HDB Financial Services Limited has announced its earnings call schedule to discuss the unaudited financial results for the quarter and nine months ending December 31, 2025. The conference call is set for January 14, 2026, providing investors and analysts an opportunity to engage with the company's senior management regarding Q3FY26 performance.

Earnings Call Details

The earnings call will commence at 6:30 PM IST on January 14, 2026, featuring discussions on the company's Q3FY26 unaudited financial results. Senior management will participate in the call to address questions and provide insights into the financial performance for the quarter and nine-month period.

Conference Call Access Information

The company has provided comprehensive dial-in information to facilitate participation from various regions:

Domestic Access Numbers

• India/Universal Numbers: +91 22 6280 1430 / +91 22 7115 8250

International Toll-Free Numbers

• USA: 18667462133
• UK: 08081011573
• Singapore: 8001012045
• Hong Kong: 800964448

Pre-Registration and Replay

To minimize wait times, participants can pre-register using the provided link with confirmation number 5688680. The pre-registration facility is designed to streamline the connection process for attendees.

Following the live session, an audio replay of the conference call will be made available on the company's official website, ensuring broader access to the discussed information for stakeholders who cannot attend the live call.

Regulatory Compliance

This earnings call announcement follows the company's intimation dated December 26, 2025, regarding the announcement of unaudited standalone financial results. The communication has been formally submitted to both the National Stock Exchange of India Limited and BSE Limited, maintaining compliance with Regulation 30 requirements.

HDB Financial Services has identified significant structural changes in India's retail credit landscape, highlighting the rapid adoption of digital-first lending models and evolving consumer preferences towards premium products. The transformation reflects broader socio-economic shifts as aspirational consumption spreads across different market tiers.

Digital Processing Dominance

The lending industry has embraced digital transformation at an unprecedented scale. Key statistics demonstrate this shift:

Lenders are leveraging bureau data, behavioral analytics and artificial intelligence to enable faster decisions, sharper risk assessment and more personalized pricing, thereby widening access to credit across consumer segments.

Consumer Behavior Transformation

Consumer spending patterns reveal a clear preference for premium products over entry-level options. This premiumization trend is particularly evident in consumer electronics, where demand for higher-value smartphones and devices continues rising. The shift reflects growing consumer confidence about discretionary spending, with buyers increasingly willing to invest in mid- to high-ticket purchases.

The preference for premium mobile phones exemplifies broader socio-economic changes, as aspirational consumption extends beyond metropolitan cities into Tier 2 and Tier 3 markets.

Geographic Growth Distribution

Credit growth is being powered by both established economic hubs and emerging consumption centers across India:

This geographic diversification indicates the democratization of credit access and the expansion of financial services into previously underserved markets.

Industry Outlook

Karthik Srinivasan, Chief Business Officer at HDB Financial Services, noted that customers today are "more confident, digitally aware, and willing to invest in products that offer exceptional value across price ranges." He emphasized the company's focus on delivering faster, simpler and more responsible credit solutions.

Seasonal demand for consumer durables remains robust, supported by growing preference for quick and flexible digital credit across education, lifestyle and personal spending needs. The convergence of digital technology adoption and changing consumer aspirations continues reshaping India's retail credit ecosystem.

HDB Financial Services observes 99% digital loan processing and rising premium product demand across India's retail credit landscape, with growth spanning from metros to Tier 2-3 cities. This trend underscores the rapid digital transformation and evolving consumer preferences in the country's financial services sector.