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Quarterly results

consolidated · as filed with NSE · Q1 FY27 back to Q4 FY18

₹ 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	Q1 FY24	Q4 FY23	Q3 FY23	Q1 FY23	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q1 FY20	Q4 FY19	Q4 FY18
Interest earned	52,241	49,594	48,364	48,181	49,080	48,387	47,037	46,326	44,582	42,607	40,865	38,938	37,106	34,439	31,619	26,159	24,999	24,314	23,478	23,097	22,300	22,214	22,226	22,423	21,741	21,623	20,366	19,504	16,153
Interest expended	23,064	22,047	21,874	22,017	23,090	23,047	22,633	22,225	21,122	20,424	19,409	17,908	16,368	14,479	12,978	11,089	10,634	10,372	10,093	10,074	9,955	10,412	10,945	11,347	11,025	11,297	11,009	10,352	8,830
Net interest income	29,177	27,547	26,490	26,164	25,990	25,340	24,404	24,100	23,460	22,183	21,456	21,030	20,738	19,959	18,641	15,070	14,366	13,942	13,385	13,024	12,345	11,802	11,282	11,076	10,716	10,326	9,357	9,152	7,324
Other income	27,448	35,020	28,418	27,966	25,496	31,361	27,589	26,617	22,688	24,575	18,615	18,354	14,978	19,484	16,241	13,060	17,835	15,552	16,006	15,721	21,268	18,205	17,063	15,493	18,348	16,714	13,426	17,258	17,590
Operating profit (pre-provision)	22,604	21,005	20,401	19,974	21,317	20,053	19,751	19,878	18,077	16,852	16,162	15,473	15,660	15,206	14,370	11,123	11,528	11,152	11,125	9,583	9,879	10,223	9,891	12,268	8,542	8,863	7,690	7,397	8,605
Provisions	1,297	261	2,647	909	1,822	940	1,268	1,382	1,316	698	1,020	649	1,345	1,722	2,434	1,131	1,103	2,129	2,774	2,939	2,923	2,700	3,050	7,705	6,598	2,131	3,559	5,740	7,005
Profit before tax	21,307	20,744	17,754	19,065	19,494	19,113	18,483	18,496	16,761	16,154	15,142	14,824	14,315	13,484	11,936	9,992	10,425	9,023	8,351	6,644	6,957	7,523	6,841	4,564	1,944	6,731	4,131	1,658	1,600
Net profit	16,210	15,612	13,411	14,256	14,394	14,323	13,829	13,861	12,406	11,973	11,255	11,015	10,763	9,985	8,936	7,487	7,910	6,767	6,316	4,942	5,277	5,984	5,394	3,563	1,580	5,080	2,836	1,505	1,454
EPS (₹)	21.54	20.62	17.54	18.71	19.02	19.11	18.26	18.39	16.64	16.63	15.77	15.57	15.22	14.12	12.61	10.62	11.11	9.42	8.79	6.86	7.07	7.97	7.30	4.82	1.93	7.22	3.90	1.82	1.78
Gross NPA	1.4%	1.4%	1.5%	1.6%	1.7%	1.7%	2.0%	2.0%	2.2%	2.2%	2.3%	2.5%	2.8%	2.8%	3.1%	3.5%	3.6%	4.2%	4.9%	5.3%	5.2%	4.7%	5.6%	5.9%	5.9%	6.2%	7.0%	7.1%	9.5%
Net NPA	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.4%	0.5%	0.5%	0.5%	0.5%	0.5%	0.5%	0.6%	0.8%	0.8%	0.9%	1.1%	1.3%	1.3%	0.7%	1.1%	1.4%	1.5%	1.6%	1.9%	2.2%	5.2%
Net profit YoY	+12.6%	+9.0%	−3.0%	+2.9%	+16.0%	+19.6%	+22.9%	+25.8%	+15.3%	+19.9%	+26.0%	–	+43.8%	+26.2%	+32.1%	+51.5%	+49.9%	+13.1%	+17.1%	+38.7%	+234.0%	+17.8%	–	+25.6%	+5.0%	–	–	+3.5%	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Interest earned	1,95,218	1,86,331	1,59,516	1,21,067	95,407	89,163	84,836	71,982	62,162
Interest expended	89,029	89,028	74,108	50,543	41,167	42,659	44,666	39,178	34,262
Net interest income	1,06,190	97,304	85,408	70,523	54,240	46,504	40,170	32,804	27,900
Other income	1,16,900	1,08,255	76,522	65,112	62,129	72,030	64,775	59,245	56,755
Operating profit (pre-provision)	82,696	77,759	64,147	53,196	43,218	42,261	33,427	27,790	28,900
Provisions	5,639	4,906	3,712	6,940	8,977	16,377	15,014	20,462	17,973
Profit before tax	77,057	72,854	60,434	46,256	34,241	25,884	18,413	7,328	10,927
Net profit	57,673	54,419	45,007	34,463	25,784	20,220	11,050	5,609	9,048
EPS (₹)	75.89	72.41	63.19	14.12	36.21	27.26	14.81	6.61	12.02
Gross NPA	1.4%	1.7%	2.2%	2.8%	3.6%	5.2%	5.9%	7.1%	9.5%
Net NPA	0.4%	0.4%	0.5%	0.5%	0.8%	1.3%	1.5%	2.2%	5.2%
Net profit YoY	+6.0%	+20.9%	+30.6%	+33.7%	+27.5%	+83.0%	+97.0%	−38.0%	–

EPS is as filed for each period and is not restated for later bonus issues or splits. Banks report NPA ratios in standalone results only.

Cash flow

annual · ₹ crore

₹ crore	FY26	FY25	FY24	FY23	FY22
Operating cash flow	67,325	1,22,805	1,57,284	−3,771	58,111
Investing cash flow	−13,014	−77,288	−1,45,931	−68,005	−39,321
Financing cash flow	−4,661	5,589	13,765	24,791	17,451

Net profit trend

annual, ₹ crore

FY21

₹20,220

FY22

₹25,784+28%

FY23

₹34,463+34%

FY24

₹45,007+31%

FY25

₹54,419+21%

FY26

₹57,673+6%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	18 Jul 2026	PDF XBRL
Q1 FY27	Standalone	18 Jul 2026	PDF XBRL
Q4 FY26	Consolidated · audited	18 Apr 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	18 Apr 2026	PDF on NSE XBRL
Q3 FY26	Consolidated	17 Jan 2026	PDF XBRL
Q3 FY26	Standalone	17 Jan 2026	PDF XBRL
Q2 FY26	Consolidated	18 Oct 2025	PDF XBRL
Q2 FY26	Standalone	18 Oct 2025	PDF XBRL
Q1 FY26	Consolidated	19 Jul 2025	PDF XBRL
Q1 FY26	Standalone	19 Jul 2025	PDF XBRL

Annual reports

NSE archive

FY2622.67 MB FY25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 17.5×16.9×

P/B5Y avg 2.84×2.50×

ROEFY26, on average equity15.3%

ROAon average assets2.08%

Revenue CAGR (3Y)17.3%

Profit CAGR (3Y)18.7%

EPS (TTM)₹78.33

Market cap₹9.5L Cr

Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.

P/B vs history

2.50×

vs 6-point avg 2.84× (−12%)

2.28× low2.84× avg3.25× high

History points are balance-sheet dates (2023 → 2026), priced at the adjusted close on each date.

Balance sheet 31 Mar 2026

Total assets₹29.14L Cr+10%

Advances₹16.45L Cr+16%

Deposits₹18.3L Cr+11%

Investments₹8.71L Cr−2%

Borrowings₹2.2L Cr+1%

Net worth₹3.8L Cr+15%

Change vs the same date a year earlier.

Revenue mix FY26

Retail Banking31.8%result ₹23,244 Cr

Treasury27.1%result ₹17,251 Cr

Wholesale Banking17.2%result ₹24,489 Cr

Life Insurance12.8%result ₹1,808 Cr

General Insurance5.7%result ₹3,659 Cr

Others3.9%result ₹8,378 Cr

Other Banking1.5%result ₹1,703 Cr

Segment revenue as reported, before inter-segment eliminations.

Shareholding 30 Jun 2026

%	Jun 26	Mar 26	Dec 25	Sept 25	Jun 25	Mar 25	Dec 24	Sept 24	Jun 24	Mar 24	Dec 23	Sept 23
FII	49.82	34.49	43.87	45.56	46.76	45.82	45.69	46.21	45.47	44.78	43.64	44.38
DII	42.31	39.95	46.73	45.06	43.90	44.78	44.95	44.17	44.70	45.34	46.24	45.51
of which MF	29.60	27.83	32.08	30.76	29.62	–	–	–	–	–	–	–
Retail	6.03	5.87	7.25	7.19	7.09	7.16	7.14	7.16	7.40	7.45	7.64	7.68
Other public	1.84	19.69	2.15	2.19	2.25	2.24	2.22	2.46	2.43	2.43	2.48	2.43

21,04,810 shareholders · NSE shareholding pattern filings.