HDFC Bank Q3 FY26 shows rising deposits, stronger margins, and improving asset quality overall consistently.

• Net interest income rose 4.8% to 31,550 cr, with core NIM at 3.27% on total assets.
• Operating expenses reached 17,980 cr, cost‑to‑income ratio 39.2%, provisions totaled 3,500 cr for the quarter, reflecting efficiency.
• Gross NPA fell to 1.24%, net NPA 0.42%; CAR improved to 20% overall in strength.