HDFC Bank Share Price And Q1 FY27 Earnings Roundup: Key Bank Results

Nidhi Thakur

July 19, 2026

Key Takeaways

HDFC Bank posted Q1 FY27 net profit of Rs 19,059 crore, with NII at Rs 33,534 crore and provisions of Rs 3,060 crore.
ICICI Bank beat estimates with net profit of Rs 14,804 crore and NII of Rs 24,385 crore, NIM at 4.36%.
Punjab National Bank reported a profit of Rs 5,253 crore, with domestic NIM at 2.64% and 11.6% YoY loan growth.
Kotak Mahindra Bank delivered Rs 4,123 crore net profit and Rs 7,928 crore NII, with provisions at Rs 668 crore.

As the Q1 FY27 earnings season unfolds, investors are watching the hdfc bank share price as a quick proxy for the health of Indian banks and the broader financial system. The first wave of live updates across HDFC Bank, ICICI Bank, Kotak Mahindra Bank and Punjab National Bank – along with Yes Bank – shows a common thread: rising net interest income is supporting profits, while provisioning and asset quality trends determine the durability of that earnings trajectory. In this analysis, we pull the numbers from the quarter and translate them into investable insights for retail investors chasing the best risk-adjusted opportunities.

Hdfc Bank Share Price After Q1 FY27 Earnings

HDFC Bank reported net profit Rs 19,059 crore for Q1 FY27, up 5% YoY, with net interest income (NII) rising 6.7% to Rs 33,534 crore from Rs 31,438 crore. Provisions declined to Rs 3,060 crore from Rs 14,441 crore year ago, a meaningful sign on the bank’s ability to absorb risk. Asset quality remained stable with Gross NPA at 1.17% and Net NPA at 0.41%.

Operating profit came in at Rs 28,168 crore, versus an expected Rs 28,795 crore, while overall profitability held firm as the bank continues to translate strong NII into earnings power. The hdfc bank share price narrative remains influenced by how well the bank sustains these parameters, especially as interest rate cycles and loan mix evolve. The quarter also demonstrates a resilient treasury result, contributing to the bottom line in a backdrop of tightening credit costs.

Bank	Net Profit (Rs crore)	Net Interest Income (Rs crore)	Provisions (Rs crore)	Gross NPA (%)	Net NPA (%)
HDFC Bank	19,059	33,534	3,060	1.17	0.41
ICICI Bank	14,804	24,385	1,260.5	1.38	0.35
Kotak Mahindra Bank	4,123	7,928	668	1.18	0.27
Punjab National Bank	5,253	10,798	792	2.78	0.28
Yes Bank	1,071	2,786	394	1.30	0.20

Notes: All rupee figures are in crore, and percentages reflect reported quarterly metrics as stated in the updates. Provisions, NII, and NIMs are key inputs to gauge earnings quality, while NPAs frame the risk environment. Retail investors should watch provisioning trends as a leading indicator of potential earnings volatility.

Icici Bank Stock Q1 FY27 Performance, NII And NIM Trends

ICICI Bank posted net profit Rs 14,804 crore for Q1 FY27, beating estimates of Rs 13,373 crore. Net interest income stood at Rs 24,385 crore, ahead of the Rs 23,813 crore expected by analysts. Operating profit reached Rs 20,386 crore vs Rs 19,278 crore anticipated. NIM came in at 4.36% (vs 4.18% QoQ), underscoring the bank’s ability to monetize funding costs as loan growth accelerates. Asset quality improved with Gross NPA at 1.38% (vs 1.45% expected) and Net NPA at 0.35% (vs 0.37%).

These metrics translate into a stronger earnings trajectory for ICICI Bank as it sustains NII growth and expands operating leverage. Investors should monitor guidance calls and management commentary for details on loan mix and treasury gains, which can tilt the margin profile in the near term.

Kotak Mahindra Bank Stock Price Highlights For Q1 FY27

Kotak Mahindra Bank delivered a healthy quarter with net profit of Rs 4,123 crore, while net interest income rose to Rs 7,928 crore. Operating profit was Rs 6,131 crore, and provisions stood at Rs 668 crore. Asset quality showed improvement with Gross NPA at 1.18% vs 1.20% YoY and Net NPA at 0.27% vs 0.25% QoQ. The bank’s growth metrics reflect steady loan growth and a disciplined risk framework amidst soft macro signals.

Punjab National Bank Results And Key Metrics

Punjab National Bank reported net profit of Rs 5,253 crore, while net interest income came in at Rs 10,798 crore. Operating profit stood at Rs 7,519 crore, with provisions at Rs 792 crore. Domestic NIM was 2.64% (vs 2.84% YoY), and domestic loan growth ran at 11.6% YoY. Fresh slippages reached Rs 2,080 crore YoY, and Rs 2,758 crore QoQ. Asset quality showed some moderation with Gross NPA at 2.78% and Net NPA at 0.28%.

Yes Bank Earnings And Recovery Signals

Yes Bank posted net profit of Rs 1,071 crore, up 34% year on year. Net interest income rose to Rs 2,786 crore, while operating profit was Rs 1,704 crore. Provisions climbed to Rs 394 crore. Asset quality remained a mixed bag with Gross NPA at 1.3% and Net NPA at 0.2%.

These results underscore a broader narrative across mid-sized banks where improving NII and cautious provisioning support earnings, even as some lenders navigate higher slippages and NPA levels. As the sector continues to report, the market will weigh the quality of earnings against the sustainability of loan growth and margin expansion.

Axis Bank Earnings Preview And Sector Context

Axis Bank’s earnings were among the 20+ firms to announce, and market watchers will keenly track NII, NIM and provisioning trends as the Q1 FY27 results cross the wires. While the live update blocks highlight several banks, Axis Bank’s numbers will be pivotal to gauge the competitive margin environment in the private sector space. Retail investors should stay tuned for the management commentary on loan growth mix, treasury gains, and any potential tailwinds from rate normalization.

Swastika's Sarthi AI stock assistant

Frequently Asked Questions

What were HDFC Bank's Q1 FY27 results in terms of net profit and NII?

Net profit Rs 19,059 crore; Net interest income Rs 33,534 crore; Provisions Rs 3,060 crore; Asset quality: Gross NPA 1.17%, Net NPA 0.41%.

How did ICICI Bank perform in Q1 FY27 in terms of net profit and NII?

Net profit Rs 14,804 crore vs estimate Rs 13,373 crore; Net interest income Rs 24,385 crore vs estimate Rs 23,813 crore; Operating profit Rs 20,386 crore vs Rs 19,278 crore; NIM 4.36% vs 4.18%; Gross NPA 1.38% vs 1.45%; Net NPA 0.35% vs 0.37%.

Punjab National Bank results: what were the key numbers for Q1 FY27?

Net profit Rs 5,253 crore; Net interest income Rs 10,798 crore; Operating profit Rs 7,519 crore; Provisions Rs 792 crore; Domestic NIM 2.64%; Domestic loan growth 11.6% YoY; Fresh slippages Rs 2,080 crore; Gross NPA 2.78%, Net NPA 0.28%.

Yes Bank earnings in Q1 FY27: what were the main figures?

Net profit Rs 1,071 crore; Net interest income Rs 2,786 crore; Operating profit Rs 1,704 crore; Provisions Rs 394 crore; Gross NPA 1.3%; Net NPA 0.2%.

Which bank posted the highest net profit in Q1 FY27 among HDFC Bank, ICICI Bank, Kotak Bank, Punjab National Bank, and Yes Bank?

HDFC Bank posted the highest net profit in Q1 FY27 with Rs 19,059 crore.

Conclusion

Retail investors should translate these bank-by-bank details into a practical decision framework: focus on banks with strong NII growth and disciplined provisioning, and monitor asset quality signals that could signal future write-offs. The Q1 FY27 results show HDFC Bank leading on profitability and resilience in provisioning, while ICICI Bank demonstrates a robust NII-led expansion with better efficiency; Punjab National Bank’s loan growth and NIM dynamics offer a different risk-return profile, highlighting the importance of stock-level assessments beyond headline profits.

Next, refine your process: track margin trends, slippages, and management commentary, then use Swastika's Sarthi AI stock assistant to fetch deeper, institution-grade research on any stock or index. This approach helps retail investors stay disciplined, avoid herd behavior, and align investments with their risk tolerance and time horizon.

Open your trading and demat account here

Reference :

1 : Ndtvprofit

DISCLAIMER:

^{The information contained herein are strictly confidential and are meant solely for the information of the recipient and shall not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written permission of Swastika Investmart Ltd. (“SIL”). The contents of this document are for information purpose only. This document is not an investment advice and must not alone be taken as the basis for an investment decision. Before taking any decision to invest, the recipient of this document must read carefully the Red Herring Prospectus (“RHP”) issued to know the details of IPO and various risks and uncertainties associated with the investment in the IPO of the Company. All recipients of this document must before acting on the given information/details, make their own investigation and apply independent judgment based on their specific investment objectives and financial position. They can also seek appropriate professional advice from their own legal and tax consultants, advisors, etc. to understand the risks and investment considerations arising from such investment. The investor should possess appropriate resources to analyze such investment and the suitability of such investment to such investor’s particular circumstances before making any decisions on the investment. The Investor shall be solely responsible for any action taken based on this document. SIL shall not be liable for any direct or indirect losses arising from the use of the information contained in this document and accept no responsibility for statements made otherwise issued or any other source of information received by the investor and the investor would be doing so at his/her/its own risk. The information contained in this document should not be construed as forecast or promise or guarantee or assurance of any kind. The investors are not being offered any assurance or guaranteed or fixed returns on their investments. The users of this document must bear in mind that past performances if any, are not indicative of future results. The actual returns on investment may be materially different than the past. Investments in Securities market products and instruments including in the IPO of the Company are highly risky and they are generally not an appropriate avenue for someone with limited resources/ limited investment and low risk tolerance. Such Investments are subject to market risks including, without limitation, price, volatility and liquidity and capital risks. Therefore, the users of this document must carefully consider all the information given in the RHP including the risks factors before making any investment in the Equity Shares of the Company.Swastika Investmart Ltd or its analysts did not receive any compensation or other benefits from the companies mentioned in the report or third party in connection with preparation of the research report. Accordingly, neither Swastika Investmart Ltd nor Research Analysts have any material conflict of interest at the time of publication of this report. Compensation of our Research Analysts is not based on any specific merchant banking, investment banking or brokerage service transactions. Swastika Investment Ltd may have issued other reports that are inconsistent with and reach different conclusion from the information presented in this report. Research entity has not been engaged in market making activity for the subject company. Research analyst has not served as an officer, director or employee of the subject company. We have not received any compensation/benefits from the Subject Company or third party in connection with the Research Report.CORPORATE & ADMINISTRATIVE OFFICE - 48, Jaora Compound, M.Y.H. Road, Indore - 452 001 | Phone 0731 - 6644000 Compliance Officer: Dimple Soni. Email: compliance@swastika.co.in Phone: (0731) 6644 241 Swastika Investmart Limited, SEBI Reg. No. : NSE/BSE/MSEI: INZ000192732 Merchant Banking: INM000012102 Investment Adviser: INA000009843 MCX/NCDEX: INZ000072532 CDSL/NSDL: IN-DP-115-2015 RBI Reg. No.: B-03-00174 IRDA Reg. No.: 713. Research Analyst Registration Number: INH000024073}