HDFC Bank Ltd. (HDFCBANK)
Financials
Reduce / Avoid
HDFC Bank Ltd. (HDFCBANK, Financials) last closed at ₹725.10 and is down 4.4% over the past 3 months (down 27.2% over 1 year). Downtrend — trading below both its 50-day and 200-day averages. Annualized volatility is 19.4%, against a trailing CAGR of -14.8%. Extending the recent trend line, the model projects roughly down 3.7% over the next ~6 months if the pattern holds. Composite score 28/100 → Reduce / Avoid. This is a trend read on historical prices, not a guarantee.
Last close
₹725.10
1-month change
-2.0%
3-month change
-4.4%
1-year change
-27.2%
Trailing CAGR
-14.8%
Annualized volatility
+19.4%
50-day average
₹768.15
200-day average
₹849.75
~6-month projection
-3.7%
Composite score
28/100
Future potential
What could move HDFCBANK from here — general strategic context plus signals from the price trend above.
Could push the price up
- Merger synergies with HDFC Ltd. cross-selling mortgages through the branch network
- Branch expansion into semi-urban and rural India
- Growing digital banking and retail loan book
- Room for re-rating if foreign-holding limits ease
Could weigh the price down
- Elevated credit-deposit ratio requiring continued deposit mobilization
- Near-term integration costs from the HDFC Ltd. merger
- Asset-quality risk in unsecured retail lending
- Margin compression from a higher cost of funds
- Trading below both its 50- and 200-day averages — a bearish technical backdrop until reclaimed.
- Down -27.2% over the past year — sentiment has been weak.
- Trailing CAGR is negative (-14.8%) — the multi-year trend has been a drag, not a tailwind.
General strategic context based on the company's known business profile — not real-time news or analyst commentary. Always check the company's latest announcements before investing.
Recent closes
| Date | Close | Volume |
|---|---|---|
| 2026-03-27 | ₹756.20 | 65,485,199 |
| 2026-03-25 | ₹782.30 | 59,230,640 |
| 2026-03-24 | ₹764.90 | 61,269,986 |
| 2026-03-23 | ₹744.15 | 72,341,738 |
| 2026-03-20 | ₹780.45 | 103,129,469 |
| 2026-03-19 | ₹798.20 | 171,637,393 |
| 2026-03-18 | ₹843.05 | 23,507,063 |
| 2026-03-17 | ₹845.35 | 38,826,979 |
| 2026-03-16 | ₹840.60 | 52,182,605 |
| 2026-03-13 | ₹817.00 | 41,700,464 |
| 2026-03-12 | ₹832.75 | 46,107,561 |
| 2026-03-11 | ₹833.95 | 42,261,076 |
| 2026-03-10 | ₹849.45 | 52,866,024 |
| 2026-03-09 | ₹840.70 | 35,592,613 |
| 2026-03-06 | ₹857.05 | 34,439,647 |
This is a trend read on historical prices (momentum, moving averages, volatility, a linear projection of the recent trend) — not a guarantee of future performance. Educational analysis, not financial advice.