Quarterly results
standalone · as filed with NSE · Q1 FY27 back to Q2 FY21
| ₹ 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,960 | 1,836 | 1,692 | 1,617 | 1,649 | 1,644 | 1,612 | 1,555 | 1,501 | 1,445 | 1,429 | 1,359 | 1,002 | 896 | 818 | 857 | 798 |
| Interest expended | 931 | 856 | 840 | 844 | 863 | 815 | 794 | 753 | 699 | 659 | 644 | 593 | 393 | 343 | 370 | 373 | 336 |
| Net interest income | 1,030 | 980 | 852 | 774 | 786 | 829 | 818 | 802 | 801 | 786 | 785 | 766 | 610 | 552 | 449 | 484 | 461 |
| Other income | 255 | 263 | 289 | 229 | 292 | 225 | 238 | 239 | 209 | 240 | 205 | 181 | 145 | 148 | 178 | 146 | 63.7 |
| Operating profit (pre-provision) | 405 | 402 | 307 | 241 | 315 | 311 | 333 | 350 | 340 | 375 | 360 | 330 | 242 | 284 | 250 | 275 | 220 |
| Provisions | 161 | 124 | 193 | 207 | 612 | 258 | 243 | 330 | 305 | 107 | 84.4 | 63.2 | 90.1 | 123 | 97 | 126 | 83.9 |
| Profit before tax | 244 | 278 | 114 | 33.5 | −297 | 53.3 | 89.7 | 20.1 | 35.8 | 268 | 276 | 267 | 152 | 161 | 153 | 149 | 136 |
| Net profit | 184 | 213 | 90 | 24.1 | −224 | 42.1 | 66.3 | 12.9 | 25.8 | 208 | 202 | 198 | 116 | 120 | 113 | 111 | 103 |
| EPS (₹) | 1.61 | 1.86 | 0.79 | 0.21 | -1.96 | 0.37 | 0.58 | 0.11 | 0.23 | 1.83 | 1.79 | 1.77 | 0.93 | 1.00 | 0.99 | 0.99 | 0.98 |
| Gross NPA | 2.4% | 2.6% | 2.8% | 2.9% | 2.9% | 2.9% | 0.0% | 0.0% | 0.0% | 0.0% | 2.5% | 0.0% | 3.9% | 4.2% | 3.7% | 2.3% | 2.5% |
| Net NPA | 0.7% | 0.7% | 0.9% | 1.0% | 1.0% | 1.0% | 0.0% | 0.0% | 0.0% | 0.0% | 1.1% | 0.0% | 2.0% | 2.5% | 1.6% | 0.7% | 1.0% |
| Net profit YoY | +182.1% | +405.1% | +35.8% | +87.3% | −968.7% | −79.7% | −67.2% | −93.5% | – | – | – | +70.2% | – | +5.9% | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY22 | FY21 |
|---|---|---|---|---|---|
| Interest earned | 6,794 | 6,312 | 5,486 | 3,460 | 3,194 |
| Interest expended | 3,403 | 3,060 | 2,407 | 1,421 | 1,396 |
| Net interest income | 3,391 | 3,252 | 3,080 | 2,039 | 1,798 |
| Other income | 1,074 | 911 | 799 | 538 | 418 |
| Operating profit (pre-provision) | 1,265 | 1,334 | 1,377 | 872 | 887 |
| Provisions | 1,137 | 1,135 | 314 | 494 | 375 |
| Profit before tax | 128 | 199 | 1,063 | 378 | 511 |
| Net profit | 103 | 147 | 799 | 281 | 384 |
| EPS (₹) | 0.90 | 1.29 | 7.12 | 2.43 | 3.53 |
| Gross NPA | 2.6% | 2.9% | 0.0% | 4.2% | 3.7% |
| Net NPA | 0.7% | 1.0% | 0.0% | 2.5% | 1.6% |
| Net profit YoY | −29.9% | −81.6% | – | −26.9% | – |
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 | −3,316 | 1,937 | 4,298 | 159 |
| Investing cash flow | −185 | −239 | −422 | −89.1 |
| Financing cash flow | 3,641 | 259 | −1,612 | −1,317 |
Net profit trend
annual, ₹ croreFY21
₹384
FY22
₹281−27%
FY24
₹799+185%
FY25
₹147−82%
FY26
₹103−30%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Standalone | 28 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 30 Apr 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 29 Jan 2026 | PDF XBRL |
| Q3 FY26 | Standalone | – | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 31 Oct 2025 | PDF XBRL |
| Q1 FY26 | Standalone | 8 Aug 2025 | PDF XBRL |
| Q4 FY25 | Standalone · audited | 30 Apr 2025 | PDF on NSE XBRL |
| Q3 FY25 | Standalone | 1 Feb 2025 | PDF on NSE XBRL |
| Q2 FY25 | Standalone | 8 Nov 2024 | PDF on NSE XBRL |
| Q1 FY25 | Standalone | 26 Jul 2024 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 37.7×15.0×
P/B5Y avg 1.36×1.25×
ROEFY26, on average equity1.7%
ROAon average assets0.18%
Revenue CAGR (3Y)25.2%
Profit CAGR (3Y)-28.4%
EPS (TTM)₹4.47
Market cap₹7,648 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
1.25×
vs 7-point avg 1.36× (−8%)
0.96× low1.36× avg1.87× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹60,610 Cr+15%
Advances₹42,751 Cr+18%
Deposits₹46,533 Cr+8%
Investments₹10,149 Cr+9%
Borrowings₹5,773 Cr+170%
Net worth₹6,125 Cr+1%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking84.1%result ₹−161 Cr
Treasury12.8%result ₹266 Cr
Other Banking operations1.6%result ₹125 Cr
Wholesale Banking1.5%result ₹−25.1 Cr
Segment revenue as reported, before inter-segment eliminations.