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Smartkarma AI

Smartkarma

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<ul>
  <li>On July 1, 2023, <a href="https://smartkarma.com/entities/housing-development-finance">HDFC Limited</a>, India's largest mortgage lender, merged with HDFC Bank, the country's largest private sector bank, in a historic $40 billion deal. This primer analyzes the pre-merger entity, <a href="https://smartkarma.com/entities/housing-development-finance">HDFC Limited</a>, and its integration into HDFC Bank.</li>
  <li>The merger creates a financial services behemoth with a combined asset base of around ₹18 trillion, positioning it to capitalize on India's burgeoning housing finance market. The home loan business is a central pillar of the merged entity's growth strategy.</li>
  <li>Significant cross-selling opportunities exist, as a large portion of <a href="https://smartkarma.com/entities/housing-development-finance">HDFC Limited</a>'s customers did not bank with HDFC Bank, and vice versa. The integration aims to leverage HDFC Bank's extensive distribution network and lower cost of funds to enhance the mortgage business.</li>
</ul><p><em>This content is AI-generated and displayed for general informational purposes only. Please verify independently before use.</em></p>


  On July 1, 2023, HDFC Limited, India's largest mortgage lender, merged with HDFC Bank, the country's largest private sector bank, in a historic $40 billion deal. This primer analyzes the pre-merger entity, HDFC Limited, and its integration into HDFC Bank.
  The merger creates a financial services behemoth with a combined asset base of around ₹18 trillion, positioning it to capitalize on India's burgeoning housing finance market. The home loan business is a central pillar of the merged entity's growth strategy.
  Significant cross-selling opportunities exist, as a large portion of HDFC Limited's customers did not bank with HDFC Bank, and vice versa. The integration aims to leverage HDFC Bank's extensive distribution network and lower cost of funds to enhance the mortgage business.
This content is AI-generated and displayed for general informational purposes only. Please verify independently before use.

Primer: HDFC Limited (HDFC IN) - Sep 2025