Promoter holding
64.27%
HB
Hdfc Bank Limited - Due diligence report
A 360° intelligence report on Hdfcbank: trust score, financial health, credit view, compliance, directors, growth and distress signals - gen…
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Hdfcbank — 360° Intelligence Report
Generated from MCA filings & public records63/100
Trust Score
Moderate
Hdfcbank is assessed as Moderate with a Trust Score of 63/100. Hdfcbank is an active public limited indian non-government company incorporated in 1994, operating in the Financial Services sector. Reported revenue has declined across its recent filed years. It was profitable in its latest filed year. Based on MCA filings and public records, it currently shows a moderate compliance risk and high financial risk profile.
Report generated on 19 Jul 2026 from the latest processed filings. Hdfc Bank Limited snapshot & full profile →
Automated indicators derived from public MCA / GST / EPFO records - not a credit rating, not investment, legal or financial advice. Spotted an inaccuracy? Report an error.
02
Score Card
Higher is safer · rule-based & explainableTrust ScoreModerate
63/100
Overall counterparty trust - the headline number of this report.
Compliance ScoreModerate
50/100
Statutory standing - status, filings, auditor, MSME and litigation.
Financial Health ScoreCaution Indicated
40/100
Profitability, leverage and liquidity from filed statements.
Credit Risk ScoreCaution Indicated
45/100
Debt capacity, gearing and security cover for lenders.
Director Stability ScoreLow Risk
80/100
Board strength, DIN status, churn and network.
Growth ScoreCaution Indicated
45/100
Revenue, profit, asset and hiring momentum.
Distress ScoreLow Risk
75/100
Early-warning signals - higher means fewer warnings.
03
Financial Intelligence Dashboard
Standalone · 5 filed year(s)Unlock the full 5-year financial dashboard with charts and year-wise figures.
Get full accessScores and observations on this page are already computed from the real filings - only the underlying figures are locked.
04
Credit & Compliance Intelligence
Why the scores are what they are
Credit Risk Score: 45/100 Caution Indicated
- Negative operating earnings - debt service depends on external support.
- Externally credit-rated (AAA).
Charges position: 1 open (50.00 cr) · 474 satisfied (293,153.66 cr).
Banking relationships (from registered charges)
| Lender | Charges | Amount |
|---|---|---|
| Idbi Trusteeship Services Limited | 16 | 48.0 cr |
| Central Bank Of India | 10 | 48.0 cr |
| Bank Of India | 11 | 48.0 cr |
| Small Industries Development Bank Of India | 10 | 48.0 cr |
| Asian Development Bank | 1 | 48.0 cr |
| Bank Of Baroda | 22 | 48.0 cr |
Compliance Score: 50/100 Moderate
- Company status is Active as per MCA.
- Annual filings current (balance sheet Mar 2025).
- Flagged by authority: SEBI, RBI, CDSL.
- Litigation present in 5 court forum(s).
- 113 active GST registration(s).
Legal cases on record (5)
05
Director Intelligence
Stability score: 80/100| Name | DIN / PAN | Designation | Appointed | Tenure | DIN status |
|---|---|---|---|---|---|
| ATANU CHAKRABORTY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| RENU SUD KARNAD | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| AJAY GIRIDHARILAL AGARWAL | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KAIZAD MANECK BHARUCHA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANTHOSH IYENGAR KESHAVAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SRINIVASAN VAIDYANATHAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SASHIDHAR JAGDISHAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| KEKI MINOO MISTRY | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| LILY VADERA | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| VEDANTHACHARI SRINIVASA RANGAN | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| DWARAKANATH RANGANATH MAVINAKERE | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SANDEEP PRAVIN PAREKH | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| BHAVESH C ZAVERI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| HARSH BHANWALA KUMAR | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
| SUNITHA MAHESHWARI | 01234567 | Director | 01/04/2018 | 6 yrs | Approved |
- 15 directors on the board.
- No disqualified or deactivated DINs.
- 4 director exits in 3 years - high churn.
- Average tenure above 5 years.
Director & KMP remuneration (FY 2017)
| Name | Designation | Total remuneration |
|---|---|---|
| A K Sharma | Managing Director | 2.4 cr |
| R Mehta | Whole-time Director | 1.6 cr |
| S Iyer | CFO | 95.0 L |
Remuneration is disclosed in the latest annual return. Unlock full report
06
Ownership & Group Intelligence
As per FY 2017 annual returnPublic / other holding
35.73%
Equity shares
12,45,67,890
Equity paid-up
124.5 cr
Promoters on record
4
Ultimate holding entity
-
Subsidiaries
2
Group entities
3
Capital events
775 allotment(s) · 0 transfer(s)
Promoters hold a minority stake - exact percentages are part of the full report.
| Group entity | Relationship | % held |
|---|---|---|
| Hdfc Securities Limited | Subsidiary Company | 74.00% |
| Hdb Financial Services Limited | Subsidiary Company | 74.00% |
| International Asset Reconstruction Company Private Limited | Associate Company | 74.00% |
Key managerial personnel: KAIZAD MANECK BHARUCHA (Whole-time director) · SRINIVASAN VAIDYANATHAN (CFO) · SASHIDHAR JAGDISHAN (Managing Director) · VEDANTHACHARI SRINIVASA RANGAN (Whole-time director) · BHAVESH C ZAVERI (Whole-time director)
Full shareholding pattern, group structure & capital events →
07
Risk Intelligence Center
Growth 45 · Distress 75
Growth signals & trust indicators
EPFO headcount growing - hiring signal.
Operating for 31+ years.
Active EPFO - real payroll on record.
Active GST registration(s).
Distress signals & risk flags
Revenue declined year-on-year.
Compliance score is weak (50/100).
1 open charge(s) registered - assets are encumbered.
5 court case(s) on record - see the legal section for details.
08
Stakeholder Verdicts
Vendor · Banker · InvestorVendor due diligence61/100
Review suggested
Suitability as a supplier / customer counterparty.
- Check the compliance flags before onboarding.
- 1 distress signal(s) - see Risk Center.
- Financial filings available for verification.
Banker assessment45/100
Mixed indicators - deeper appraisal suggested
Indicative lending comfort for banks, NBFCs and trade credit.
- Debt capacity assessed from filed statements.
- 1 open charge(s) of 50.00 cr already registered.
- Compliance gaps should be priced into terms.
Investor view48/100
Mixed indicators
Growth quality and scalability through an investor lens.
- 1 growth signal(s) detected.
- Margin and return trends computable from filings.
- Management team looks stable.
09
MCA Filings & Events Timeline
Latest 15 events08 Aug 2025
Last AGM held
Annual general meeting
31 Mar 2025
Latest balance sheet
Filed with ROC
12 Mar 2025
Charge satisfied
Idbi Trusteeship Services Limited
10 Jan 2025
Director ceased
SANTHOSH IYENGAR KESHAVAN
18 Nov 2024
Director appointed
SANTHOSH IYENGAR KESHAVAN (Director)
08 Nov 2024
Charge satisfied
Idbi Trusteeship Services Limited
21 Jul 2024
Director appointed
AJAY GIRIDHARILAL AGARWAL (Company Secretary)
20 Jul 2024
Director ceased
SANTOSH G HALDANKAR
28 Mar 2024
Director ceased
HARSH BHANWALA KUMAR
25 Jan 2024
Director appointed
HARSH BHANWALA KUMAR (Director)
23 Nov 2023
Director appointed
VEDANTHACHARI SRINIVASA RANGAN (Whole-time director)
30 Aug 2023
Charge satisfied
Idbi Trusteeship Services Limited
20 Jul 2023
Director ceased
SANJIV SACHAR
30 Jun 2023
Director appointed
KEKI MINOO MISTRY (Director)
19 Apr 2023
Director appointed
BHAVESH C ZAVERI (Whole-time director)
10
Key Observations
Auto-generated from the data aboveRevenue declined 38% over the last 4 financial year(s).
15 active director(s) / partner(s); board looks stable and experienced.
113 active GST registration(s) indicate ongoing business operations.
Operates a group structure with 2 subsidiary(ies) - assess on a consolidated basis.
Carries an external credit rating of AAA from Care.
EPFO-registered employer - verifiable payroll history exists.
Promoters hold a minority stake as per the FY 2017 annual return.
Director / KMP remuneration is disclosed in the latest annual return - exact figures available in the full report.
Capital has been raised through 775 security allotment(s) - amounts available in the full report.
8 overseas direct investment(s) (ODI) on record - international footprint.
Peer companies will appear here as our matching engine processes this industry.
12
Who Uses This Report
CA · CS · Banker · Investor · VendorChartered Accountants (CA)
Verify Hdfcbank before audits and certifications: compliance score 50/100, filing history, auditor history and charge records in one place - instead of pulling each MCA form separately.
Company Secretaries (CS)
Track statutory health of Hdfcbank: ACTIVE compliance status, annual-return recency, director DIN status, board churn and the events timeline - the inputs for secretarial audits and due-diligence certificates.
Bankers & NBFCs
Current banker verdict: Mixed indicators - deeper appraisal suggested. Credit risk score 45/100, existing charge position and lender relationships - a first-pass credit memo before formal appraisal.
Investors & Analysts
Investor view: Mixed indicators. Growth score 45/100, margin trends, ownership structure and peer set for Hdfcbank - screening before a deeper diligence.
Vendors & Procurement Teams
Vendor verdict: Review suggested. Trust score 63/100, distress signals and MSME payment-delay disclosures - know whether Hdfcbank pays its suppliers before you extend credit terms.
Lawyers & Compliance Teams
Litigation footprint (5 case(s) on record), regulatory flags, charge documents trail and director networks for Hdfcbank - groundwork for KYC, onboarding and disputes.
13
Frequently Asked Questions
Is Hdfcbank an active company?
Hdfcbank has MCA status “Active” with a compliance score of 50/100 (Moderate).
Is Hdfcbank financially healthy?
Hdfcbank has a Financial Health Score of 40/100 (Caution Indicated) based on its filed financial statements.
Should I do business with Hdfcbank?
Its overall Trust Score is 63/100 (Moderate). Vendor verdict: Review suggested. Review the risk flags in the Risk Intelligence Center before deciding.
Who controls Hdfcbank?
Promoters hold a minority stake - exact percentages are in the full report. 15 active director(s) are on record.
Does Hdfcbank have loans or charges against its assets?
1 open charge(s) are registered against its assets, and 474 earlier charge(s) stand satisfied.
Is Hdfcbank up to date with its ROC filings?
Annual filings current (balance sheet Mar 2025). Overall compliance score: 50/100 (Moderate).
Is it risky to lend to Hdfcbank?
Its Credit Risk Score is 45/100 (Caution Indicated). Banker verdict: Mixed indicators - deeper appraisal suggested.
Disclaimer: This report is generated automatically from MCA filings and public records as available
in our system at the time of the last update. Scores, bands and verdicts are rule-based derived indicators of the
underlying data - they are opinions generated by an algorithm, not statements of fact about the company, and are
not credit ratings (within the meaning of SEBI regulations), audits, or investment, legal or financial advice.
Verify from official sources and consult a qualified professional before any business, lending or investment decision.
If you represent this company and believe any information is inaccurate or outdated,
report it here and we will review promptly.
