What Makes HDFC Bank (HDB) a Worthy Investment?

2 hours ago 1

Soumya Eswaran

Wed, January 28, 2026 astatine 6:53 AM CST 3 min read

Hardman Johnston Global Advisors, an concern absorption company, released its “Hardman Johnston Global Equity Strategy” capitalist missive for the 4th fourth of 2025. A transcript of the missive tin beryllium downloaded here. Global equity markets delivered robust results successful the quarter, backed by easing ostentation trends and beardown economical data. The Hardman Johnston Global Equity Strategy returned 2.91%, nett of fees, compared to the MSCI AC World Net Index’s 3.29% gain. The Financials and Consumer Staples sectors contributed to the performance, portion the Industrials and Consumer Discretionary sectors detracted from comparative performance. In addition, delight cheque the Strategy’s apical 5 holdings to cognize its champion picks successful 2025.

In its fourth-quarter 2025 capitalist letter, Hardman Johnston Global Equity Strategy highlighted HDFC Bank Limited (NYSE:HDB) arsenic a caller portfolio addition. Incorporated successful 1994, HDFC Bank Limited (NYSE:HDB) offers banking and fiscal services to individuals and businesses. HDFC Bank Limited (NYSE:HDB) fluctuated by astir 39% implicit the past 52 weeks. On January 27, 2026, HDFC Bank Limited (NYSE:HDB) banal closed astatine $32.44 per stock with a marketplace capitalization of $166.383 billion.

Hardman Johnston Global Equity Strategy stated the pursuing regarding HDFC Bank Limited (NYSE:HDB) successful its 4th fourth 2025 capitalist letter:

"During the 4th we initiated positions successful Cameco Corp., Citigroup Inc., Elanco Animal Health, Inc., HDFC Bank Limited (NYSE:HDB), and Vertiv Holdings Co. HDFC Bank Ltd. is the largest private-sector slope successful India, supported by a beardown deposit franchise and an extended carnal and integer organisation network. The merger with HDFC Ltd. implicit 2 years agone created a premier owe lending and servicing platform, which is present being rolled retired crossed the bank’s subdivision network. This integration is expected to heighten subdivision productivity and unlock meaningful cross-selling opportunities, providing a durable tailwind to growth. HDFC Bank continues to grow its subdivision footprint astatine a faster gait than peers, with a strategical absorption connected underpenetrated agrarian and semi-urban markets, portion simultaneously investing successful integer capabilities to heighten lawsuit engagement and accessibility. While synergy realization from the HDFC Ltd. merger has progressed much dilatory than initially anticipated, this has created an charismatic introduction constituent astatine a discounted valuation. As integration advances, improvements successful instrumentality connected equity and loan-to-deposit ratios should enactment higher lending maturation and a instrumentality toward pre-merger profitability levels. Over time, this is expected to thrust stronger net maturation and stock terms appreciation, supported by the favorable semipermanent maturation outlook for the Indian economy."