HDB Financial Services reported net interest income of ₹2,399 crore in Q4FY26, up 5.0% QoQ and 21.6% YoY, while NIM improved to 8.23%. Cost-to-income ratio declined to 39.5%. Profit after tax rose to ₹751 crore. However, credit cost stood at ₹685 crore, and ₹2,815 crore for FY26.