Quarterly results
consolidated · 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 | Q1 FY23 | Q4 FY22 | Q4 FY21 | Q3 FY21 | Q2 FY21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 2,383 | 2,257 | 2,220 | 2,179 | 2,261 | 2,258 | 2,243 | 2,234 | 2,278 | 2,201 | 2,113 | 2,027 | 1,771 | 1,629 | 1,579 | 1,417 | 1,596 | 1,604 |
| Interest expended | 1,444 | 1,414 | 1,428 | 1,451 | 1,506 | 1,478 | 1,450 | 1,401 | 1,375 | 1,367 | 1,285 | 1,204 | 968 | 942 | 922 | 958 | 981 | 1,029 |
| Net interest income | 938 | 843 | 792 | 728 | 756 | 781 | 793 | 834 | 903 | 834 | 828 | 822 | 803 | 688 | 657 | 459 | 614 | 575 |
| Other income | 355 | 399 | 302 | 343 | 358 | 422 | 299 | 270 | 279 | 419 | 326 | 250 | 260 | 133 | 257 | 373 | 273 | 330 |
| Operating profit (pre-provision) | 581 | 615 | 452 | 440 | 467 | 375 | 433 | 461 | 559 | 500 | 540 | 522 | 578 | 413 | 380 | 384 | 438 | 500 |
| Provisions | 28.7 | 90.4 | 94.9 | 20.1 | 111 | 31.1 | 83.8 | 31.3 | 40.3 | 185 | 144 | 120 | −13.8 | 363 | 95.9 | 342 | 214 | 322 |
| Profit before tax | 552 | 525 | 357 | 420 | 357 | 344 | 349 | 429 | 518 | 315 | 396 | 402 | 592 | 49.8 | 284 | 41.9 | 224 | 178 |
| Net profit | 419 | 408 | 291 | 319 | 293 | 253 | 284 | 336 | 400 | 274 | 331 | 330 | 411 | 114 | 130 | 31.4 | 135 | 119 |
| EPS (₹) | 11.08 | 10.80 | 7.69 | 8.44 | 7.74 | 6.68 | 7.51 | 8.90 | 10.61 | 7.88 | 9.79 | 10.56 | 13.22 | 3.66 | 4.19 | 1.01 | 4.35 | 3.84 |
| Gross NPA | 2.6% | 2.8% | 3.3% | 3.3% | 3.5% | 3.1% | 3.1% | 3.2% | 3.5% | 3.5% | 3.6% | 3.5% | 3.4% | 4.0% | 3.9% | 4.9% | 3.2% | 4.0% |
| Net NPA | 0.9% | 1.0% | 1.3% | 1.4% | 1.4% | 1.3% | 1.4% | 1.5% | 1.7% | 1.6% | 1.6% | 1.4% | 1.7% | 2.2% | 2.4% | 3.2% | 1.7% | 2.2% |
| Net profit YoY | +43.3% | +61.6% | +2.5% | −5.1% | −27.0% | −7.9% | −14.4% | +1.8% | – | – | – | −19.7% | – | – | +315.2% | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY22 | FY21 |
|---|---|---|---|---|---|
| Interest earned | 8,918 | 9,014 | 8,299 | 6,222 | 6,232 |
| Interest expended | 5,799 | 5,703 | 5,000 | 3,731 | 4,049 |
| Net interest income | 3,119 | 3,310 | 3,299 | 2,491 | 2,183 |
| Other income | 1,403 | 1,270 | 1,319 | 954 | 1,495 |
| Operating profit (pre-provision) | 1,974 | 1,828 | 2,164 | 1,633 | 1,999 |
| Provisions | 316 | 186 | 601 | 939 | 1,387 |
| Profit before tax | 1,658 | 1,641 | 1,563 | 694 | 612 |
| Net profit | 1,311 | 1,273 | 1,307 | 508 | 482 |
| EPS (₹) | 34.67 | 33.70 | 39.84 | 16.36 | 15.52 |
| Gross NPA | 2.8% | 3.1% | 3.5% | 3.9% | 4.9% |
| Net NPA | 1.0% | 1.3% | 1.6% | 2.4% | 3.2% |
| Net profit YoY | +3.0% | −2.6% | – | +5.3% | – |
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 | FY22 |
|---|---|---|---|---|
| Operating cash flow | 1,100 | 210 | 483 | −467 |
| Investing cash flow | −87.8 | −691 | −111 | −56.4 |
| Financing cash flow | −1,260 | 412 | 1,461 | −355 |
Net profit trend
annual, ₹ croreFY21
₹482
FY22
₹508+5%
FY24
₹1,307+157%
FY25
₹1,273−3%
FY26
₹1,311+3%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Consolidated | 29 Jul 2026 | PDF on NSE XBRL |
| Q1 FY27 | Standalone | 29 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Consolidated · audited | 19 May 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 19 May 2026 | PDF on NSE XBRL |
| Q3 FY26 | Consolidated | 10 Feb 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 10 Feb 2026 | PDF on NSE XBRL |
| Q2 FY26 | Consolidated | 8 Nov 2025 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 8 Nov 2025 | PDF on NSE XBRL |
| Q1 FY26 | Consolidated | 12 Aug 2025 | PDF on NSE XBRL |
| Q1 FY26 | Standalone | 12 Aug 2025 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 6.1×8.8×
P/B5Y avg 0.68×0.96×
ROEFY26, on average equity10.4%
ROAon average assets1.05%
Revenue CAGR (3Y)12.8%
Profit CAGR (3Y)37.2%
EPS (TTM)₹38.01
Market cap₹12,688 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
0.96×
vs 7-point avg 0.68× (+42%)
0.39× low0.68× avg1.07× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹1.29L Cr+7%
Advances₹81,810 Cr+7%
Deposits₹1.09L Cr+4%
Investments₹26,737 Cr+9%
Borrowings₹5,329 Cr+175%
Net worth₹13,224 Cr+9%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking44.5%result ₹854 Cr
Corporate Banking33.6%result ₹770 Cr
Treasury Operations18.8%result ₹264 Cr
Other Banking Operations3.1%result ₹90.2 Cr
Segment revenue as reported, before inter-segment eliminations.