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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	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	7,862	7,947	7,360	7,216	7,151	7,108	7,265	7,006	6,728	6,339	6,085	5,791	5,350	5,012	4,698	3,686	3,604	3,566	3,525	3,516	3,604	3,622	3,572	3,544	3,414	3,295	0	0
Interest expended	4,538	4,402	4,401	4,429	4,540	4,456	4,570	4,393	4,212	3,936	3,760	3,544	3,255	2,938	2,585	2,030	1,970	1,959	2,000	2,003	2,076	2,159	2,197	2,221	2,206	2,097	0	0
Net interest income	3,324	3,545	2,960	2,787	2,611	2,651	2,695	2,612	2,516	2,403	2,326	2,247	2,095	2,075	2,113	1,656	1,634	1,607	1,525	1,513	1,528	1,462	1,376	1,323	1,208	1,198	0	0
Other income	1,082	1,186	1,143	1,105	1,164	1,047	931	1,010	936	810	908	757	741	768	565	484	521	447	623	481	485	509	483	678	421	371	0	0
Operating profit (pre-provision)	2,094	2,475	1,882	1,770	1,707	1,596	1,664	1,669	1,577	1,220	1,534	1,400	1,367	1,394	1,348	862	965	921	1,158	928	1,002	1,045	963	977	760	778	0	0
Provisions	353	762	374	397	437	163	387	196	173	−76.5	114	57.6	165	125	214	83.9	240	265	671	256	439	625	409	578	163	193	0	0
Profit before tax	1,741	1,714	1,507	1,373	1,270	1,434	1,277	1,473	1,404	1,296	1,420	1,343	1,202	1,269	1,134	778	725	657	487	673	563	419	554	399	598	585	0	0
Net profit	1,298	1,393	1,124	1,019	947	1,108	949	1,104	1,040	972	1,063	1,000	892	940	852	582	540	488	356	500	420	316	412	303	452	374	0	0
EPS (₹)	5.09	5.44	4.45	4.04	3.74	4.44	3.85	4.48	4.21	3.99	4.28	4.35	4.16	4.51	3.99	2.79	2.57	2.34	1.79	2.61	2.10	1.58	2.05	1.65	2.27	1.88	0.00	0.00
Gross NPA	1.5%	1.6%	1.7%	1.8%	1.9%	1.8%	1.9%	2.1%	2.1%	2.1%	2.3%	2.3%	2.4%	2.4%	2.4%	2.8%	3.1%	3.2%	3.5%	3.4%	2.7%	2.8%	2.9%	2.8%	3.0%	3.0%	–	–
Net NPA	0.2%	0.2%	0.4%	0.5%	0.5%	0.4%	0.5%	0.6%	0.6%	0.6%	0.7%	0.7%	0.7%	0.7%	0.8%	1.0%	1.1%	1.1%	1.3%	1.2%	0.6%	1.0%	1.2%	1.3%	1.6%	1.5%	–	–
Net profit YoY	+37.1%	+25.7%	+18.5%	−7.7%	−9.0%	+14.0%	−10.8%	+10.4%	+16.6%	+3.5%	+24.8%	–	–	+61.5%	+57.8%	+16.3%	+28.7%	+54.6%	−13.6%	+65.1%	−7.1%	–	+10.1%	–	–	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18
Interest earned	29,674	28,106	23,565	17,812	14,382	14,314	13,590	11,635	9,915
Interest expended	17,772	17,631	14,495	9,975	7,959	8,435	8,678	7,316	6,226
Net interest income	11,903	10,475	9,071	7,837	6,422	5,879	4,912	4,319	3,688
Other income	4,598	3,924	3,216	2,436	2,121	1,958	1,882	1,335	1,160
Operating profit (pre-provision)	7,834	6,507	5,521	5,062	3,951	3,938	3,247	2,818	2,344
Provisions	1,971	919	260	799	1,305	1,730	1,187	858	951
Profit before tax	5,863	5,588	5,261	4,263	2,646	2,209	2,060	1,960	1,393
Net profit	4,483	4,201	3,928	3,176	1,965	1,647	1,553	1,283	910
EPS (₹)	17.67	16.98	16.76	15.01	9.52	8.34	7.94	6.65	4.92
Gross NPA	1.6%	1.8%	2.1%	2.4%	2.8%	3.4%	2.8%	–	–
Net NPA	0.2%	0.4%	0.6%	0.7%	1.0%	1.2%	1.3%	–	–
Net profit YoY	+6.7%	+7.0%	+23.7%	+61.6%	+19.3%	+6.1%	+21.1%	+41.0%	–

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	4,349	8,801	6,431	489	−7,774
Investing cash flow	−11,109	−3,794	−8,908	−9,844	908
Financing cash flow	2,069	7,401	3,871	6,038	8,193

Net profit trend

annual, ₹ crore

FY21

₹1,647

FY22

₹1,965+19%

FY23

₹3,176+62%

FY24

₹3,928+24%

FY25

₹4,201+7%

FY26

₹4,483+7%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	17 Jul 2026	PDF on NSE XBRL
Q1 FY27	Standalone	17 Jul 2026	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	29 Apr 2026	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	–	PDF on NSE XBRL
Q4 FY26	Standalone · audited	29 Apr 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	–	PDF on NSE XBRL
Q3 FY26	Consolidated	16 Jan 2026	PDF XBRL
Q3 FY26	Standalone	16 Jan 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	19 Oct 2025	PDF XBRL
Q2 FY26	Standalone	19 Oct 2025	PDF XBRL

Annual reports

NSE archive

FY2618.99 MB FY25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 11.9×16.9×

P/B5Y avg 1.36×1.93×

ROEFY26, on average equity11.4%

ROAon average assets1.18%

Revenue CAGR (3Y)18.5%

Profit CAGR (3Y)12.2%

EPS (TTM)₹19.00

Market cap₹79,350 Cr

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

P/B vs history

1.93×

vs 5-point avg 1.36× (+42%)

1.20× low1.36× avg1.93× high

History points are balance-sheet dates (2024 → 2026), priced at the adjusted close on each date.

Balance sheet 31 Mar 2026

Total assets₹4.02L Cr+12%

Advances₹2.77L Cr+13%

Deposits₹3.13L Cr+11%

Investments₹76,471 Cr+16%

Borrowings₹33,193 Cr+2%

Net worth₹41,112 Cr+16%

Change vs the same date a year earlier.

Revenue mix FY26

Retail Banking - Other Retail Banking57.3%result ₹1,758 Cr

Corporate/Wholesale Banking22.9%result ₹2,383 Cr

Treasury12.6%result ₹1,194 Cr

Retail Banking - Digital Banking6.3%result ₹101 Cr

Other Banking operations0.9%result ₹375 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	Oct 23
FII	27.71	26.05	24.94	25.54	26.86	26.28	26.32	27.72	28.64	28.57	29.39	29.42
DII	49.28	50.39	51.11	49.71	48.17	49.07	48.90	47.18	45.19	45.38	44.70	44.44
of which MF	37.69	38.11	38.16	37.52	35.39	–	–	–	–	–	–	–
Retail	16.09	16.53	16.81	17.60	17.78	17.53	17.58	17.89	18.79	18.80	18.38	18.69
Other public	6.92	7.03	7.14	7.15	7.19	7.12	7.20	7.21	7.38	7.25	7.53	7.45

8,11,380 shareholders · NSE shareholding pattern filings.