Almost 90% of the HDFC Bank branches that now actively offer home loans, says Chakraborty chairman

Atanu Chakraborty, chairman, HDFC Bank

HDFC Bank actively offers home loans of 90 percent of its branches, after completing two years of merging earlier mortgage financing major HDFC with the lender, said HDFC Bank chairman Atanu Chakraborty on the 31^star Annual general meeting today.

“I am happy to say that we have successfully completed the integration of the two entities and used the business strengths and culture of both institutions – creating a much stronger, resilient organization … Almost 90 percent of our branches now offer active home loans to customers …” he said.

HDFC Bank today has a customer base of more than 9.7 Crore, says the chairman and 9,455 branches, 15,399 business correspondents and several digital channels. More than half of its branches are in the semi-urban and rural areas.

In FY25, HDFC Bank focused on risk-calibrated growth, cautious facilities, strong implementation, growing deposit base and profitable loan growth. “Due to various measures taken, including compression of credit growth, the CD ratio is now 96 percent,” he said.

As the lender grows his size, he has set up a dedicated group overview department, who reports to an executive director of the bank, who periodically updates the council about critical matters.

“This enables the board to maintain sharper visibility about risk, compliance, audit and behavior about the group. However, each entity remains responsible and responsible for its activities,” he said.

Published on August 8, 2025