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HDFC Bank Limited (HDB) Total Return Calculator with Dividends Reinvested

HDFC Bank Limited

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The total return for HDFC Bank Limited (HDB) stock is -26.73% over the past 12 months. So far it's down 29.74% this year. The 5-year total return is -18.44%, meaning $10,000 invested in HDB stock 5 years ago would be worth $8,156 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HDB 1 year ago, it would be worth $7,247 today — you'd have lost $2,753 with dividends reinvested.

With Dividends Reinvested$7,247-27.53%

Price Only (No DRIP)$7,037-29.63%

Dividend Boost+$2093 payments · +2.09% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in HDB

1Y$7,327-$2,673 (-26.7%)-26.7% CAGR

3Y$8,423-$1,577 (-15.8%)-5.6% CAGR

5Y$8,156-$1,844 (-18.4%)-4.0% CAGR

10Y$19,456+$9,456 (+94.6%)6.9% CAGR

15Y$39,206+$29,206 (+292.1%)9.5% CAGR

20Y$102,991+$92,991 (+929.9%)12.4% CAGR

30Y$446,200+$436,200 (+4362.0%)13.5% CAGR

Dividend Reinvestment History (3)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-26	$0.66	$38.46	+0.017161
2025-07-31	$0.09	$38.39	+0.002262
2025-08-11	$0.38	$37.05	+0.010336

Loading HDB total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-29.74%	—	-29.74%	—	$7,026
1Y	-26.73%	-26.73%	-29.80%	+3.07 pp	$7,327
3Y	-15.77%	-5.56%	-23.63%	+7.86 pp	$8,423
5Y	-18.44%	-4.00%	-27.35%	+8.91 pp	$8,156
10Y	+94.56%	6.88%	+61.40%	+33.17 pp	$19,456
15Y	+292.06%	9.54%	+211.42%	+80.64 pp	$39,206
20Y	+929.91%	12.37%	+705.97%	+223.94 pp	$102,991
30Y	+4362.00%	13.50%	+3387.07%	+974.94 pp	$446,200

Risk & Highlights

Best Year+125.00%2003

Worst Year-43.96%2008

Max Drawdown-38.94%2025-07-23 → 2026-03-30

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-12.69%	-12.69%	—	+0.41%	-13.1pp
2025	+17.52%	+14.08%	+3.4pp	+16.64%	+0.9pp
2024	-1.33%	-4.14%	+2.8pp	+24.00%	-25.3pp
2023	-0.18%	-1.87%	+1.7pp	+24.81%	-25.0pp
2022	+3.73%	+2.86%	+0.9pp	-19.95%	+23.7pp

HDB underperformed the S&P 500 by 58.05pp over the past year (-26.73% vs +31.32%).

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HDB Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HDBHDFC Bank Limited	$196.1B	-0.2%	-29.7%	-26.7%	+3.1pp	-15.8%	-18.4%	+94.6%
IBNICICI Bank Limited	$95.7B	+2.6%	-10.8%	-20.2%	+0.7pp	+18.9%	+65.7%	+362.5%
HBMHudbay Minerals Inc.	$9.5B	+10.4%	+19.4%	+212.7%	+0.2pp	+353.7%	+178.6%	+490.5%
ITUBItaú Unibanco Holding S.A.	$93.1B	+0.2%	+18.0%	+48.5%	+10.2pp	+108.2%	+162.5%	+196.3%
BBDBanco Bradesco S.A.	$40.8B	+3.8%	+16.3%	+75.3%	+11.0pp	+48.4%	+20.4%	+62.1%
KBKB Financial Group Inc.	$39.3B	+10.9%	+29.7%	+71.2%	+4.3pp	+214.3%	+137.9%	+356.4%
SHGShinhan Financial Group Co., Ltd.	$34.1B	+9.2%	+27.7%	+90.4%	+3.5pp	+171.7%	+109.0%	+148.8%
WFWoori Financial Group Inc.	$16.8B	+4.3%	+18.7%	+87.1%	+7.3pp	+179.7%	+164.8%	+223.4%
BACBank of America Corporation	$407.9B	+7.1%	-3.7%	+33.9%	+2.7pp	+104.6%	+38.9%	+332.5%
JPMJPMorgan Chase & Co.	$849.0B	+6.6%	-2.3%	+28.7%	+2.4pp	+140.8%	+110.3%	+471.7%
CCitigroup Inc.	$222.9B	+8.7%	+8.5%	+87.1%	+3.5pp	+189.8%	+85.1%	+229.2%

Compare:HDB vs IBN HDB vs HBM HDB vs ITUB HDB vs IBN vs HBM

About HDB Dividend Returns

HDFC Bank Limited (HDB) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HDB over the past year?

HDFC Bank Limited (HDB) delivered a total return of -26.73% over the past year when dividends are reinvested. The price-only return was -29.80%, meaning dividends contributed an additional 3.07 percentage points to total returns.

Q2How much would $10,000 invested in HDB be worth today?

A $10,000 investment in HDFC Bank Limited one year ago would be worth $7,327 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $7,020. Dividend reinvestment added $307 to the portfolio value.

Q3Does HDB pay dividends?

Yes, HDFC Bank Limited (HDB) pays dividends. In the last year, HDB paid approximately $30.94 per share in dividends (1.27% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did HDB beat the S&P 500?

No, HDFC Bank Limited (HDB) underperformed the S&P 500 by 58.05 percentage points over the past year. HDB delivered a total return of -26.73%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed HDB by 58.05pp during this period.

Q5What is HDB's worst drawdown?

HDFC Bank Limited (HDB) experienced a maximum drawdown of -38.94% over the past year, declining from its peak on 2025-07-23 to its trough on 2026-03-30. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HDB's long-term total return over 10, 20, or 30 years?

Here are HDFC Bank Limited (HDB)'s long-term returns with dividends reinvested. Over 10 years, the total return is 94.6% (6.9% CAGR) — $10,000 would have grown to $19,456. Over 20 years: 929.9% total return (12.4% CAGR) — $10,000 → $102,991. Over 30 years: 4362.0% total return (13.5% CAGR) — $10,000 → $446,200. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HDB's best and worst year?

HDFC Bank Limited's best calendar year was 2003 with a total return of 125.0%. Its worst year was 2008 with a total return of -44.0%. This range shows the volatility investors should expect — the difference between the best and worst year is 169.0 percentage points.