HDBFS Q4 FY26 Guidance vs Delivery (HDBFS Management Mirror)

Growth and Loan Book Outlook

Management consistently guided for an 18% to 20% medium-term growth rate, pegged to nominal GDP plus 6% to 7% across the Sep'25, Dec'25, and Mar'26 Qtrs, with the consumer finance segment continuously expected to grow faster and gradually increase its total AUM share. In the Mar'26 Qtr, the company further outlined targets to reach a balanced 50/50 mix between new and used segments in the asset finance business over four years and expects to multiply disbursements by 2.2X in FY26 utilizing scaled digital sourcing channels. [Status: Reaffirmed]