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![BossInvestor24 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1872844713432059904.png) Boss Investor [@BossInvestor24](/creator/twitter/BossInvestor24) on x XXX followers
Created: 2025-07-20 14:47:05 UTC

📊 We analyzed HDFC Bank’s latest results — here’s the BossInvestor way:

Two things stood out 👇
1️⃣ Expenses jumped to ₹64,497 Cr
2️⃣ Financing profit collapsed to –₹24,833 Cr
But wait — this isn’t a red flag.
💡 It’s a deliberate strategy.
HDFC Bank is still absorbing the HDFC Ltd merger. The result?

- Loan-to-Deposit Ratio (LDR) shot past XXX%
- Margins came under pressure
- But the bank is slowing loan growth on purpose
- Building provisions, diversifying from real estate, and shifting focus to retail

🛡️ This is risk management at its best — not a crisis.

Yes, underperformance may continue for 12–24 months.
But that’s the window long-term investors look for.
Don’t expect multibagger returns —
but expect compounding + resilience.

👇 Infographic breaks it all down:
#HDFCBank #hdfcbankresults #hdfcbankq1results

![](https://pbs.twimg.com/media/GwTvgG0WMAAozsq.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946944961108389898/c:line.svg)

**Related Topics**
[corporate finance](/topic/corporate-finance)
[investment](/topic/investment)
[$hdb](/topic/$hdb)
[$hdfcbankns](/topic/$hdfcbankns)
[stocks financial services](/topic/stocks-financial-services)
[stocks banks](/topic/stocks-banks)

[Post Link](https://x.com/BossInvestor24/status/1946944961108389898)