| (Rs. in Million) |
| Particulars | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
| INCOME : | | | | | |
| Operating Income | 70729.70 | 61509.80 | 62339.20 | 60476.70 | 54367.20 |
| Sale of Shares / Units | | | | | |
| Interest income | 66811.40 | 58969.00 | 59750.90 | 59342.80 | 53216.20 |
| Portfolio management services | | | | | |
| Dividend income | 18.50 | 19.00 | 17.10 | 16.70 | 14.50 |
| Brokerages & commissions | 341.50 | 307.60 | 78.40 | | 21.20 |
| Processing fees and other charges | 984.90 | 187.90 | 57.40 | 113.20 | |
| Other Operating Income | 2573.40 | 2026.20 | 2435.50 | 1004.00 | 1115.30 |
| Operating Income (Net) | 70729.70 | 61509.80 | 62339.20 | 60476.70 | 54367.20 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 10576.00 | 8301.30 | 9113.70 | 8968.30 | 7488.70 |
| Salaries, Wages & Bonus | 8737.90 | 7386.40 | 8339.30 | 8206.60 | 6871.20 |
| Contributions to EPF & Pension Funds | 584.30 | 504.10 | 557.00 | 596.30 | 436.90 |
| Workmen and Staff Welfare Expenses | 185.10 | 135.40 | 145.80 | 120.00 | 110.10 |
| Other Employees Cost | 1068.70 | 275.30 | 71.70 | 45.40 | 70.50 |
| Operating & Establishment Expenses | 2453.50 | 2199.30 | 2511.20 | 3321.50 | 2882.80 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | |
| Commission, Brokerage & Discounts | 1212.80 | 1125.20 | 1351.00 | 1579.80 | 1303.60 |
| Rent , Rates & Taxes | 198.40 | 155.50 | 199.30 | 810.70 | 756.40 |
| Repairs and Maintenance | 130.10 | 114.80 | 124.30 | 141.80 | 124.70 |
| Insurance | 50.30 | 45.70 | 41.90 | 41.00 | 40.10 |
| Electricity & Power | 94.60 | 86.50 | 117.30 | 104.50 | 99.60 |
| Other Operating Expenses | 767.40 | 671.60 | 677.50 | 643.70 | 558.40 |
| Administrations & Other Expenses | 3380.00 | 2822.40 | 3197.50 | 2952.60 | 3492.00 |
| Printing and stationery | 242.40 | 176.60 | 288.50 | 241.80 | 243.50 |
| Professional and legal fees | 1599.30 | 1514.80 | 1483.30 | 1389.10 | 1442.10 |
| Advertisement & Sales Promotion | 661.40 | 497.10 | 519.40 | 408.00 | 796.00 |
| Other General Expenses | 876.90 | 633.90 | 906.20 | 913.70 | 1010.50 |
| Provisions and Contingencies | 9540.30 | 9062.50 | 9407.30 | 8226.20 | 10797.20 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 8558.40 | 8506.90 | 7738.40 | 6519.80 | 6394.60 |
| Provision for doubtful debts | 1.50 | 0.60 | | | |
| Losson disposal of fixed assets(net) | 0.50 | 6.60 | 4.50 | 9.10 | 3.80 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | 97.90 |
| Other Miscellaneous Expenses | 979.90 | 548.40 | 1664.40 | 1697.30 | 4301.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 25949.90 | 22385.40 | 24229.70 | 23468.70 | 24660.80 |
| Operating Profit (Excl OI) | 44779.80 | 39124.40 | 38109.60 | 37008.00 | 29706.40 |
| Other Income | 69.70 | 109.10 | 60.70 | 29.10 | 22.50 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | | 1.80 | 1.00 |
| Income from investments | | | | | |
| Provision Written Back | 24.50 | 0.00 | 0.30 | | |
| Others | 45.20 | 109.10 | 60.50 | 27.30 | 21.50 |
| Operating Profit | 44849.50 | 39233.50 | 38170.30 | 37037.10 | 29728.90 |
| Interest | 28301.30 | 23582.20 | 23209.60 | 21247.90 | 17912.10 |
| Loans | 15108.20 | 13091.00 | 13902.40 | 10025.20 | 8585.90 |
| Deposits | 5443.90 | 4263.10 | 3149.10 | 2646.20 | 3102.90 |
| Bonds / Debentures | 5587.10 | 4023.10 | 4640.80 | 4618.20 | 3619.40 |
| Other Interest | 2162.10 | 2204.90 | 1517.30 | 3958.30 | 2603.90 |
| Depreciation | 862.30 | 871.20 | 895.80 | 335.30 | 351.90 |
| Profit Before Taxation & Exceptional Items | 15686.00 | 14780.10 | 14064.80 | 15453.90 | 11464.80 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 15686.00 | 14780.10 | 14064.80 | 15453.90 | 11464.80 |
| Provision for Tax | 4038.50 | 4003.00 | 3732.70 | 5398.60 | 3971.80 |
| Current Income Tax | 4106.80 | 4715.60 | 3566.10 | 4954.40 | 3964.00 |
| Deferred Tax | -116.00 | -693.60 | 34.00 | 444.20 | 7.80 |
| Other taxes | 47.70 | -19.00 | 132.60 | 0.00 | 0.00 |
| Profit After Tax | 11647.50 | 10777.20 | 10332.10 | 10055.30 | 7493.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | -129.80 | -141.90 | -105.80 | -37.90 | -87.30 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 11517.70 | 10635.20 | 10226.30 | 10017.40 | 7405.70 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 37111.10 | 30966.70 | 25858.90 | 20332.20 | 16441.50 |
| Appropriations | 48628.80 | 41601.90 | 36085.20 | 30349.60 | 23847.20 |
| General Reserve | 1088.00 | 1025.00 | 1001.00 | 999.00 | 664.80 |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | 81.40 | 81.40 | 80.60 |
| Other Appropriation | 47540.80 | 40576.90 | 35002.80 | 29269.20 | 23101.80 |
| Equity Dividend % | 370.00 | 330.00 | 60.00 | 220.00 | 180.00 |
| Earnings Per Share | 173.00 | 161.00 | 155.00 | 152.00 | 112.00 |
| Adjusted EPS | 173.00 | 161.00 | 155.00 | 152.00 | 112.00 |