India’s two major private sector banks – HDFC Bank and ICICI Bank’s share price – Saturday, 19 April is likely to be in mind in Monday’s trade session after giving strong financial results for the March quarter FY25.
HDFC Bank share price closed by about 1.50 percent more 1,905.80 on Thursday, while, ICICI Bank jumped more than 3.37 percent 1,407 Apis. The Indian stock market remained closed on Friday due to Good Friday.
According to Seema Srivastava’s senior research analyst in SMC Global Securities, both banking stocks have become solid contenders for long -term investment after their fourth quarter results. However, his performance reveals fine differences that investors should consider, he said.
HDFC Bank vs ICICI Bank Q4 Results 2025
Comparing the financial results of both banking stocks, Seema Srivastava said –
Revenue and profitability
HDFC Bank reported net revenue 11,440.9 billion, slightly less yo due to the absence of a one -time profit from HDFC Credila. However, net interest income increased by 10.3% 11,320.7 billion, showing stable growth. ICICI Bank performed better on profitability, with net profit up to 15.5% for 18% YOY and FY2025 in Q4 47,227 crores. Its strong 11% increase in net interest income and a high net interest margin (NIM) of 4.41% reflects efficient asset usage compared to HDFC Bank’s NIM (Core NIM 3.46%) compared to NIM.
Balance sheet strength and growth
HDFC Bank has a large balance sheet size Total progress of 39,102 billion vs ICICI 13,41,766 crore. HDFC also has a deposit base 25,280 billion average deposit compared to ICICI 14,86,635 crores. However, ICICI showed high debt portfolio growth (unknown increase of 13.3% vs. HDFC), especially in trade banking (33.7%).
Asset quality and capital power
HDFC has a better asset quality, with gross NPA 1.33% and NET NPA 0.43%, versus 1.67% of the vs ICICI and 0.39%. Both have strong provision coverage. In terms of capital, HDFC is with 19.6% and CET1 with CAT at 17.2%, while ICICI is 16.55% and 15.94% compared to CET1.
Dividend and branch expansion
HDFC declared high dividend 22/shares vs icici 11/share. ICICI aggressively expanded with 241 new branches.
conclusion
HDFC bank provides size, stability and better assets quality, ideal for conservative long -term investors. ICICI bank reflects strong profit speed, better NIMS, and rapid portfolio growth, suitable for investors, which demand high returns with moderate risk. Both can provide a diverse condition balanced exposure.
HDFC Bank vs. ICICI Bank – Which stock to buy?
Ansul Jain, head of research of Laxmishree Investment and Securities, said HDFC Bank has tested its all-time high last week, facing supply pressure in the area of 1880–1910. Despite this, the structure remains rapidly with strong motion, indicating a possible step towards the level of 1945–1965 in the near period. However, the profit can be gradual as the supply persists at a high level.
ICICI Bank, by contrast, looks more promising in terms of percentage returns. The stock has not only hit the height of all time, but also a rectangle consolidation pattern-a technically strong signal. Supported at the rising speed, ICICI Bank now monitors 1500 levels, offering a more favorable risk-inam setup in short term, he said.
Jain further stated that both banks are technically strong, ICICI Bank stands with a cleaner breakout and more reverse capacity. “To see short -to -medium -term opportunities for traders, ICICI can provide better returns relative to the risk in current setup,” he said.
Rejuvenation: This story is only for educational purposes. The above views and recommendations belong to individual analysts or broking companies, not mint. We recommend investors to investigate with certified experts before taking any investment decisions.
