Net profit in the year-ago quarter was Rs 3,052 crore at HDFC. A poll of analysts by Bloomberg had predicted net profit at Rs 2,605 crore. Net interest income (NII), or the lender's core earnings from lending, climbed 22 per cent and net interest margin surged to 3.70 per cent up from 3.10 per cent reported a year earlier, paced by growth in loans to individuals.