Shares of HDFC Bank fell 3% on Wednesday after the country's top private lender said its completed merger with HDFC Ltd would affect some key financial ratios.

The bank expects pressure on its net interest margins (NIM) and a rise in non-performing assets (NPA), according to analyst reports following an analyst meet earlier this week. (Reporting by Sethuraman NR in Bengaluru; Editing by Savio D'Souza)