v3.26.1
Loans, borrowings and bank overdrafts
12 Months Ended
Mar. 31, 2026
Text Blocks Abstract  
Loans, borrowings and bank overdrafts

14. Loans, borrowings and bank overdrafts

 

 

 

 

 

 

 

 

 

 

 

As at March 31,

 

 

 

 

 

 

 

 

 

 

 

2025

 

 

2026

 

Non-current

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unsecured Notes 2026 (1)

 

 

 

 

 

 

 

 

 

63,954

 

 

-

 

Loans from institutions other than banks

 

 

 

 

 

 

 

 

 

 

-

 

 

 

1,962

 

 

 

 

 

 

 

 

 

 

 

63,954

 

 

1,962

 

Current

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unsecured Notes 2026 (1)

 

 

 

 

 

 

 

 

 

-

 

 

71,052

 

Borrowings from banks

 

 

 

 

 

 

 

 

 

 

97,863

 

 

 

94,860

 

Bank overdrafts

 

 

 

 

 

 

 

 

 

^

 

 

 

-

 

 

 

 

 

 

 

 

 

 

 

97,863

 

 

165,912

 

 

 

 

 

 

 

 

 

 

161,817

 

 

167,874

 

 

^ Value is less than 0.5

(1)
On June 23, 2021, Wipro IT Services LLC, a wholly owned step-down subsidiary of the Company, issued U.S.$ 750 million in unsecured notes 2026 (the “Notes”). The Notes bear interest at a rate of 1.50% per annum and will mature on June 23, 2026. Interest on the Notes is payable semi-annually on June 23 and December 23 of each year, commencing from December 23, 2021. The Notes are listed on Singapore Exchange Securities Trading Limited (SGX-ST).

Short-term loans, borrowings and bank overdrafts

The Company had loans, borrowings and bank overdrafts amounting to ₹ 97,863 and ₹ 94,860, as at March 31, 2025 and 2026, respectively. The principal source of borrowings from banks as at March 31, 2026 primarily consists of lines of credit of approximately ₹ 89,024, U.S. Dollar (“U.S.$”) 432 million, Saudi Riyal (“SAR”) 120 million, Pound Sterling (“GBP”) 7 million, Bahraini Dinar (“BHD”) 1 million, Thai Baht (“THB”) 5 million, Brazilian Real (“BRL”) 8 million, Indonesian Rupiah (“IDR”) 13,000 million, Qatari Riyal (“QAR”) 10 million, Mexican Peso (“MXN”) 35 million, Canadian Dollar (“CAD”) 14 million, Bangladeshi Taka (“BDT”) 175 million and Japanese Yen (“JPY”) 300 million from bankers for working capital requirements and other short-term needs.

 

As at March 31, 2026, the Company has unutilized lines of credit aggregating ₹ 27,524, U.S.$ 92 million, SAR 75 million, GBP 7 million, BHD 1 million, THB 5 million, BRL 8 million, IDR 13,000 million, QAR 10 million and MXN 35 million, CAD 14 million, BDT 175 million and JPY 300 million. To utilize these unused lines of credit, the Company requires consent of the lender and compliance with certain financial covenants. Significant portion of these lines of credit are revolving credit facilities and floating rate foreign currency loans, renewable on a periodic basis.

 

Significant portion of these facilities bear floating rates of interest, referenced to country specific official benchmark interest rates and a spread, determined based on market conditions.

 

Long-term loans and borrowings

 

 

 

 

 

As at March 31, 2025

 

 

As at March 31, 2026

 

 

 

 

Foreign currency in millions

 

 

Indian Rupee

 

 

Foreign currency in millions

 

Indian Rupee

 

 

Final maturity

Unsecured Notes 2026

 

 

 

U.S.$ 748

 

 

63,954

 

 

U.S.$ 749

 

71,052

 

 

June-26

Loans from institutions other than banks

 

 

 

 

-

 

 

 

-

 

 

U.S.$ 21

 

 

1,962

 

 

June-27

 

 

 

 

 

 

63,954

 

 

 

 

73,014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-current portion of long-term loans and borrowings

 

 

 

 

 

 

63,954

 

 

 

 

1,962

 

 

 

Current portion of long-term loans and borrowings

 

 

 

 

 

 

 

-

 

 

 

 

 

71,052

 

 

 

 

Refer to Note 26 for interest expense on loans, borrowings and bank overdrafts.

Cash and non-cash changes in liabilities arising from financing activities:

 

 

 

 

 

 

 

 

 

Non-cash changes

 

 

 

 

 

 

April 1, 2024

 

 

Cash flow

 

 

Net additions to Lease Liabilities/additions due to acquisitions

 

 

Effective interest rate adjustment

 

 

Foreign exchange movements

 

 

March 31, 2025

 

Borrowings

 

141,464

 

 

17,923

 

 

-

 

 

114

 

 

2,316

 

 

161,817

 

Lease Liabilities

 

 

23,183

 

 

 

(10,474

)

 

 

17,270

 

 

 

-

 

 

 

239

 

 

 

30,218

 

 

 

164,647

 

 

7,449

 

 

17,270

 

 

114

 

 

2,555

 

 

192,035

 

 

 

 

 

 

 

 

 

 

Non-cash changes

 

 

 

 

 

 

April 1, 2025

 

 

Cash flow

 

 

Net additions to Lease Liabilities/additions due to acquisitions

 

 

Effective interest rate adjustment

 

 

Foreign exchange movements

 

 

March 31, 2026

 

Borrowings

 

161,817

 

 

(6,752

)

 

1,852

 

 

119

 

 

10,838

 

 

167,874

 

Lease Liabilities

 

 

30,218

 

 

 

(11,561

)

 

 

13,430

 

 

 

-

 

 

 

2,949

 

 

 

35,036

 

 

 

192,035

 

 

(18,313

)

 

15,282

 

 

119

 

 

13,787

 

 

202,910

 

 

Non-fund based

 

The Company has non-fund based revolving credit facilities in various currencies equivalent to ₹ 49,634 and ₹ 49,747, as at March 31, 2025 and 2026, respectively, towards operational requirements that can be used for the issuance of letters of credit and bank guarantees. As at March 31, 2025, and 2026, an amount of ₹ 36,524, and 36,389, respectively, was unutilized out of these non-fund based facilities.