HDFC also said for the fiscal year ended March 2011, its net profit rose 25% to Rs 3,535 crore, compared to Rs 2,826 crore a year earlier. During the year, total income rose to Rs 12,878 crore from Rs 11,361 core in the previous fiscal. The company's board proposed a dividend of Rs 9 per share for the financial year 2010-11.

Increasing requirement for hdfc home loan, strict controls on asset-liability mismatches, a stable spread, high asset quality that leads to low non-performing assets (NPAs) and a low cost structure combined to help HDFC show robust profits for the year, Keki Mistry, VC & CEO, HDFC told TOI. "We don't take any (assets-liability) mismatches," he said. HDFC's gross NPAs -performing loans as at March 2011 was Rs 904 crore, equivalent to 0.77% of its portfolio, as against 0.79% in the previous year. "This is the 25th consecutive quarter-end at which the percentages of non-performing loans have been lower than the corresponding quarter in the previous year," Mistry added.