Sashidhar Jagdishan

“We believe that the FCNR policy window that has been offered to the banking system is a great opportunity and we are focusing on that. We have spent a large part of the month of June in completing the documentation and approvals necessary from our side and also from the counterparty banks across various jurisdictions.”

— From HDFC Bank Q1 FY27 Earnings Conference Call | Concall.in, Concall (July 18, 2026)

“We are on the cusp of really harnessing some of the GenAI technologies on our processes and we do have a fair amount of lighthouse programs that will go into production during the course of the year. Obviously all of us realize that security is going to be an extremely important part of our strategy and we are focusing...”

— From HDFC Bank Q1 FY27 Earnings Conference Call | Concall.in, Concall (July 18, 2026)

“We had estimated a system credit growth to be around 10 and a half to 11 12%. We did 12% up from 5 1/2% last year. As you can see, there is positive momentum as we had expected. Deposit growth rate at 14.4% continues to grow faster than the credit growth, which is what we've always been doing. The growth rate is better...”

— From HDFC Bank Ltd Q4 FY2025-26 Earnings Conference Call, AlphaStreet India (April 20, 2026)

“The loan deposit ratio is not a constraint. the regulator has come out and talked about it. We have demonstrated our ability to gain market share on deposits every year almost around 30 to 50 basis points over the last 5 years. Hence, it's no longer a binding constraint.”

— From HDFC Bank Ltd Q4 FY2025-26 Earnings Conference Call, AlphaStreet India (April 20, 2026)

“We have built a robust data foundation anchored by a customer level enterprise level uh single source of throat from a customer perspective. We went live with our lakehouse architecture a centralized scalable data lake re reusable enriched data marks. While not always visible externally, this work is essential to a lon...”

— From HDFC Bank Ltd Q4 FY2025-26 Earnings Conference Call, AlphaStreet India (April 20, 2026)

“The legal review which is what we had uh committed at the time uh when we went to the press is in pro process as and when this happens we shall provide a summary of this name. The audited financial statements of the bank for the year ended March 26 carry notes which are self-explanatory on the Dubai branch related matt...”

— From HDFC Bank Ltd Q4 FY2025-26 Earnings Conference Call, AlphaStreet India (April 20, 2026)

“ROA is what uh we should focus on. U POP is an intermediate right? I mean you take higher risk and and give it and take it and take it in the top line you give it away in the credit cost below the peop doesn't determine what returns you can get so we focus on the returns on return on asset. Yeah at at the growth rate p...”

— From HDFC Bank Ltd Q4 FY2025-26 Earnings Conference Call, AlphaStreet India (April 20, 2026)

“We had estimated the system credit growth to be around 10 1/2 to 11 1/2%. We did 12% up from 5 and a half% last year. As you can see, there is positive momentum as we had expected. Deposit growth rate at 14.4% continues to grow faster than the credit growth, which is what we've always been doing. The growth rate is bet...”

— From HDFC Bank Ltd Q4 FY2025-26 Concall, ConCall India (April 18, 2026)

“The loan deposit ratio is not a constraint. The regulator has come out and talked about it. We have demonstrated our ability to gain market share on deposits every year almost around 30 to 50 basis points over the last 5 years. Hence, it's no longer a binding constraint.”

— From HDFC Bank Ltd Q4 FY2025-26 Concall, ConCall India (April 18, 2026)

“We have built a robust data foundation anchored by a customer level, enterprise level uh single source of throat from a customer perspective. We went live with our lakehouse architecture, a centralized scalable data lake re reusable enriched data mods. But the big story is how we created in house the unified AI platfor...”

— From HDFC Bank Ltd Q4 FY2025-26 Concall, ConCall India (April 18, 2026)

“The legal review which is what we had uh committed at the time uh when we went to the press is in pro process. As and when this happens we shall provide a summary of the same. The audited financial statements of the bank for the year ended March 26 carry notes which are self-explanatory on the Dubai branch related matt...”

— From HDFC Bank Ltd Q4 FY2025-26 Concall, ConCall India (April 18, 2026)

“ROA is what uh we should focus on. POP is an intermediate right I mean you take higher risk and and give it and take it and you take it in the top line you give it away in the credit cost below the POP but PIOP doesn't determine what returns you can get so we focus on the returns on return on asset. At the growth profi...”

— From HDFC Bank Ltd Q4 FY2025-26 Concall, ConCall India (April 18, 2026)

“The one of the first things that they talk about is jurisdiction that India is not the jurisdiction for that complaint, and it had to move to the overseas jurisdiction where the event had happened. But, having said that, they go on to spell out there because they have the entire history of the case of the complaint, an...”

— From Not Yet Made A Recommendation To RBI On Chairman: HDFC Bank To CNBC-TV18, CNBC-TV18 (April 18, 2026)

“As regards the chairman appointment, is that of course, as I had mentioned in the previous you know, calls, both Kaizad and I were there. We are all rooting for Mr. Mistry to for the post, but of course, you know, we we do believe that there are certain processes that we need to conclude or before we can even put put f...”

— From Not Yet Made A Recommendation To RBI On Chairman: HDFC Bank To CNBC-TV18, CNBC-TV18 (April 18, 2026)

“We had estimated a system credit growth to be around 10 1/2 to 11 1/2%. We did 12% up from 5 1/2% last year. As you can see, there is positive momentum as we had expected. Deposit growth rate at 14.4% continues to grow faster than the credit growth, which is what we've always been doing. The growth rate is better than...”

— From HDFC Bank Q4 FY26 Earnings Conference Call | Concall.in, Concall (April 18, 2026)