HDFC Business and ESG Overview
Percentage
HDFC
WITH YOU, RIGHT THROUGH
GROSS NON-PERFORMING LOANS(NPLs) & PROVISIONS CARRIED
As per RBI's Revised Norms (i.e. November 12, 2021)
3.00%
2.00%
1.00%
2.62%
2.45%
2.32%
2.38%
1.98%
1.91%
As at March 31, 2022
(Rs. in bn)
NPLs (90 days):
107.41
Provisions Carried:
135.06
0.00%
Mar-21 *
■GROSS NPLs
Dec-21
Mar-22
■PROVISIONS CARRIED AS % OF EAD**
NPLs
As at Mar 31, 2022
As at Dec 31, 2021
As at Mar 31, 2021
*As at March 31, 2022:
Individual Loans
0.99%
1.44%
0.99%
•
Based on the earlier norms, the NPAs are
as follows:
Individuals: 0.78%
Non-Individual Loans
4.76%
5.04%
4.77%
•
Total NPLs: 1.74%
Overall NPLs
1.91%
2.32%
1.98%
*Mar-21 NPLs are not comparable due to change in classification norms by the Reserve Bank of India in Nov-21.
Dec-21 and Mar-22 are based on RBI's Nov. 12, 2021 circular - daily stamping of NPLs & upgradation of NPLs less than 90 dpd to standard
accounts provided all outstanding dues are fully repaid.
**EAD: Exposure at Default
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