v3.25.2
Deposits
12 Months Ended
Mar. 31, 2025
Deposits
1
6
. Deposits
Deposits include demand deposits, which are
non-interest-bearing,
and savings and time deposits, which are interest-bearing. Deposits as of March 31, 2024 and March 31, 2025 are as follows:
 

 
  
As of March 31,
 
 
  
2024
 
  
2025
 
  
2025
 
 
  
(In millions)
 
Interest-bearing:
        
Savings deposits
   Rs. 5,987,449.1      Rs. 6,304,659.5      US$ 73,799.1  
Time deposits
     14,700,957.1        17,689,697.7        207,066.6  
  
 
 
    
 
 
    
 
 
 
Total interest-bearing deposits
     20,688,406.2        23,994,357.2        280,865.7  
Non-interest-bearing
deposits
     3,079,829.4        3,116,596.7        36,481.3  
  
 
 
    
 
 
    
 
 
 
Total
   Rs.  23,768,235.6      Rs.  27,110,953.9      US$  317,347.0  
  
 
 
    
 
 
    
 
 
 
As of March 31, 2024 and March 31, 2025, time deposits of Rs. 10,598,905.6 million and Rs. 12,328,690.0 million, respectively, had a residual maturity of one year or less. The remaining deposits mature between
one
and ten years.
As of March 31, 2024 and March 31, 2025, time deposits in excess of Rs.0.5 million aggregated Rs. 12,777,915.1 million and Rs. 15,657,927.8
 million, respectively.
As of March 31, 2025, the scheduled maturities for total time deposits were as follows:
 

 
  
As of March 31, 2025
 
 
  
(In millions)
 
Due to mature in the fiscal year ending March 31:
  
  
2026
   Rs. 12,328,690.0      US$ 144,313.4  
2027
     3,205,064.6        37,516.9  
2028
     1,073,058.3        12,560.7  
2029
     466,507.6        5,460.7  
2030
     414,373.9        4,850.4  
Thereafter
     202,003.3        2,364.5  
  
 
 
    
 
 
 
Total
   Rs.  17,689,697.7      US$  207,066.6