HDFC Bank PAT growth seen steady; deposits, slippage in focus

**HDFC Bank Ltd. is expected to report steady earnings growth for the December quarter, supported by improvement in loan disbursals and stable margins. However, brokerages flagged traction on deposits, a high credit-deposit ratio, and seasonal stress in farm-sector loans as key concerns. The country’s largest private-sector bank is seen reporting a 10% year-on-year rise in net profit to INR 183.96 billion for the December quarter, based on the average of estimates from 13 brokerage firms. The net profit estimates range from INR 175.60 billion by Nuvama Wealth Management Ltd. to INR 188.92 billion by Emkay Global [Financial Services Ltd](https://informistmedia.com/MoneyWire/42655/Earnings-Outlook-HDFC-Bank-PAT-growth-seen-steady-deposits-slippage-in-focus)**.