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Srinivasan Vaidyanathan

Chief Financial Officer, HDFC Bank

Search every verified Srinivasan Vaidyanathan interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Srinivasan Vaidyanathan, Chief Financial Officer of HDFC Bank, opened the bank's Q1 FY27 earnings conference call on July 18, 2026, welcoming participants and introducing CEO Sashi Jagdishan and Deputy MD Kaizad Bharucha before handing over the presentation. During the call, Vaidyanathan noted that deposit growth was relatively better than historical first-quarter trends and that the bank continued to gain market share on both incremental and stock bases. He described the FCNR policy window offered to the banking system as a significant opportunity, stating that the bank had spent much of June completing necessary documentation and approvals with counterparty banks across jurisdictions. He also mentioned the ECLGS scheme 5.0 as a favorable opportunity, anticipating growth in the mid-market segment. Vaidyanathan identified the cost of funds as the largest opportunity for margin improvement, suggesting a potential change of 40 to 50 basis points relative to historical norms and industry comparisons, while cautioning that such a shift would not occur quickly. He closed the call by thanking participants and indicating that the investor relations team would remain available for further dialogue.

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Notable quotes

“As liquidity and economic growth improves, we are well placed to grow both in deposits and loans. Deposits as I mentioned grew 15.8% over prior year and loans momentum as seen in the sequential growth was at 3.3% sequential growth which works to about the annualized rate of about 12 to 13%.”

“As we look forward for FY26, we expect GDP growth to sustain supported by pickup in rural spending, discretionary consumer demand, investment activity and multiplier effect of the income tax reduction and RBI repo cut boost to aggregate demand along with the providing durable liquidity to the system. We acknowledge that the global macro environment outlook has become more uncertain due to the recent tariff related me”

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