| Schedule of Segment Reporting Information, by Segment |
Summarized segment information for the fiscal years ended March 31, 2023, March 31, 2024 and March 31, 2025:
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Fiscal year ended March 31, 2023 |
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Net interest income/ (expense) (external) |
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Rs. |
474,489.5 |
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Rs. |
367,857.6 |
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Rs. |
71,641.4 |
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Rs. |
913,988.5 |
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Net interest income/ (expense) (internal) |
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168,806.2 |
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(116,903.5 |
) |
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(51,902.7 |
) |
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— |
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643,295.7 |
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250,954.1 |
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19,738.7 |
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913,988.5 |
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252,576.6 |
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42,286.9 |
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(3,477.0 |
) |
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291,386.5 |
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Less: Provision for credit losses |
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86,920.2 |
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(12,706.4 |
) |
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— |
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74,213.8 |
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808,952.1 |
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305,947.4 |
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16,261.7 |
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1,131,161.2 |
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Salaries and staff benefits |
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(189,302.4 |
) |
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(8,618.3 |
) |
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(1,806.1 |
) |
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(199,726.8 |
) |
Other than salaries and staff benefits expense |
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(243,387.5 |
) |
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(25,643.4 |
) |
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(21.7 |
) |
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(269,052.6 |
) |
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Total non-interest expense |
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(432,689.9 |
) |
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(34,261.7 |
) |
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(1,827.8 |
) |
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(468,779.4 |
) |
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Rs. |
376,262.2 |
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Rs. |
271,685.7 |
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Rs. |
14,433.9 |
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Rs. |
662,381.8 |
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Rs. |
166,117.4 |
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Net income before noncontrolling interest |
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Rs. |
496,264.4 |
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Rs. |
13,599,750.2 |
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Rs. |
9,274,409.1 |
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Rs. |
2,881,464.7 |
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Rs. |
25,755,624.0 |
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Fiscal year ended March 31, 2024 |
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Net interest income/(expense) (external) |
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Rs. |
624,203.3 |
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Rs. |
249,868.7 |
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Rs. |
265,306.7 |
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Rs. |
86,474.6 |
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Rs. |
22,150.1 |
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Rs. |
1,248,003.4 |
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Net interest income/(expense) (internal) |
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178,794.9 |
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65,798.9 |
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(244,593.8 |
) |
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— |
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— |
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— |
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802,998.2 |
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315,667.6 |
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20,712.9 |
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86,474.6 |
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22,150.1 |
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1,248,003.4 |
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276,151.7 |
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24,303.9 |
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11,784.3 |
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418,250.0 |
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8,441.0 |
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738,930.9 |
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Less: Provision for credit losses |
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118,900.0 |
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14,163.1 |
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— |
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— |
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— |
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133,063.1 |
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960,249.9 |
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325,808.4 |
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32,497.2 |
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504,724.6 |
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30,591.1 |
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1,853,871.2 |
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Salaries and staff benefits |
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(246,954.5 |
) |
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(23,096.5 |
) |
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(2,232.5 |
) |
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(6,105.9 |
) |
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(10,386.6 |
) |
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(288,776.0 |
) |
Other than salaries and staff benefits expense |
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(301,798.6 |
) |
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(61,638.6 |
) |
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(4,045.7 |
) |
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(105,692.1 |
) |
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(4,495.4 |
) |
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(477,670.4 |
) |
Claims and benefits paid pertaining to insurance business |
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— |
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— |
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— |
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(381,965.8 |
) |
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— |
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(381,965.8 |
) |
Total non-interest expense |
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(548,753.1 |
) |
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(84,735.1 |
) |
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(6,278.2 |
) |
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(493,763.8 |
) |
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(14,882.0 |
) |
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(1,148,412.2 |
) |
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Rs. |
411,496.8 |
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Rs. |
241,073.3 |
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Rs. |
26,219.0 |
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Rs. |
10,960.8 |
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Rs. |
15,709.1 |
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Rs. |
705,459.0 |
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Rs. |
77,827.1 |
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Net income before noncontrolling interest |
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Rs. |
627,631.9 |
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Rs. |
23,256,928.8 |
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Rs. |
13,133,744.0 |
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Rs. |
2,731,823.5 |
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Rs. |
4,387,398.1 |
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Rs. |
608,678.6 |
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Rs. |
44,118,573.0 |
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Fiscal year ended March 31, 2025 |
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Net interest income/(expense) (external) |
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Rs. |
956,355.0 |
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Rs. |
169,440.6 |
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Rs. |
144,728.0 |
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Rs. |
133,733.0 |
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Rs. |
229.0 |
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Rs. |
1,404,485.6 |
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US$ |
16,440.0 |
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Net interest income/(expense) (internal) |
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16,464.5 |
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116,723.3 |
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(133,187.8 |
) |
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— |
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— |
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— |
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— |
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Net interest revenue |
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972,819.5 |
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286,163.9 |
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11,540.2 |
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133,733.0 |
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229.0 |
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1,404,485.6 |
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16,440.0 |
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305,210.1 |
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52,654.6 |
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42,448.9 |
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521,983.0 |
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44,726.0 |
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967,022.6 |
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11,319.4 |
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Less: Provision for credit losses |
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190,309.5 |
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(8,929.4 |
) |
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— |
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— |
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— |
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181,380.1 |
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2,123.1 |
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Total revenue, net |
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1,087,720.1 |
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347,747.9 |
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53,989.1 |
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655,716.0 |
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44,955.0 |
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2,190,128.1 |
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|
25,636.3 |
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Salaries and staff benefits |
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(263,810.0 |
) |
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(11,863.1 |
) |
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(2,249.6 |
) |
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(8,544.0 |
) |
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(12,785.0 |
) |
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(299,251.7 |
) |
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(3,502.9 |
) |
Other than salaries and staff benefits expense |
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(330,405.2 |
) |
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(64,844.2 |
) |
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(386.5 |
) |
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(93,757.2 |
) |
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(7,070.0 |
) |
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(496,463.1 |
) |
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(5,811.4 |
) |
Claims and benefits paid pertaining to insurance business |
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— |
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— |
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— |
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(532,867.1 |
) |
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— |
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(532,867.1 |
) |
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(6,237.5 |
) |
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Total non-interest expense |
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(594,215.2 |
) |
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(76,707.3 |
) |
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(2,636.1 |
) |
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(635,168.3 |
) |
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(19,855.0 |
) |
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(1,328,581.9 |
) |
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(15,551.8 |
) |
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Income before income tax |
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493,504.9 |
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271,040.6 |
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51,353.0 |
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20,547.7 |
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25,100.0 |
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Rs. |
861,546.2 |
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10,084.5 |
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Income tax expense |
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Rs. |
175,014.9 |
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2,048.6 |
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Net income before noncontrolling interest |
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686,531.3 |
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8,035.9 |
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Segment assets: |
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Segment total assets |
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Rs. |
25,660,856.3 |
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Rs. |
13,784,529.5 |
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Rs. |
3,204,355.4 |
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Rs. |
4,917,053.5 |
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Rs. |
620,876.4 |
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Rs. |
48,187,671.1 |
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US$ |
564,060.3 |
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