HDFC Bank (BSP:H1DB34) Moat Score : 7/10 (As of Jul. 04, 2025)

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What is HDFC Bank Moat Score?

HDFC Bank has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

HDFC Bank has Wide Moat: HDFC Bank possesses a wide moat due to its market leadership in India, strong brand, and extensive distribution network. It benefits from significant customer switching costs and regulatory barriers, ensuring durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes HDFC Bank might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Competitive Comparison of HDFC Bank's Moat Score

For the Banks - Regional subindustry, HDFC Bank's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

HDFC Bank's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, HDFC Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where HDFC Bank's Moat Score falls into.

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HDFC Bank (BSP:H1DB34) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

HDFC Bank Moat Score Related Terms

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HDFC Bank Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HDFC Bank Ltd (BSP:H1DB34) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

HDB:USA HDB:Mexico HDFCBANK:India 500180:India 0A7I:UK HDFA:Germany HDFA:Germany HDB:Argentina

Address

Senapati Bapat Marg, HDFC Bank House, Lower Parel (West), Mumbai, MH, IND, 400013

Website

https://www.hdfcbank.com

HDFC Bank Ltd is an Indian bank. It operates in the following segments; Treasury, Retail banking, Wholesale banking, and Other banking business. The maximum revenue for the company is generated from its Retail banking segment which serves retail customers through its branch network and other channels. This segment raises customer deposits and provides loans and other services to customers using different product groups. Its other operations include providing wholesale banking services to corporates, government entities, and other enterprises, generating income from its treasury operations, and performing para banking activities such as offering credit cards, debit cards, etc. Geographically, the company generates a majority of its revenue from its operations in India.

HDFC Bank Headlines

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