| Schedule of Segment Reporting Information, by Segment |
Summarized segment information for the fiscal years ended March 31, 2024, March 31, 2025 and March 31, 2026:
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Fiscal year ended March 31, 2024 |
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| Net interest income/(expense) (external) |
|
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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| Net interest revenue |
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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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| Total revenue, net |
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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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| Income before income tax |
|
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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| Less: Income tax expense |
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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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| Segment assets: |
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| Segment total assets |
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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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| 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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| 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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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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| 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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| 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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| 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 |
) |
| 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 |
) |
| 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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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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| Income before income tax |
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Rs. |
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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| Less: Income tax expense |
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|
Rs. |
175,014.9 |
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| Net income before noncontrolling interest |
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|
Rs. |
686,531.3 |
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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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Fiscal year ended March 31, 2026 |
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| |
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| Net interest income/(expense) (external) |
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|
Rs. 929,003.1 |
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|
Rs. 267,310.9 |
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|
Rs. 142,885.1 |
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Rs. 159,995.4 |
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|
Rs. 575.0 |
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|
Rs. 1,499,769.5 |
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US$ |
15,983.8 |
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| Net interest income/(expense) (internal) |
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|
158,428.8 |
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|
(50,901.0 |
) |
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(107,527.8 |
) |
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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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1,087,431.9 |
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|
216,409.9 |
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|
35,357.3 |
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|
159,995.4 |
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|
575.0 |
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1,499,769.5 |
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|
15,983.8 |
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327,888.0 |
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57,346.6 |
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27,876.4 |
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532,571.0 |
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|
50,166.0 |
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|
995,848.0 |
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|
10,613.3 |
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| Less: Provision for credit losses |
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|
178,818.2 |
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(10,546.0 |
) |
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— |
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— |
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— |
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168,272.2 |
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|
1,793.4 |
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| Total revenue, net |
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1,236,501.7 |
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|
284,302.5 |
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|
63,233.7 |
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|
692,566.4 |
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50,741.0 |
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2,327,345.3 |
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|
24,803.7 |
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| Salaries and staff benefits |
|
|
(279,981.4 |
) |
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|
(11,832.8 |
) |
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(2,746.5 |
) |
|
|
(10,171.0 |
) |
|
|
(13,863.0 |
) |
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(318,594.7 |
) |
|
|
(3,395.4 |
) |
| Other than salaries and staff benefits expense |
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(369,271.4 |
) |
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(49,347.6 |
) |
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(912.6 |
) |
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(72,639.4 |
) |
|
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(7,602.0 |
) |
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(499,773.0 |
) |
|
|
(5,326.4 |
) |
| Claims and benefits paid pertaining to insurance business |
|
|
— |
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|
|
— |
|
|
|
— |
|
|
|
(569,949.7 |
) |
|
|
— |
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|
|
(569,949.7 |
) |
|
|
(6,074.3 |
) |
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|
|
Total non-interest expense |
|
|
(649,252.8 |
) |
|
|
(61,180.4 |
) |
|
|
(3,659.1 |
) |
|
|
(652,760.1 |
) |
|
|
(21,465.0 |
) |
|
|
(1,388,317.4 |
) |
|
|
(14,796.1 |
) |
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|
|
|
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|
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| Income before income tax |
|
|
587,248.9 |
|
|
|
223,122.1 |
|
|
|
59,574.6 |
|
|
|
39,806.3 |
|
|
|
29,276.0 |
|
|
|
Rs. 939,027.9 |
|
|
|
10,007.6 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Less: Income tax expense |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Rs. 211,931.5 |
|
|
|
2,258.7 |
|
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|
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|
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| Net income before noncontrolling interest |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
727,096.4 |
|
|
|
7,748.9 |
|
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|
|
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|
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|
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|
|
|
| Segment assets: |
|
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|
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| Segment total assets |
|
|
Rs.27,153,852.1 |
|
|
|
Rs.15,411,233.5 |
|
|
|
Rs.4,218,859.4 |
|
|
|
Rs.5,202,353.0 |
|
|
|
Rs.634,895.2 |
|
|
|
Rs.52,621,193.2 |
|
|
US$ |
560,814.2 |
|
|