Accrued expenses and other liabilities

12 Months Ended

Mar. 31, 2026

19. Accrued expenses and other liabilities

Accrued expenses and other liabilities include the amo

ts set forth below:


	As of March 31,
	2025		2026		2026
	(In millions)
Bills payable	Rs.	136,539.1		Rs. 145,738.7	US$	1,553.2
Remittances in transit		50,274.9		78,896.2		840.8
Accrued expenses		101,945.2		113,837.1		1,213.2
Accounts payable		318,528.7		385,225.2		4,105.6
Derivatives (refer to note 26)		143,566.1		578,276.3		6,162.9
Deferred tax liability (net)		324,633.5		244,839.5		2,609.4
Lease liability		153,929.8		174,558.0		1,860.4
Others		228,531.3		199,592.7		2,127.2

Total	Rs.	1,457,948.6		Rs. 1,920,963.7	US$	20,472.7

The Bank amortizes annual fees on credit cards over the contractual period of the fees. The unamortized annual fees as of March 31, 2025 and March 31, 2026 were Rs. 1,845.2 million and Rs. 2,193.7

million (US$ 23.4 m

illio

n), respectively.