v3.25.2
Loans - Allowance for Credit Losses (Detail)
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2025
INR (₨)
Mar. 31, 2025
USD ($)
Mar. 31, 2024
INR (₨)
Mar. 31, 2023
INR (₨)
Mar. 31, 2025
USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period ₨ 457,346.5 $ 5,353.4 ₨ 365,164.5 ₨ 372,671.8  
Allowance for credit losses on PCD Loans at acquisition 0.0 0.0 39,415.2    
Write-offs (149,389.6) (1,748.7) (128,987.2) (137,863.7)  
Net allowance for credit losses 227,872.4 [1] 2,667.4 [1] 181,754.0 [1] 130,356.4 [2]  
Allowance for credit losses, end of the period 535,829.3 $ 6,272.1 457,346.5 365,164.5  
Allowance for credit losses:          
Allowance individually evaluated for impairment 61,894.0   71,735.4 31,696.6 $ 724.5
Allowance collectively evaluated for impairment 473,935.3   385,611.1 333,467.9 5,547.6
Loans:          
Loans individually evaluated for impairment 94,500.6   110,714.5 37,061.8 1,106.2
Loans collectively evaluated for impairment 28,544,310.5   26,682,332.9 17,381,030.6 $ 334,125.1
Auto loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 29,948.9   33,835.5 41,769.4  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0    
Write-offs (9,586.7)   (8,648.1) (10,456.0)  
Net allowance for credit losses 17,085.4 [1]   4,761.5 [1] 2,522.1 [2]  
Allowance for credit losses, end of the period 37,447.6   29,948.9 33,835.5  
Allowance for credit losses:          
Allowance individually evaluated for impairment 3.0   8.0 4.6  
Allowance collectively evaluated for impairment 37,444.6   29,940.9 33,830.9  
Loans:          
Loans individually evaluated for impairment 3.5   8.0 16.4  
Loans collectively evaluated for impairment 1,550,903.9   1,378,515.1 1,221,081.2  
Personal loans/Credit card          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 116,999.6   99,634.4 111,566.4  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0    
Write-offs (95,746.2)   (74,794.1) (88,744.9)  
Net allowance for credit losses 114,516.3 [1]   92,159.3 [1] 76,812.9 [2]  
Allowance for credit losses, end of the period 135,769.7   116,999.6 99,634.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.0   1.0 0.0  
Allowance collectively evaluated for impairment 135,769.7   116,998.6 99,634.4  
Loans:          
Loans individually evaluated for impairment 0.0   1.0 0.8  
Loans collectively evaluated for impairment 3,426,193.3   3,119,245.7 2,782,827.7  
Retail business banking          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 75,300.5   63,974.8 49,055.0  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0    
Write-offs (2,061.0)   (1,630.1) (3,987.8)  
Net allowance for credit losses 24,429.6 [1]   12,955.8 [1] 18,907.6 [2]  
Allowance for credit losses, end of the period 97,669.1   75,300.5 63,974.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 2,691.1   2,498.3 2,320.3  
Allowance collectively evaluated for impairment 94,978.0   72,802.2 61,654.5  
Loans:          
Loans individually evaluated for impairment 3,087.8   2,924.9 2,782.0  
Loans collectively evaluated for impairment 4,964,602.2   4,204,911.3 3,375,843.2  
Commercial vehicle and construction equipment finance          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 32,096.1   31,130.6 31,750.9  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0    
Write-offs (14,270.3)   (9,796.1) (15,270.1)  
Net allowance for credit losses 20,223.4 [1]   10,761.6 [1] 14,649.8 [2]  
Allowance for credit losses, end of the period 38,049.2   32,096.1 31,130.6  
Allowance for credit losses:          
Allowance individually evaluated for impairment 281.1   184.4 15.0  
Allowance collectively evaluated for impairment 37,768.1   31,911.7 31,115.6  
Loans:          
Loans individually evaluated for impairment 426.5   184.4 290.8  
Loans collectively evaluated for impairment 1,861,767.1   1,619,418.5 1,285,597.0  
Housing loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 9,906.8   3,269.9 2,692.2  
Allowance for credit losses on PCD Loans at acquisition 0.0   2,927.9    
Write-offs (3,676.7)   (12,013.2) (479.0)  
Net allowance for credit losses 9,290.8 [1]   15,722.2 [1] 1,056.7 [2]  
Allowance for credit losses, end of the period 15,520.9   9,906.8 3,269.9  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.6   0.0 0.0  
Allowance collectively evaluated for impairment 15,520.3   9,906.8 3,269.9  
Loans:          
Loans individually evaluated for impairment 1.9   0.0 0.0  
Loans collectively evaluated for impairment 7,141,177.1   6,993,168.0 1,020,901.6  
Other retail          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 80,453.8   72,012.4 61,437.0  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0    
Write-offs (19,849.5)   (18,530.4) (15,769.9)  
Net allowance for credit losses 51,078.2 [1]   26,971.8 [1] 26,345.3 [2]  
Allowance for credit losses, end of the period 111,682.5   80,453.8 72,012.4  
Allowance for credit losses:          
Allowance individually evaluated for impairment 532.7   156.8 92.1  
Allowance collectively evaluated for impairment 111,149.8   80,297.0 71,920.3  
Loans:          
Loans individually evaluated for impairment 533.4   156.8 92.3  
Loans collectively evaluated for impairment 2,582,868.7   2,271,874.4 1,817,147.3  
Wholesale loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 112,640.8   61,306.9 74,400.9  
Allowance for credit losses on PCD Loans at acquisition 0.0   36,487.3    
Write-offs (4,199.2)   (3,575.2) (3,156.0)  
Net allowance for credit losses (8,751.3) [1]   18,421.8 [1] (9,938.0) [2]  
Allowance for credit losses, end of the period 99,690.3   112,640.8 61,306.9  
Allowance for credit losses:          
Allowance individually evaluated for impairment 58,385.5   68,886.9 29,264.6  
Allowance collectively evaluated for impairment 41,304.8   43,753.9 32,042.3  
Loans:          
Loans individually evaluated for impairment 90,447.5   107,439.4 33,879.5  
Loans collectively evaluated for impairment ₨ 7,016,798.2   ₨ 7,095,199.9 ₨ 5,877,632.6  
[1] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 46,446.6 million (US$ 543.8 million). Recoveries from retail loans is Rs. 215.4 million and from wholesale loans is Rs. 41,506.6 million.
[2] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs.36,181.4 million. Recoveries from retail loans is Rs.35,385.3 million and from wholesale loans is Rs.796.1 million.