Deposit market share loss
Despite adding customers, deposit growth has lagged, and period-end numbers disappointed. If the trend persists, it could constrain loan growth and margins.
HDFCBANK / Q1-FY25 / risks
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HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
PSL compliance pressure
Meeting small and marginal farmer PSL targets remains challenging due to limited availability of qualifying loans, potentially requiring costly PSLC purchases.
Margin compression from deposit competition
Intense competition for deposits could force the bank to raise rates, pressuring NIMs, though management has so far maintained discipline.