v3.26.1
Loans - Allowance for Credit Losses (Detail)
₨ in Millions, $ in Millions
 12 Months Ended
Mar. 31, 2026
INR (₨)
Mar. 31, 2026
USD ($)
Mar. 31, 2025
INR (₨)
Mar. 31, 2024
INR (₨)
Mar. 31, 2026
USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period ₨ 535,829.3 $ 5,710.7 ₨ 457,346.5 ₨ 365,164.5  
Allowance for credit losses on PCD Loans at acquisition 0.0 0.0 0.0 39,415.2  
Write-offs (157,489.4) (1,678.5) (149,389.6) (128,987.2)  
Net allowance for credit losses 215,969.0 [1] 2,301.7 [1] 227,872.4 [2] 181,754.0 [3]  
Allowance for credit losses, end of the period 594,308.9 $ 6,333.9 535,829.3 457,346.5  
Allowance for credit losses:          
Allowance individually evaluated for impairment 51,387.7   61,894.0 71,735.4 $ 547.7
Allowance collectively evaluated for impairment 542,921.2   473,935.3 385,611.1 5,786.2
Loans:          
Loans individually evaluated for impairment 61,684.2   94,500.6 110,714.5 657.4
Loans collectively evaluated for impairment 31,526,511.2   28,544,310.5 26,682,332.9 $ 335,996.1
Auto loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 37,447.6   29,948.9 33,835.5  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 0.0  
Write-offs (11,024.3)   (9,586.7) (8,648.1)  
Net allowance for credit losses 14,590.0 [1]   17,085.4 [2] 4,761.5 [3]  
Allowance for credit losses, end of the period 41,013.3   37,447.6 29,948.9  
Allowance for credit losses:          
Allowance individually evaluated for impairment 0.9   3.0 8.0  
Allowance collectively evaluated for impairment 41,012.4   37,444.6 29,940.9  
Loans:          
Loans individually evaluated for impairment 0.9   3.5 8.0  
Loans collectively evaluated for impairment 1,685,704.4   1,550,903.9 1,378,515.1  
Personal loans/Credit card          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 135,769.7   116,999.6 99,634.4  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 0.0  
Write-offs (96,751.1)   (95,746.2) (74,794.1)  
Net allowance for credit losses 124,480.0 [1]   114,516.3 [2] 92,159.3 [3]  
Allowance for credit losses, end of the period 163,498.6   135,769.7 116,999.6  
Allowance for credit losses:          
Allowance individually evaluated for impairment 1.1   0.0 1.0  
Allowance collectively evaluated for impairment 163,497.5   135,769.7 116,998.6  
Loans:          
Loans individually evaluated for impairment 2.6   0.0 1.0  
Loans collectively evaluated for impairment 3,625,815.6   3,426,193.3 3,119,245.7  
Retail business banking          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 97,669.1   75,300.5 63,974.8  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 0.0  
Write-offs (2,201.0)   (2,061.0) (1,630.1)  
Net allowance for credit losses 24,080.6 [1]   24,429.6 [2] 12,955.8 [3]  
Allowance for credit losses, end of the period 119,548.7   97,669.1 75,300.5  
Allowance for credit losses:          
Allowance individually evaluated for impairment 432.0   2,691.1 2,498.3  
Allowance collectively evaluated for impairment 119,116.7   94,978.0 72,802.2  
Loans:          
Loans individually evaluated for impairment 432.0   3,087.8 2,924.9  
Loans collectively evaluated for impairment 5,936,652.5   4,964,602.2 4,204,911.3  
Commercial vehicle and construction equipment finance          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 38,049.2   32,096.1 31,130.6  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 0.0  
Write-offs (18,054.0)   (14,270.3) (9,796.1)  
Net allowance for credit losses 20,121.7 [1]   20,223.4 [2] 10,761.6 [3]  
Allowance for credit losses, end of the period 40,116.9   38,049.2 32,096.1  
Allowance for credit losses:          
Allowance individually evaluated for impairment 131.6   281.1 184.4  
Allowance collectively evaluated for impairment 39,985.3   37,768.1 31,911.7  
Loans:          
Loans individually evaluated for impairment 131.9   426.5 184.4  
Loans collectively evaluated for impairment 2,054,633.5   1,861,767.1 1,619,418.5  
Housing loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 15,520.9   9,906.8 3,269.9  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 2,927.9  
Write-offs (5,811.3)   (3,676.7) (12,013.2)  
Net allowance for credit losses 11,078.3 [1]   9,290.8 [2] 15,722.2 [3]  
Allowance for credit losses, end of the period 20,787.9   15,520.9 9,906.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 6.8   0.6 0.0  
Allowance collectively evaluated for impairment 20,781.1   15,520.3 9,906.8  
Loans:          
Loans individually evaluated for impairment 19.1   1.9 0.0  
Loans collectively evaluated for impairment 7,464,980.3   7,141,177.1 6,993,168.0  
Other retail          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 111,682.5   80,453.8 72,012.4  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 0.0  
Write-offs (23,499.9)   (19,849.5) (18,530.4)  
Net allowance for credit losses 29,175.1 [1]   51,078.2 [2] 26,971.8 [3]  
Allowance for credit losses, end of the period 117,357.7   111,682.5 80,453.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 124.3   532.7 156.8  
Allowance collectively evaluated for impairment 117,233.4   111,149.8 80,297.0  
Loans:          
Loans individually evaluated for impairment 124.2   533.4 156.8  
Loans collectively evaluated for impairment 2,812,946.2   2,582,868.7 2,271,874.4  
Wholesale loans          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Allowance for credit losses, beginning of the period 99,690.3   112,640.8 61,306.9  
Allowance for credit losses on PCD Loans at acquisition 0.0   0.0 36,487.3  
Write-offs (147.8)   (4,199.2) (3,575.2)  
Net allowance for credit losses (7,556.7) [1]   (8,751.3) [2] 18,421.8 [3]  
Allowance for credit losses, end of the period 91,985.8   99,690.3 112,640.8  
Allowance for credit losses:          
Allowance individually evaluated for impairment 50,691.0   58,385.5 68,886.9  
Allowance collectively evaluated for impairment 41,294.8   41,304.8 43,753.9  
Loans:          
Loans individually evaluated for impairment 60,973.5   90,447.5 107,439.4  
Loans collectively evaluated for impairment ₨ 7,945,778.7   ₨ 7,016,798.2 ₨ 7,095,199.9  
[1] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 47,696.8 million (US$ 508.3 million). Recoveries from retail loans is Rs. 44,707.4 million (US$ 476.5 million) and from wholesale loans is Rs. 2,989.4 million, (US$ 31.8 million).
[2] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 46,492.3 million (US$ 544.3 million). Recoveries from retail loans is Rs. 46,314.2 million and from wholesale loans is Rs. 178.1 million.
[3] Net allowances for credit losses charged to expense does not include the recoveries against write-off cases amounting to Rs. 48,690.9 million. Recoveries from retail loans is Rs. 44,432.2 million and from wholesale loans is Rs. 4,258.7 million.