<SEC-DOCUMENT>0001193125-25-143518.txt : 20250620
<SEC-HEADER>0001193125-25-143518.hdr.sgml : 20250620
<ACCEPTANCE-DATETIME>20250620134859
ACCESSION NUMBER:		0001193125-25-143518
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20250620
FILED AS OF DATE:		20250620
DATE AS OF CHANGE:		20250620

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HDFC BANK LTD
		CENTRAL INDEX KEY:			0001144967
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			K7
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15216
		FILM NUMBER:		251060582

	BUSINESS ADDRESS:	
		STREET 1:		'HDFC BANK HOUSE', SENAPATI BAPAT ROAD
		STREET 2:		LOWER PAREL (WEST), MUMBAI INDIA
		CITY:			INDIA
		STATE:			K7
		ZIP:			400013
		BUSINESS PHONE:		91224957676

	MAIL ADDRESS:	
		STREET 1:		KAMALA MILLS COMPOUND
		STREET 2:		SENAPATI BAPAT MARG, LOWER PAREL
		CITY:			MUMBAI INDIA
		STATE:			K7
		ZIP:			400013
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>d98285d6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 6-K</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
<DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Form <FONT STYLE="white-space:nowrap">6-K</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Report of Foreign Private Issuer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant to Rule <FONT STYLE="white-space:nowrap">13a-16</FONT> or <FONT STYLE="white-space:nowrap">15d-16</FONT> under the </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the month of June, 2025 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission File Number <FONT STYLE="white-space:nowrap">001-15216</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>HDFC BANK LIMITED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Translation of registrant&#146;s name into English) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>HDFC Bank House, Senapati Bapat Marg, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Lower Parel, Mumbai. 400 013, India </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Address of principal executive office) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant files or will file annual reports under cover of Form <FONT STYLE="white-space:nowrap">20-F</FONT> or Form <FONT
STYLE="white-space:nowrap">40-F.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form <FONT STYLE="white-space:nowrap">20-F&#8194;&#9746;&#8195;&#8195;&#8195;&#8195;Form</FONT> <FONT
STYLE="white-space:nowrap">40-F&#8194;&#9744;</FONT> </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman"><B>HDFC BANK LIMITED</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">&#8195;&#8195;&#8195;(Registrant)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: June&nbsp;20, 2025</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">Ajay Agarwal</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-3.00em; font-size:10pt; font-family:Times New Roman">Name:&#8201;&#8202;Ajay Agarwal</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.00em; text-indent:-3.00em; font-size:10pt; font-family:Times New Roman">Title:&#8194;&#8201;&#8202;Company Secretary</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:3.00em; text-indent:-3.00em; font-size:10pt; font-family:Times New Roman">&#8195;&#8195;&#8194;&#8201;&#8201;Group Head &#150; Secretarial&nbsp;&amp; Group Oversight</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following documents (bearing the exhibit number listed below) are furnished herewith and are made a part of this report pursuant to the General
Instructions for Form <FONT STYLE="white-space:nowrap">6-K.</FONT> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U><A HREF="d98285dex99.htm">Exhibit No. 99 </A> </U></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Description </U></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Disclosure </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>d98285dex99.htm
<DESCRIPTION>EX-99
<TEXT>
<HTML><HEAD>
<TITLE>EX-99</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;20, 2025 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>New York Stock Exchange </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11, Wall Street, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NY 10005 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">USA </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Sir, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Sub: Disclosure </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This is to inform you that Mr.&nbsp;Vinay Razdan has tendered his resignation as the Chief Human Resource Officer of the Bank and the Bank has accepted the
said resignation with effect from the close of business hours on June&nbsp;18, 2025. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Accordingly, the details as required in terms of disclosure under
Regulation 30 read with Clauses 7 and 7C of Paragraph A of Part A of Schedule&nbsp;III to the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 are enclosed herewith as Annexure&nbsp;I and Annexure&nbsp;II respectively. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You are requested to kindly take the above on your record. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Yours faithfully, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>For HDFC Bank Limited </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Sd/- </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Ajay Agarwal </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Company Secretary&nbsp;&amp; Head &#150; Group Oversight </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g98285g04g04.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Annexure I </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8pt"><B>Sr.&#8195;<BR>No.&#8195;</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000"><B>Particulars</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-right:2pt"><B>Description</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">1.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Name of the Senior Management Personnel</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">Mr.&nbsp;Vinay Razdan</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">2.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000">Reason for change viz. resignation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">Resignation</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">3.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Date of cessation</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">The Bank has accepted the said resignation with effect from the close of business hours on June&nbsp;18,
2025</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">4.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000">Brief profile (in case of appointment);</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">Not Applicable</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">5.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Disclosure of relationships between directors (in case of appointment of a director).</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">Not Applicable</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">6.</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">Letter of Resignation along with detailed reason for the resignation</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">The email received from Mr.&nbsp;Vinay Razdan tendering his resignation is enclosed as <B>Annexure&nbsp;II</B>.</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Annexure II </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="24%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="23%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Subject:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">FW: Resignation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>From:</B> Vinay Razdan &lt;<U>Vinay.Razdan@hdfcbank.com</U>&gt; </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Sent:</B> Monday, June 2, 2025 10:56 AM </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>To:</B> Srinivasa
Rangan &lt;<U>srinivasa.rangan@hdfcbank.com</U>&gt; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Cc:</B> Sashi Jagdishan &lt;<U>Sashi.Jagdishan@hdfcbank.com</U>&gt;; Kaizad Bharucha
&lt;<U>kaizad.bharucha@hdfcbank.com</U>&gt;; Bhavesh&nbsp;Zaveri&nbsp;&lt;<U>bhavesh.zaveri@hdfcbank.com</U>&gt; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Subject:</B> Resignation </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr Rangan, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I wish to resign from my position of CHRO at HDFC
Bank and am providing 3 months notice as required under terms of service. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I shall proceed on Gardening Leave for the duration of notice period unless
communicated otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Kindly acknowledge this communication. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Regards, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Vinay Razdan </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chief Human Resources Officer </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">HDFC Bank Ltd 5th Floor, Sandoz
House, Shiv Sagar Estate, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dr.&nbsp;Annie Besant Road, Worli Mumbai 400 018. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g98285g04g04.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g98285g04g04.jpg
M_]C_X02317AI9@  34T *@    @ " $2  ,    !  $   $:  4    !
M;@$;  4    !    =@$H  ,    !  (   $Q  (    ?    ?@$R  (    4
M    G0$[  (    0    L8=I  0    !    Q    /  +<;    G$  MQL
M "<0061O8F4@4&AO=&]S:&]P(#(V+C<@*%=I;F1O=W,I #(P,C4Z,#8Z,3D@
M,3DZ,C Z,3@ 4F%D:&$@1&EN9V%N:V%R       #H $  P    '__P  H (
M!     $   " H , !     $    M          8! P #     0 &   !&@ %
M     0   3X!&P %     0   48!*  #     0 "   " 0 $     0   4X"
M @ $     0   ST         2     $   !(     ?_8_^T #$%D;V)E7T--
M  '_[@ .061O8F4 9(     !_]L A  ," @("0@,"0D,$0L*"Q$5#PP,#Q48
M$Q,5$Q,8$0P,# P,#!$,# P,# P,# P,# P,# P,# P,# P,# P,# P, 0T+
M"PT.#1 .#A 4#@X.%!0.#@X.%!$,# P,#!$1# P,# P,$0P,# P,# P,# P,
M# P,# P,# P,# P,# P,# S_P  1"  + !\# 2(  A$! Q$!_]T !  "_\0!
M/P   04! 0$! 0$          P ! @0%!@<("0H+ 0 !!0$! 0$! 0
M   !  (#! 4&!P@)"@L0  $$ 0,"! (%!P8(!0,,,P$  A$#!"$2,05!46$3
M(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T
M-A?25>)E\K.$P]-UX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=7
M9W>'EZ>WQ]?G]Q$  @(! @0$ P0%!@<'!@4U 0 "$0,A,1($05%A<2(3!3*!
MD12AL4(CP5+1\#,D8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T
M9>+RLX3#TW7C\T:4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7
MI[?'_]H # ,!  (1 Q$ /P#6ZIT'JUK,04]-NM97>Q]U3+*JG^D ?MM%F8W*
M:[,^UY'Z>JW]!]G]1!/U?S?T8;]7<O5S?4+LUIVMW[G[?\H?K#_3]G_:7?\
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M3W5T<'5T    !0    !0<W138F]O; $     26YT965N=6T     26YT90
M  !#;')M    #W!R:6YT4VEX=&5E;D)I=&)O;VP     "W!R:6YT97).86UE
M5$585     $       ]P<FEN=%!R;V]F4V5T=7!/8FIC    # !0 '( ;P!O
M &8 ( !3 &4 = !U '        IP<F]O9E-E='5P     0    !";'1N96YU
M;0    QB=6EL=&EN4')O;V8    )<')O;V9#35E+ #A"24T$.P     "+0
M !     !       2<')I;G1/=71P=71/<'1I;VYS    %P    !#<'1N8F]O
M;       0VQB<F)O;VP      %)G<TUB;V]L      !#<FY#8F]O;
M0VYT0V)O;VP      $QB;'-B;V]L      !.9W1V8F]O;       16UL1&)O
M;VP      $EN=')B;V]L      !"8VMG3V)J8P    $       !21T)#
M P    !29" @9&]U8D!OX            $=R;B!D;W5B0&_@
M0FP@(&1O=6) ;^            !"<F1456YT1B-2;'0               !"
M;&0@56YT1B-2;'0               !2<VQT56YT1B-0>&Q <L
M  IV96-T;W)$871A8F]O; $     4&=0<V5N=6T     4&=0<P    !09U!#
M     $QE9G15;G1&(U)L=                %1O<"!5;G1&(U)L=
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M!!D       0    >.$))30/S       )           ! #A"24TG$
M"@ !          $X0DE- _4      $@ +V9F  $ ;&9F  8       $ +V9F
M  $ H9F:  8       $ ,@    $ 6@    8       $ -0    $ +0    8
M      $X0DE- _@      '   /____________________________\#Z
M  #_____________________________ ^@     ____________________
M_________P/H     /____________________________\#Z   .$))300(
M       0     0   D    )      #A"24T$1       $     (   )    "
M0      X0DE-!!X       0     .$))300:      -#    !@
M    +0   (     ' $8 :0!L &4 <P M #$    !
M      $              (     M                      $
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M     0      "6AO<GI!;&EG;F5N=6T    /15-L:6-E2&]R>D%L:6=N
M!V1E9F%U;'0    )=F5R=$%L:6=N96YU;0    ]%4VQI8V5697)T06QI9VX
M   '9&5F875L=     MB9T-O;&]R5'EP965N=6T    115-L:6-E0D=#;VQO
M<E1Y<&4     3F]N90    ET;W!/=71S971L;VYG          IL969T3W5T
M<V5T;&]N9P         ,8F]T=&]M3W5T<V5T;&]N9P         +<FEG:'1/
M=71S971L;VYG       X0DE-!"@       P    "/_         X0DE-!!$
M      $! #A"24T$%       !     (X0DE-! P      UD    !    'P
M  L   !@   $(    ST &  !_]C_[0 ,061O8F5?0TT  ?_N  Y!9&]B90!D
M@     '_VP"$  P(" @)" P)"0P1"PH+$14/# P/%1@3$Q43$Q@1# P,# P,
M$0P,# P,# P,# P,# P,# P,# P,# P,# P,# P!#0L+#0X-$ X.$!0.#@X4
M% X.#@X4$0P,# P,$1$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,
M# P,#/_  !$(  L 'P,!(@ "$0$#$0'_W0 $  +_Q $_   !!0$! 0$! 0
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MVS3[)/K&9]??/JGZ.[V[O_ _64O'GU]'?][A_P"EPL%8NX?_V0 X0DE-!"$
M     %<    ! 0    \ 00!D &\ 8@!E "  4 !H &\ = !O ', : !O '
M   4 $$ 9 !O &( 90 @ %  : !O '0 ;P!S &@ ;P!P "  ,@ P #( -0
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MQ &B    !@(# 0             '" 8%! D#"@(!  L!   & P$! 0
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MY?;CVDDOY=HM^5]MEW58]?A#5J(\QD<1Q/7OZ^>Y2V4>YS;O>1[:SZ?$+R$
MYX@2ZAP\P/V=.#?S$?YHWW5+CU^7?S>_B593FLH\6,]V4<QD*%1=\AC<,<-_
M%<IC(AR]530RTZ#]3C\I(.1_96</*NR;4MI&YCEE)8+#(/\ 0WQ\1.!3%>E@
MYL]VC>6UA]7?&\GC\2)?$?\ 43)#*?%H*@$@$@D T!IU'I?YC?\ ,]R'W_\
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MTZ0>WWN2W(\>\6RV,<UI<Z:*S*1BM=0UK6H)%.%.C!]L_P [ON;M?=/Q=/\
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M!U1E>X.!6JC*R'W^W=MVW2:_LXI-CG#!8=:Z@"NE0<B@X:J,:T)J"V"8U_\
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M_P#L[]Z/O3[H'CSC<_[S%_T!U[_6IY$_Z9Y/^<LW_0?7O^&$/Y4'Y^*&*_\
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M?]('QP_TM_[+A_I ^QQ7^RR_WB&T?N_X#KQW]U?[D<_P_P#NQ_%?LOX)Y/\
M<?\ Q7[;['_+/#[]U[I5_*__ &2S^'=<?[.3_H._A?\ >C(?Z/3W;_=_^'_Q
MG^#5']Y?MQGO\F_@/\!U?QO[K_<3]IH^^]'C]^Z]T(M#_LN7V=)_#?\ 1%]C
M_I-VI]C]C_=?[3_2]_=?;_\ <C[(PCP_WY_N7_"OX9H_RO\ AOVWA_9\?OW7
MNBR]8?\ #8&GO;_1;_LH?A_AG8G^GW^#_P"CH4W]S/OH/]*/][?NB:;_ $6?
MQJW\5T_[]W^)^3R?Y5Y/?NO="?\ '#_9*O[F]>?[+/\ Z$O[K_<=@_Z/O[D?
MP7[[^)WQO^E/[/S_ ._@_CVG['^.?<?Y9X_M_N?3XO?NO= _L3_AL+^Y6]?]
M&Q^,7]P_].O7W][#M(;=_AG^G/\ OM2?Z(Q1#&'S?Q3^_'_'L?PW_(/N?N/L
M./N/?NO=9NNO^&OO[Z[K_P!&_P#LIW]_O[S;I_O5_"O[E_WB_BO][,%_>,/Y
MC]V-K_Z0OL/&8/\ <-_>#1]O_EU_?NO=";\AO]D;_NM5?[,?_H%_NY_IDP?W
M?]]_[NEO].W\ Q'\/#^.V1_OY_<?[;[HK_E']WM7W7^X[R>_=>Z1_P KH.LJ
MGX!=HQ]896BPWQZ'5&8EW%6= X#J+<N+;X[Q1/)VY1=?XW=NY=I]6)AZ_K1<
MM#]U%5,])3.\V/IZFJ2"!_=>ZF=D?\-Y?=_%K_2I_LO/W_\ #]L_[*I_?7^!
M?=_P+[3"?W0&S_XM^[_=_P"X_A7V)JO\C_BGV/C_ ,N^U]^Z]UR@_P"&Z_\
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=%^R^Z)G&^O[J_P# 'PWSW\!\=O\ (/'[]U[K_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
