Q1-FY27 · Jay Kumar Sha
Profit after tax for the quarter ended June 30, 2026 was 785 crores, our highest ever quarterly profit to date, an increase of 38.3% year-on-year.
HDBFS / language trends
Read confidence between the lines.
HDB Financial Services · tone and specificity signals across the available quarters.
Research layer active
Language signals
What changed in management language.
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Q1-FY27 · Romesh (Ji Romesh)
A lot of actions specifically taken on the ground in asset finance... we have rejigged our customer acquisition strategy to focus on businesses and products that help us deliver the return on asset that we as a company aspire to deliver.
Q1-FY27 · Jay Kumar Sha
The real challenge is that ECLGS is specifically around working capital... somebody can't use ECL just to buy a new commercial vehicle. It has to be so that we have to be able to demonstrate that there is a working capital gap.
Q2-FY26 · Jaikumar Sha
Our insights suggest that this time in certain markets that went as high as 30-35% [vehicle idling].
Q2-FY26 · Jaikumar Sha
We look to operate within a 2.2% plus minus in terms of overall credit cost and that is where we believe the ideal range for our book is.
Q2-FY26 · G. Romesh
We have already started seeing good movement in retail in the first few days of October which should reflect in the months ahead.
Q3-FY26 · G. Romesh
Our mission is to serve aspirational India and now we have a franchise of over 22 million customers and a pan-India network of 1744 branches spread across 1165 cities.
Q3-FY26 · Jaykumar Shah
We believe growth will start kicking in from here on and it should be in more positive range from where we stand today.
Q3-FY26 · G. Romesh
The key for our business really in retail is to make sure flow forwards reduce and that's been the key focus of how we are going about things.