Q1-FY26 · Q4 FY25
Loan growth at market rate in FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
HDFCBANK / Q1-FY25 / promises
Measure what management said.
HDFC Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q2-FY24 · Q1 FY24
Retail deposit accretion of ~INR 1 trillion per quarter
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY25 · Q1 FY25
Loan-deposit ratio to decline faster than anticipated
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY25 · Q1 FY25
Borrowing maturity profile of INR 650B for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
ROA maintained at 1.9%-2.1%
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q3-FY25 · Q2 FY25
NIM to remain in 3.45%-3.5% range in near term
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Deposit growth to outpace loan growth by 300-400 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Branch network to reach ~1,000 additions in FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY24 · Q3 FY24
Cross-sell metrics to be disclosed from next quarter
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY25 · Q3 FY25
FY25 loan growth below system, FY26 in line, FY27 above system
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY25 · Q3 FY25
Deposit growth to continue outpacing loan growth
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY26 · Q3 FY26
Cost of funds to benefit from lagged repricing
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1