Top Five Banks in India of 2025

July 6, 2025

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Bank in India are playing a great role and booking a year best profit by which they are reflecting in top banks of India.

Below is the list of top 5 Banks in India of 2025 divided based on the market capitalization, total assets, and overall influence.

1. HDFC Bank (Private)

Illustration shows HDFC Bank logo

Q1 FY26 (Jun‑2025 quarter)
- Deposits: ₹27.64 trn (+1.8% sequentially)
- Gross Advances: ₹26.53 trn (+0.4% QoQ)
- This reflects strong deposit mobilization post-merger with HDFC parent, though loan growth remains cautious
Q4 FY25 (Mar‑2025 quarter)
Standalone Net Profit: ₹17,616 Cr (+6.7% YoY; +5.3% QoQ) Net Interest Income (NII): ~₹32,070 Cr (+10.3% YoY); NIM at ~3.54% Deposits: Avg ₹25.28 trn (+15.8% YoY); CASA up ~5.7% YoY Advances: ₹26.2 trn (+5.4% YoY); retail loans seeing solid growth of ~9% YoY Asset Quality: GNPA ~1.33%, improved from 1.42% in Q3; credit costs low (~29 bps) Profit After Tax (consolidated): ~₹67,347 Cr (+10.7% YoY); strong RoA (~1.9%) & RoE (~14.4%) Dividend: ₹22/share declared; record date June 27, 2025 Capital Strength: CAR ~19.6%; Tier 1 ~17.2%; LCR ~119% .

Merged with HDFC Ltd in July 2023, making it India’s largest private-sector bank.
Loan‑to‑Deposit Ratio (LDR): Reduced from ~104% post-merger to ~96.5% by Mar 2025; target range is 85–90% by FY 27
Balance Sheet size: ~₹39.1 trn by Mar 2025
Distribution: ~9,092 branches, ~20,993 ATMs across India

CEO & MD: Sashidhar Jagdishan, serving since 2020 (term extended to 2026); under scrutiny due to recent FIR over old loan matters — HDFC denies wrongdoing
Systemic Importance: Classified as a Domestic Systemically Important Bank by RBI; surcharge buffer raised to 0.40% from April 2025