measure effectiveness of any organization or Industry. Commercial banks in India and abroad use several techniques to find out their financial stability and status. HDFC Bank stands as a leader among India’s private sector banks, offering a diverse array of banking and financial services tailored for both individuals and businesses. Renowned for its robust financial results and commitment to customer satisfaction, the bank embraces innovative digital banking solutions. This study analyzes the financial performance of HDFC Bank Limited over the five-year period FY2020–21 to FY2024–25 using secondary data from published annual reports, RBI databases, and financial platforms. The research employs Ratio Analysis, Trend Analysis, and Comparative Analysis across ten financial performance dimensions. [Key findings reveal that Net Profit grew 116% to ₹67,200 crore, Gross NPA remained below 1.32% throughout lowest in Indian banking and Capital Adequacy consistently exceeded RBI minimums by 5–7 percentage points. The landmark HDFC Limited merger in FY2023–24 caused transitional NIM compression (3.60%) and CASA dilution (38.20%) while significantly expanding balance sheet size to ₹35+ lakh crore. Cost-to-Income ratio remained industry-best at 37.80–40.20% throughout the study period.] The study tries to find out the performance of HDFC in comparison to other scheduled banks. This study concludes that HDFC Bank demonstrates exceptional financial performance resilience and the post-merger recovery trajectory confirms its sustained competitive strength in Indian commercial banking.
