Quarterly results
standalone · as filed with NSE · Q1 FY27 back to Q1 FY19
| ₹ crore | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q2 FY23 | Q4 FY22 | Q4 FY21 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 | Q4 FY19 | Q3 FY19 | Q1 FY19 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,984 | 1,907 | 1,861 | 1,823 | 1,814 | 1,742 | 1,671 | 1,568 | 1,489 | 1,445 | 1,374 | 1,306 | 1,000 | 920 | 837 | 869 | 878 | 873 | 902 | 898 | 879 | 858 | 827 | 777 | 701 |
| Interest expended | 1,300 | 1,252 | 1,236 | 1,227 | 1,233 | 1,184 | 1,128 | 1,059 | 993 | 937 | 900 | 830 | 589 | 539 | 526 | 535 | 545 | 566 | 578 | 575 | 566 | 553 | 526 | 484 | 428 |
| Net interest income | 684 | 655 | 625 | 596 | 580 | 558 | 543 | 509 | 497 | 507 | 474 | 476 | 411 | 380 | 311 | 335 | 334 | 307 | 324 | 323 | 313 | 305 | 301 | 294 | 273 |
| Other income | 196 | 212 | 221 | 186 | 236 | 219 | 184 | 205 | 143 | 136 | 124 | 107 | 99.2 | 115 | 134 | 155 | 92.5 | 77.6 | 110 | 93.1 | 101 | 86.8 | 99.4 | 94.5 | 82.8 |
| Operating profit (pre-provision) | 344 | 342 | 323 | 304 | 327 | 305 | 271 | 255 | 205 | 234 | 212 | 211 | 183 | 221 | 205 | 277 | 225 | 191 | 212 | 190 | 185 | 167 | 185 | 174 | 141 |
| Provisions | 57.1 | 69 | 74.1 | 60.5 | 115 | 67.2 | 67.2 | 45.6 | 28.4 | 24.1 | 41 | 39.7 | 31 | 67.6 | 101 | 148 | 113 | 83.7 | 118 | 59 | 43.3 | 40.6 | 34.8 | 40.1 | 33.2 |
| Profit before tax | 287 | 273 | 249 | 243 | 212 | 238 | 204 | 210 | 177 | 210 | 171 | 171 | 152 | 153 | 104 | 130 | 112 | 107 | 93.8 | 131 | 141 | 126 | 151 | 134 | 108 |
| Net profit | 213 | 206 | 185 | 184 | 157 | 177 | 151 | 155 | 131 | 156 | 127 | 127 | 112 | 113 | 77.9 | 96.2 | 82.3 | 79.4 | 68.8 | 96.7 | 91.4 | 81.1 | 96.3 | 86.1 | 69.5 |
| EPS (₹) | 6.62 | 6.39 | 5.76 | 5.84 | 5.00 | 5.64 | 4.83 | 4.96 | 4.20 | 4.98 | 4.06 | 4.07 | 3.61 | 3.65 | 2.51 | 3.10 | 2.65 | 2.56 | 2.22 | 3.12 | 2.95 | 2.62 | 3.11 | 2.78 | 2.26 |
| Gross NPA | 2.4% | 2.5% | 2.7% | 2.9% | 3.0% | 3.0% | 3.1% | 3.3% | 3.3% | 3.2% | 3.4% | 3.4% | 3.9% | 4.3% | 4.1% | 2.0% | 2.3% | 2.4% | 2.5% | 2.1% | 2.1% | 2.0% | 1.8% | 1.9% | 1.9% |
| Net NPA | 0.8% | 0.9% | 1.1% | 1.2% | 1.2% | 1.1% | 1.2% | 1.2% | 1.2% | 1.1% | 1.2% | 1.3% | 1.5% | 2.0% | 2.3% | 0.6% | 0.8% | 1.0% | 1.2% | 1.0% | 1.0% | 0.8% | 0.7% | 0.7% | 0.7% |
| Net profit YoY | +35.6% | +16.1% | +22.0% | +18.3% | +19.7% | +13.7% | +19.6% | +22.6% | – | – | – | +12.9% | – | +45.6% | +13.3% | −0.5% | −10.0% | −2.1% | −28.6% | +12.3% | – | +16.6% | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Interest earned | 7,404 | 6,471 | 5,362 | 3,513 | 3,458 | 3,537 | 3,041 |
| Interest expended | 4,948 | 4,364 | 3,434 | 2,155 | 2,172 | 2,272 | 1,892 |
| Net interest income | 2,457 | 2,107 | 1,928 | 1,358 | 1,287 | 1,265 | 1,149 |
| Other income | 855 | 751 | 474 | 452 | 459 | 391 | 350 |
| Operating profit (pre-provision) | 1,296 | 1,037 | 864 | 797 | 898 | 753 | 647 |
| Provisions | 319 | 208 | 142 | 407 | 446 | 261 | 140 |
| Profit before tax | 977 | 829 | 722 | 390 | 453 | 492 | 507 |
| Net profit | 732 | 615 | 536 | 288 | 336 | 338 | 325 |
| EPS (₹) | 23.01 | 19.63 | 17.18 | 9.26 | 10.82 | 10.90 | 10.53 |
| Gross NPA | 2.5% | 3.0% | 3.2% | 4.3% | 4.1% | 2.5% | 1.8% |
| Net NPA | 0.9% | 1.1% | 1.1% | 2.0% | 2.3% | 1.2% | 0.7% |
| Net profit YoY | +18.9% | +14.8% | – | −14.4% | −0.6% | +3.9% | – |
EPS is as filed for each period and is not restated for later bonus issues or splits.
Cash flow
annual · ₹ crore| ₹ crore | FY26 | FY25 | FY24 | FY22 |
|---|---|---|---|---|
| Operating cash flow | 4,588 | −3,098 | −1,240 | 1,606 |
| Investing cash flow | −88.7 | −135 | −133 | −157 |
| Financing cash flow | −2,977 | 2,865 | 2,070 | −398 |
Net profit trend
annual, ₹ croreFY20
₹338
FY21
₹336−1%
FY22
₹288−14%
FY24
₹536+86%
FY25
₹615+15%
FY26
₹732+19%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Standalone | 24 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 24 Apr 2026 | PDF XBRL |
| Q4 FY26 | Standalone · audited | – | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 23 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 22 Oct 2025 | PDF XBRL |
| Q1 FY26 | Standalone | 31 Jul 2025 | PDF XBRL |
| Q4 FY25 | Standalone · audited | – | PDF on NSE XBRL |
| Q4 FY25 | Standalone · audited | 25 Apr 2025 | PDF XBRL |
| Q3 FY25 | Standalone | 24 Jan 2025 | PDF on NSE XBRL |
| Q2 FY25 | Standalone | 24 Oct 2024 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 6.7×8.8×
P/B5Y avg 0.74×1.05×
ROEFY26, on average equity12.0%
ROAon average assets0.89%
Revenue CAGR (3Y)28.2%
Profit CAGR (3Y)36.5%
EPS (TTM)₹24.46
Market cap₹6,892 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
1.05×
vs 7-point avg 0.74× (+42%)
0.63× low0.74× avg1.05× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹88,069 Cr+15%
Advances₹60,022 Cr+18%
Deposits₹72,583 Cr+21%
Investments₹20,378 Cr+1%
Borrowings₹6,086 Cr−33%
Net worth₹6,535 Cr+15%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking70.9%result ₹514 Cr
Treasury Operations21.2%result ₹223 Cr
Corporate / Wholesale Banking5.7%result ₹67.8 Cr
Other Banking Operations2.2%result ₹199 Cr
Segment revenue as reported, before inter-segment eliminations.