From Rs 15 Cr Missed ESOPs To 25,000 Shares Target: Advisor Buys 10 HDFC Bank Stocks Monthly

Last Updated:July 21, 2025, 11:35 IST

Financial advisor regrets leaving Rs 15 crore gains in HDFC Bank stocks for a 25% salary hike. He now buys 10 HDFC shares monthly, aiming for 25000 shares in 10-20 years.

A financial advisor has shared an interesting anecdote on how he left ESOPs worth Rs 15 crore in HDFC Bank stocks by switching job for a 25 per cent salary hike. He regretted his decision to lose compounded gains that could have been made if he had stayed longer, as explained in the X post by Gurmeet Chadha, a Chief Investment Officer of a wealth management company.

His post came in the context of the first bonus issue in over 30 years by India’s largest private lender.

At the time, Chadha chose to exit without vesting his Employee Stock Option Plan (ESOPs), tempted by the immediate increase in salary. However, by 2010, he realised the long-term wealth he had forgone. As a result, he started buying 10 HDFC Bank shares every month—a disciplined investing habit he has continued for nine years.

In a striking comparison, he noted that a former colleague who stayed back and allowed the ESOPs to vest is now sitting on a fortune worth Rs 15 crore. “Lesson learnt—Never interrupt the compounding process,” Chadha wrote.

Chadha said that he has been compensating his foregone by purchasing 10 HDFC Bank shares every month for the last 15 years, apart from adding lump sum during corrections.

He said he has been looking to have over 25000 shares with a time horizon of 10-20 years.

“Yes I have been for more 15 years + & also add lump sum during corrections. My quantity goal is 25000 shares. I think of 10-20 times in 10-20 years & not 10-20%,” he added in the X post.

In a regulatory filing along with Q1FY26 results, HDFC Bank also announced a bonus issue. It said, “Issuance of Bonus equity shares in the proportion of 1:1 i.e. 1 (One) equity share of Re. 1/- each for every 1 (One) fully paid-up equity share of Re. 1/- each held by the Members of the Bank as on the Record Date (mentioned below).”

The bank also announced a special interim dividend of Rs 5 per equity for the financial year 2025-26.

HDFC Bank shares have given a whopping 35,994 per cent since the listing in 1995, as per Google Finance. This also include two times stock splits in 2011 and 2019.

HDFC Bank on Saturday reported a 12.24 per cent year-on-year rise in its standalone net profit to Rs 18,155.21 crore for the first quarter ended June 2025. Its net interest income, which is the difference between interest earned and interest expended, rose 5.4% to Rs 31,439 crore in April-June, against Rs 29,839 crore in the year-ago period.

Its net profit had stood at Rs 16,174.75 crore in the corresponding period last year.

However, on a consolidated basis, its net profit fell by 1.31 per cent to Rs 16,258 crore for the June 2025 quarter. The lender had reported a net profit of Rs 16,475 crore in the year-ago period.

Disclaimer: The views and investment tips by experts in this News18.com report are their own and not those of the website or its management. Users are advised to check with certified experts before taking any investment decisions.

Varun Yadav

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More

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