Margin pressure from CASA compression
CASA ratio continues to decline as customers shift to term deposits in a high-rate environment, pressuring NIMs despite lower borrowing costs.
HDFCBANK / Q3-FY25 / risks
Keep the risk register visible.
HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
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.
Risk intelligence
Material risks this quarter
medium
PSL shortfall in SMF and weaker sections
The bank faces a ~1% shortfall in priority sector lending for small/marginal farmers and weaker sections, which may require costly PSLC purchases or RIDF contributions.
Potential stress in unsecured retail loans
While management asserts stability, the unsecured portfolio is written off at 150 days, implying rapid provisioning if delinquencies rise, which could impact earnings.