HDB Dividend Calculator
HDFC Bank Limited yields 3.64%, close to the 2.92% median across US dividend payers — a rate that is unremarkable in itself, which puts the weight on how reliably it is paid rather than on how large it is. The figures below convert it into cash at a range of investment sizes.
HDB paid $0.84 per share over the last twelve months on a semi-annual schedule. Enter any amount below, or use the worked figures.
Your investment
HDB
HDFC Bank Limited
3.64%
yield
Dividend income
$10,000 in HDB pays you
$364.02
per year
- Paid twice a year
- $182.01
- Monthly average
- $30.33
- Shares bought
- 434.59
- Payments a year
- 2
Total over 10 years, taken as cash
$3,640.16
Based on the trailing twelve-month dividend, assuming it stays flat. Payments are not guaranteed and can be cut or suspended at any time. Figures are before tax and exclude any change in the share price.
HDB dividend income by investment amount
Based on the current yield of 3.64%. Figures are before tax and assume the dividend stays at its present level.
| Invested | Per year | Per payment | Monthly average |
|---|---|---|---|
| $1,000 | $36.40 | $18.20 | $3.03 |
| $5,000 | $182.01 | $91.00 | $15.17 |
| $10,000 | $364.02 | $182.01 | $30.33 |
| $25,000 | $910.04 | $455.02 | $75.84 |
| $50,000 | $1,820.08 | $910.04 | $151.67 |
| $100,000 | $3,640.16 | $1,820.08 | $303.35 |
HDB with dividends reinvested
$10,000 in HDB, every dividend reinvested, holding the payment and share price flat. Deliberately conservative — most calculators assume years of uninterrupted growth, and that assumption drives most of the result.
- After 10 years
- $14,344
- After 20 years
- $20,575
- After 30 years
- $29,512
$13,640 taking the income as cash
$17,280 taking the income as cash
$20,920 taking the income as cash
What makes up HDB's 3.64% yield
HDB paid $0.84 per share over the last twelve months against a share price of $23.01, which is where the 3.64% comes from. Special and one-off distributions are excluded from that figure — they do not recur, and including them would overstate every projection below.
A yield close to the market median is the least informative figure on this page — it is what most payers look like. What separates HDB from the rest of that group is the schedule it pays on, the record behind the payment and what funds it, covered below.
Bank and insurer dividends are constrained by capital requirements as well as by earnings — a regulator can restrict distributions in a stress scenario regardless of what the business earned. Payments here have historically moved sharply in both directions around credit cycles.
When HDB pays, and what that changes
HDB pays semi-annual, which is unusual among US-listed payers and has two consequences the annual figure hides. The "monthly average" column is an average and nothing more — no cash arrives in most months — and the gap between payments means a holder buying between them waits longer for the first one.
Infrequent payments also compound marginally more slowly when reinvested, since each distribution spends longer as cash before it is put back to work. The reinvestment figures above use HDB's real schedule rather than assuming quarterly payments.
Each payment has an ex-dividend date, and it is the date that governs entitlement: shares bought on or after it do not carry that payment. HDB's full schedule and payment history are on its dividend page.
Is HDB's dividend covered by earnings?
HDB's payout ratio of 0.00 means roughly 0% of earnings go to the dividend, leaving the rest retained. A margin that size is what allows a payment to be maintained through a weaker year without being funded from borrowing.
Demand in this kind of business holds up across a cycle, so the earnings behind the ratio move less than the market's average and the figure is reasonably representative rather than a snapshot of a good year.
The figures hold the dividend flat. HDB has raised its payment in each of the last 4 years, which is a shorter record than the multi-decade streaks found among the longest-standing payers, and not yet long enough to have been tested across a full cycle.
HDB dividend calculator FAQ
- How much does $10,000 in HDB pay in dividends?
- At HDB's current yield of 3.64%, $10,000 pays about $364.02 a year — roughly $182.01 per payment, paid semi-annual, or $30.33 a month averaged out.
- What would HDB be worth after 10 years with dividends reinvested?
- Reinvesting every dividend and assuming the payment and share price both stay flat, $10,000 in HDB would grow to about $14,344 after 10 years, against $13,640 if the income were taken as cash. That deliberately assumes no dividend growth — a real holding may do better or considerably worse.
- How often does HDB pay dividends?
- HDB pays semi-annual — 2 payments a year — based on its actual payment history rather than an assumed schedule.
- Is HDB's dividend guaranteed?
- No. Dividends are discretionary and can be reduced or suspended at any time, and every figure here is a projection from the current yield rather than a forecast. Check HDB's full payment history before relying on any of it.
More on HDB
HDFC Bank Limited is a common stock trading at $23.01 per share, paying semi-annual. — All figures before tax. Not financial advice.