Press Release

HDB Financial Services Limited HDB House, Tukaram Sandam Marg, A - Subhash Road, Vile Parle (E), Mumbai – 400057. Web: www.hdbfs.com Tel: 022 – 4911 6350 Fax: 022 – 4911 6666 CIN: L65993GJ2007PLC051028 Email: investorcommunications@hdbfs.com HDB/SLC/2026/1537 October 14, 2026 To, To, Listing Compliance Department Listing Compliance Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, Plot No C/1, Block G, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Bandra (East), Dalal Street, Fort, Mumbai - 400051 Mumbai - 400001 Scrip Code: HDBFS Scrip Code: 544429 Dear Sir / Madam, Sub.: Press Release on Unaudited Financial Results for the quarter and half year ended September 30, 2026 Please find enclosed herewith the Press Release on Unaudited Financial Results of the Company for the quarter and half year ended September 30, 2026, which were approved by the Board of Directors at its meeting held today i.e. Wednesday, October 14, 2026. This is for your information and appropriate dissemination. Thanking you, For HDB Financial Services Limited Dipti Jayesh Khandelwal Company Secretary and Compliance Officer Membership No. F11340 Encl.: As above Registered Office: Radhika, 2nd Floor, Law Garden Road, Navrangpura, Ahmedabad - 380 009. HDB Financial Services Limited HDB House, Tukaram Sandam Marg, A - Subhash Road, Vile Parle (E), Mumbai - 400057. Web : www.hdbfs.com Tel : 022 - 49116300 Fax : 022 – 49116666 CIN : L65993GJ2007PLC051028 Email ID : compliance@hdbfs.com PRESS RELEASE HDB Financial Services Limited records Profit After Tax of ₹780 Crores for Q2FY27, a growth of 34.2% YoY Disbursements for Q2FY27 at ₹18,522 Crores, up 18.7% YoY Interim Dividend of ₹2 per share October 14, 2026, Mumbai: A meeting of the Board of Directors of HDB Financial Services Limited was held in Mumbai on Wednesday, October 14, 2026 to consider and approve the unaudited financial results for the quarter ended 30th September 2026. Performance Highlights – Q2FY27:  Net interest income was ₹ 2,534 crore for the quarter ended September 30, 2026 compared to ₹ 2,192 crore for the quarter ended September 30, 2025, an increase of 15.6%  Net total income was ₹ 3,188 crore for the quarter ended September 30, 2026 compared to ₹ 2,851 crore for the quarter ended September 30, 2025, an increase of 11.8%  Pre-provisioning operating profit was ₹ 1,774 crore for the quarter ended September 30, 2026 compared to ₹ 1,530 crore for the quarter ended September 30, 2025, an increase of 15.9%  Loan losses and provisions was ₹ 730 crore for the quarter ended September 30, 2026 compared to ₹ 748 crore for the quarter ended September 30, 2025, a decrease of 2.5%  Profit before tax was ₹ 1,044 crore for the quarter ended September 30, 2026 compared to ₹ 782 crore for the quarter ended September 30, 2025, an increase of 33.4%  Profit after tax was ₹ 780 crore for the quarter ended September 30, 2026 compared to ₹ 581 crore for the quarter ended September 30, 2025, an increase of 34.2%  Asset under management (AUM) was ₹ 1,24,638 crore as on September 30, 2026 compared to ₹ 1,11,721 crore as on September 30, 2025, a growth of 11.6%  Gross Loan Book stood at ₹ 1,24,469 crore as on September 30, 2026 compared to ₹ 1,11,409 crore as on September 30, 2025, a growth of 11.7%  Gross Stage 3 loans was at 2.43% as against 2.81% as at September 30, 2025  Net Stage 3 loans was at 1.09% as against 1.27% as at September 30, 2025  Provision Coverage stood at 55.00% on stage 3 assets as against 54.73% as at September 30, 2025  The Board of directors have declared an interim dividend of ₹2 per equity share of face value of ₹10 each with a record date of October 23, 2026 Registered Office : Radhika, 2nd Floor, Law Garden Road, Navrangpura, Ahmedabad - 380 009 HDB Financial Services Limited HDB House, Tukaram Sandam Marg, A - Subhash Road, Vile Parle (E), Mumbai - 400057. Web : www.hdbfs.com Tel : 022 - 49116300 Fax : 022 – 49116666 CIN : L65993GJ2007PLC051028 Email ID : compliance@hdbfs.com Particulars (Quarter ended) 30-Sep-25 30-Jun-26 30-Sep-26 Total Gross Loans (₹ bn) 1,114 1,218 1,245 Enterprise Lending Mix % 38% 38% 38% Asset Finance Mix % 38% 37% 36% Consumer Finance Mix % 24% 25% 26% Secured Gross Loans Mix % 73% 74% 74% Net Interest Margin % 7.9 8.4 8.2 Credit Cost % of Total Gross Loans 2.7 2.3 2.4 Gross Stage 3 % as a ratio of Total Gross Loans 2.81% 2.34% 2.43% Return on average assets % (Annualised) 1.9 2.5 2.4 Earnings Per Share (FTQ) 7.0 9.5 9.4 Book Value Per Share (₹) 233 257 267 About HDBFS: HDB Financial Services Limited (HDBFS) is a non-deposit taking non-banking finance company (‘NBFC’) offering wide range of loan products to individuals, emerging businesses and micro enterprises. Established in 2007, as a subsidiary of HDFC Bank Limited, HDBFS is categorized as an upper layer NBFC by the RBI. HDBFS offers a large portfolio of lending products that cater to a growing and diverse customer base through a wide omni-channel distribution network. Its lending products are offered through the three business verticals: Enterprise Lending, Asset Finance and Consumer Finance. As of Sept 30, 2026, the Company’s distribution network spans 1,701 branches across 1,156 cities/ towns. For more information please log on to: www.hdbfs.com For media queries please contact: suhanee.shah@adfactorspr.com Disclaimer: This press release has been prepared by Company based on information available to them and the information contained herein has not been independently verified. None of the Company or any of its affiliates, advisors or representatives shall have any liability whatsoever (in negligence or otherwise) for any loss howsoever arising from any use of this document or its contents or otherwise arising in connection with the document. Furthermore, no person is authorized to give any information or make any representation, which is not contained in, or is inconsistent with, this press release. Any such extraneous or inconsistent information or representation, if given or made, should not be relied upon as having been authorized by or on behalf of the Company. The press release does not constitute or form part of and should not be construed as a prospectus, offering circular or offering memorandum or an offer to sell or issue or the solicitation of an offer to buy or acquire securities of the Company or any of its subsidiaries or affiliates under the Companies Act, 2013 and the rules made thereunder, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, the Securities and Exchange Board of India (Issue and Listing of Non-convertible Securities) Regulations, 2021 or any other applicable law, as amended from time to time, or as an inducement to enter into investment activity, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment whatsoever. You are advised to independently assess and take your own independent decisions without being influenced by the views and opinions of the authors. Investments in financial products/services/securities/instruments inherently involve risks and you may consult your legal, tax and financial advisors before investing. Past performance is not a guide/ indicative of future returns and may not necessarily provide a basis for comparison with other investments. No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or opinions contained in this press release. Such information and opinions are in all events not current after the date of this press release. There is no obligation to update, modify or amend this communication or to otherwise notify the recipient if information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. However, the Company [Showing first 8,000 characters — download PDF for full document]