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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	Q1 FY24	Q4 FY23	Q3 FY23	Q2 FY23	Q4 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q2 FY20	Q1 FY20	Q3 FY19	Q1 FY19
Interest earned	3,213	3,030	3,042	2,999	2,911	3,159	2,931	2,739	2,652	2,881	2,491	2,406	2,316	2,105	2,107	1,980	1,793	1,741	1,690	1,611	1,763	1,800	1,800	1,904	1,941	2,014	2,071	2,156	2,185
Interest expended	2,175	2,055	2,056	2,049	2,010	2,037	1,992	1,866	1,802	1,792	1,752	1,731	1,578	1,421	1,302	1,205	1,096	1,124	1,111	1,116	1,147	1,187	1,263	1,400	1,464	1,504	1,503	1,622	1,474
Net interest income	1,039	975	986	950	900	1,122	939	873	850	1,089	739	675	738	684	805	775	698	617	579	495	616	613	537	504	476	509	568	534	711
Other income	332	427	507	374	469	677	338	359	194	13.4	362	268	179	547	138	140	215	204	349	330	219	199	154	385	136	209	167	181	151
Operating profit (pre-provision)	545	542	594	505	540	816	484	458	317	336	277	260	257	536	344	318	317	249	411	174	140	231	226	430	147	251	270	234	408
Provisions	94	−73.2	138	148	217	374	109	151	103	110	96.3	−35	23.1	−57.1	−207	125	−132	151	77.3	4.4	2,925	864	383	818	494	973	335	203	1,025
Profit before tax	451	615	456	357	323	442	375	307	213	227	181	295	234	593	552	193	449	98	334	169	−2,785	−632	−157	−388	−347	−722	−65	31.3	−617
Net profit	332	422	336	295	269	313	282	240	182	139	114	189	153	457	373	278	346	218	174	161	−2,376	−401	−157	−236	−255	−469	−30.3	22.3	−398
EPS (₹)	0.47	0.59	0.47	0.42	0.38	0.46	0.42	0.35	0.27	0.21	0.17	0.28	0.23	0.67	0.55	0.41	0.85	0.54	0.43	1.67	-33.89	-5.72	-1.67	-3.37	-3.96	-7.79	-0.53	0.40	-7.05
Gross NPA	2.2%	2.4%	2.6%	2.9%	3.3%	3.4%	3.8%	4.2%	4.7%	5.4%	5.7%	6.2%	6.8%	7.0%	8.4%	9.7%	12.2%	14.5%	13.3%	13.8%	13.1%	14.1%	14.3%	14.2%	13.6%	13.6%	12.9%	11.2%	10.5%
Net NPA	0.7%	0.8%	0.7%	0.8%	0.9%	1.0%	1.3%	1.5%	1.6%	1.6%	1.8%	1.9%	1.9%	1.8%	2.0%	2.2%	2.7%	3.8%	3.6%	4.0%	2.8%	5.9%	7.6%	8.0%	8.7%	7.1%	7.8%	6.9%	5.9%
Net profit YoY	+23.2%	+34.9%	+19.3%	+22.9%	+48.3%	+124.5%	+146.7%	+26.7%	+18.9%	−69.5%	−69.4%	−32.0%	–	+32.0%	–	+27.4%	+115.2%	+154.4%	+211.0%	+168.0%	−829.8%	+14.4%	−417.3%	–	−1243.6%	–	+92.4%	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20
Interest earned	11,982	11,481	10,851	7,993	7,096	6,974	7,930
Interest expended	8,170	7,698	6,853	5,019	4,445	4,712	5,872
Net interest income	3,811	3,784	3,998	2,973	2,651	2,262	2,058
Other income	1,778	1,568	64.7	940	959	903	897
Operating profit (pre-provision)	2,182	2,075	1,131	1,450	1,330	771	1,097
Provisions	429	737	194	−170	143	4,175	2,619
Profit before tax	1,752	1,338	937	1,620	1,187	−3,404	−1,522
Net profit	1,322	1,016	595	1,313	1,039	−2,733	−991
EPS (₹)	1.86	1.50	0.88	1.94	2.56	-35.71	-15.76
Gross NPA	2.4%	3.4%	5.4%	7.0%	12.2%	13.8%	14.2%
Net NPA	0.8%	1.0%	1.6%	1.8%	2.7%	4.0%	8.0%
Net profit YoY	+30.1%	+70.6%	−54.7%	+26.4%	+138.0%	−175.8%	–

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	FY23	FY22
Operating cash flow	−1,893	−2,294	1,749	1,428	−5,999
Investing cash flow	−241	−168	−229	−88.2	−121
Financing cash flow	−387	3,898	−434	−1,332	4,068

Net profit trend

annual, ₹ crore

FY21

₹−2,733

FY22

₹1,039+138%

FY23

₹1,313+26%

FY24

₹595−55%

FY25

₹1,016+71%

FY26

₹1,322+30%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Standalone	18 Jul 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	27 Apr 2026	PDF on NSE XBRL
Q3 FY26	Standalone	17 Jan 2026	PDF on NSE XBRL
Q2 FY26	Standalone	16 Oct 2025	PDF on NSE XBRL
Q1 FY26	Standalone	19 Jul 2025	PDF on NSE XBRL
Q4 FY25	Standalone · audited	29 Apr 2025	PDF on NSE XBRL
Q3 FY25	Standalone	15 Jan 2025	PDF on NSE XBRL
Q2 FY25	Standalone	19 Oct 2024	PDF on NSE XBRL
Q1 FY25	Standalone	26 Jul 2024	PDF on NSE XBRL
Q4 FY24	Standalone · audited	10 May 2024	PDF on NSE XBRL

Annual reports

NSE archive

FY2612.41 MB FY25 FY24 FY23 FY22 FY21 FY20 FY18 FY17 FY16

Key ratios

P/E (TTM)5Y avg 37.6×11.2×

P/B5Y avg 2.00×1.10×

ROEFY26, on average equity9.6%

ROAon average assets0.78%

Revenue CAGR (3Y)14.4%

Profit CAGR (3Y)0.2%

EPS (TTM)₹1.95

Market cap₹15,483 Cr

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

P/B vs history

1.10×

vs 7-point avg 2.00× (−45%)

0.78× low2.00× avg3.38× high

History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.

Balance sheet 31 Mar 2026

Total assets₹1.79L Cr+11%

Advances₹1.16L Cr+19%

Deposits₹1.46L Cr+12%

Investments₹49,388 Cr+5%

Borrowings₹16,352 Cr+15%

Net worth₹14,132 Cr+6%

Change vs the same date a year earlier.

Revenue mix FY26

Retail Banking43.3%result ₹1,152 Cr

Corporate/Wholesale Banking30.3%result ₹807 Cr

Treasury26.2%result ₹794 Cr

Other Banking Operations0.3%result ₹36.4 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
Promoter	93.85	93.85	93.85	93.85	93.85	93.85	98.25	98.25	98.25	98.25	98.25	98.25
FII	0.14	0.15	0.16	0.16	0.25	0.73	0.00	0.00	0.00	0.02	0.01	0.03
DII	3.81	3.91	4.00	4.04	4.07	4.32	0.65	0.65	0.65	0.65	0.65	0.68
of which MF	0.13	0.11	0.11	0.11	0.11	–	–	–	–	–	–	–
Retail	1.92	1.83	1.74	1.70	1.62	0.94	1.00	1.01	1.00	0.97	0.96	0.93
Other public	0.28	0.26	0.25	0.25	0.21	0.16	0.10	0.09	0.10	0.11	0.13	0.11

2,21,849 shareholders · NSE shareholding pattern filings.