Why did HDFC Bank share price fall today?

Two factors hit sentiment: a 6.33% slide in the HDFC Bank ADR overnight and concerns from the Q3 FY26 update about a high loan-to-deposit ratio. While advances and deposits grew double digits, investors worry about funding costs and margins. Markets now await the 17 January results for clarity.

What does a high loan-to-deposit ratio mean for HDFC Bank?

A high loan-to-deposit ratio suggests loans are growing faster than deposits. This can lift funding costs if the bank must offer higher deposit rates or tap wholesale funding. It may pressure net interest margins. Investors will watch if deposits accelerate and the ratio trends lower in coming quarters.

What should investors track in the Q3 FY26 results on 17 January?

Focus on net interest margin, deposit growth, CASA mix, and management’s guidance on the loan-to-deposit ratio. Also look for commentary on deposit pricing competition and branch expansion. Any signs of improved deposit traction or stable margins could support sentiment and the HDFC Bank share price.

Is HDFC Bank a buy, sell, or hold right now?

With technicals weak and earnings due on 17 January, a neutral stance makes sense. Our system’s Grade is B with a HOLD view. Short-term traders can watch ₹972–₹1009 levels. Longer-term investors may await clarity on margins, deposits, and the LDR trend before adding exposure.

Global Market Insights

HDFCBANK.NS Stock Today: January 07 – ADR Drop, LDR Worries Hit Shares

ByDanny Kontos January 7, 2026January 7, 2026

HDFC Bank share price slipped in early trade on 7 January after the HDFC Bank ADR fell 6.33% overnight. The bank’s Q3 FY26 update showed double-digit growth in advances and deposits, but a high loan-to-deposit ratio kept sentiment cautious. Investors now look to the 17 January results for clarity on margins, deposit traction, and the LDR path. On 6 January, HDFCBANK.NS closed at ₹977.5, near the lower Bollinger band. Intraday range was ₹976.3 to ₹1006.4, with volume above average.