MASHINIi

HDFC Bank.

HDB.US | Other monetary intermediation

HDFC Bank is a major Indian banking and financial services company. It provides a wide range of banking services including retail banking, wholesale banking, and treasury operations. Its retail banking services include deposit accounts, loans, credit cards, and investment products. Wholesale banking...Show More

Ethical Profile

Mixed.

HDFC Bank exhibits a mixed ethical record. The bank champions financial inclusion, operating over 4,600 rural/semi-urban branches and dedicating a $500 million IFC credit line to microloans for underserved women. Its CSR expenditure of Rs 945.31 crore has impacted over 10 crore lives. However, HDFC Bank has received SEBI warnings for alleged non-compliance regarding disclosures, including a fund transfer and delayed senior employee resignation. Environmentally, while targeting carbon neutrality by FY32 and 50% renewable electricity, reports suggest only 0.7% renewable energy use in 2023, with increased Scope 2 emissions. Its 9% emission reduction target by 2025 is considered insufficient. Waste initiatives include recovering hundreds of metric tonnes of dry waste monthly.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity10
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-50
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products-30
-100100

Better Health for All

0

No evidence available to assess HDFC Bank on Better Health for All.

Fair Money & Economic Opportunity

10

HDFC Bank has 51% of its branches located in semi-urban and rural areas.

1
These over 4,600 branches aim to cover nearly two-thirds of India's population.
2
The bank has also launched the Pragati Savings Account specifically targeting farmers, self-employed individuals, and rural residents in these regions, and partnered with BigHaat to empower over 17 million farmers.
3

Fair Pay & Worker Respect

0

HDFC Bank provides 100% health insurance coverage for its permanent employees.

1
The company's voluntary employee turnover rate was 22.6% in FY25, a decrease from 26.9% in FY24
2
and 34% in FY23.
3
However, only 0.18% of its permanent employees (252 out of 141,576) were members of recognized associations or unions in FY 2021-22.
4

Fair Trade & Ethical Sourcing

0

No evidence available to assess HDFC Bank on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

HDFC Bank received multiple administrative warning letters from SEBI in December 2024.

1
These warnings were for non-compliance with regulatory norms regarding disclosures, including the delayed disclosure of a senior executive's resignation
2
and issues related to a fund transfer involving subsidiaries
3
. No monetary fines were reported in the provided articles.

Kind to Animals

0

No specific, concrete data points were found in the provided articles to assess HDFC Bank against the 'Kind to Animals' ethical value. The articles discuss general CSR initiatives, including environmental conservation, and the bank's involvement in a government scheme for animal husbandry infrastructure development. However, these do not provide measurable metrics related to cruelty-free certifications, animal testing, humane operations, wildlife conservation impact, ethical input substitution, supplier audits, cage-free sourcing, animal agriculture ethics, or policy advocacy for animal welfare standards. The bank's role as a financier in animal agriculture does not provide details on the ethical practices of the operations it finances.

No War, No Weapons

0

No relevant data was found in the provided articles to assess HDFC Bank against the 'No War, No Weapons' ethical value. The single article available, a quarterly review of Prime Funds, Prime ETFs, and Prime Portfolios, does not contain any information pertaining to HDB.US or the specific metrics related to defense or peacebuilding investments.

1

Planet-Friendly Business

-50

HDFC Bank reported total Scope 1, 2, and 3 greenhouse gas emissions of 24,856.59 MT CO2e in 2023

1
, a significant reduction from 315,583 MT CO2e in 2021.
2
The bank aims for carbon neutrality by 2031-32 for Scope 1 and 2 emissions
3
, with a 9% emission reduction target by 2025
4
and a goal to convert 50% of sourced electricity to renewable energy.
5
However, in 2023, only 0.7% of its operational energy consumption came from renewables.
6
The bank does not have SBTi-validated science-based carbon reduction targets.
7
Its waste diversion rate was 15.4% in 2023
8
, and it reported no environmental compliance violations.
9
HDFC Bank is working on TCFD recommendations.
10

Respect for Cultures & Communities

0

No specific, quantifiable evidence was found in the provided articles that directly maps to any of the defined Key Performance Indicators for 'Respect for Cultures & Communities'. While HDFC Bank's CSR report for FY24 details a CSR expenditure of Rs 945.31 crore

1
and indicates an impact on over 10.19 crore lives
2
across more than 9,000 villages
3
and 10 lakh households,
4
this information does not provide the specific percentages, numbers, or protocols required by the rubric's KPIs, such as local revenue reinvestment, formal partnerships with community groups, cultural preservation investment, or cultural impact assessment protocols.

Safe & Smart Tech

0

No evidence available to assess HDFC Bank on Safe & Smart Tech.

Zero Waste & Sustainable Products

-30

HDFC Bank has implemented numerous waste reduction initiatives, including setting up a Swachhta Kendra (Material Recovery Facility) in Greater Noida, which recovers 200-300 metric tonnes of dry waste monthly.

1
The bank's dry waste recycling and management project has processed over 4,000 metric tonnes of dry waste across five cities.
2
In FY 2024-25, it diverted over 200 metric tonnes of dry waste from landfills in Bir and Dharamshala.
3
The bank aims to implement solid waste management systems in over 1,000 villages and establish material recovery facilities in 15 urban local bodies by 2025.
4
It also conducts plastic awareness campaigns, including drives and online pledges, and provides recycling bins for customer use.
5
In FY22, no cases of non-compliance with environmental laws and regulations were identified.
6

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.