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Quarterly results

consolidated · as filed with NSE · Q1 FY27 back to Q1 FY20

₹ 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 FY23	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q1 FY20
Interest earned	11,310	11,005	11,373	11,609	12,264	10,634	12,801	12,686	12,547	12,199	11,572	11,248	8,182	7,860	7,737	7,650	7,575	7,419	7,242	7,177	7,162	7,387	7,285	6,961
Interest expended	6,625	6,634	6,811	7,199	7,624	7,586	7,573	7,339	7,139	6,822	6,277	6,171	4,057	3,875	3,944	3,992	4,011	3,885	3,835	3,899	3,853	4,155	4,210	4,117
Net interest income	4,685	4,371	4,562	4,409	4,640	3,048	5,228	5,347	5,408	5,376	5,296	5,077	4,125	3,985	3,794	3,658	3,564	3,535	3,406	3,278	3,309	3,231	3,074	2,844
Other income	1,787	1,714	1,707	1,651	2,157	709	2,355	2,185	2,442	2,508	2,396	2,282	1,932	1,905	1,877	1,838	1,788	1,780	1,646	1,554	1,520	1,772	1,790	1,663
Operating profit (pre-provision)	2,773	2,295	2,270	2,047	2,567	−491	3,601	3,600	3,952	4,082	4,042	3,909	3,431	3,381	3,312	3,219	3,185	3,129	2,964	2,852	2,928	2,857	2,758	2,591
Provisions	1,384	1,482	2,096	2,631	1,760	2,522	1,744	1,820	1,050	950	969	974	1,251	1,464	1,654	1,703	1,844	1,866	1,854	1,964	2,259	2,440	1,043	431
Profit before tax	1,389	813	174	−584	807	−3,013	1,857	1,780	2,902	3,131	3,073	2,935	2,180	1,918	1,658	1,515	1,341	1,263	1,110	888	669	416	1,714	2,160
Net profit	1,037	594	128	−437	604	−2,329	1,402	1,331	2,171	2,349	2,301	2,202	1,631	1,401	1,241	1,147	1,016	926	830	663	510	315	1,309	1,433
EPS (₹)	13.31	7.63	1.64	-5.61	7.75	-29.90	18.01	17.09	27.89	30.19	29.60	28.36	21.05	18.08	16.04	14.81	13.14	12.11	10.97	9.30	7.36	4.55	18.89	20.68
Gross NPA	3.3%	3.4%	3.6%	3.6%	3.6%	3.1%	2.3%	2.1%	2.0%	1.9%	1.9%	1.9%	2.4%	2.3%	2.5%	2.8%	2.9%	2.7%	1.7%	2.2%	2.5%	2.5%	2.2%	2.1%
Net NPA	0.9%	1.0%	1.0%	1.0%	1.1%	0.9%	0.7%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.6%	0.7%	0.8%	0.8%	0.7%	0.2%	0.5%	0.9%	0.9%	1.1%	1.2%
Net profit YoY	+71.7%	+125.5%	−90.9%	−132.8%	−72.2%	−199.1%	−39.1%	−39.5%	–	–	–	–	+60.5%	+51.2%	+49.5%	+72.9%	+99.1%	+193.8%	−36.6%	–	−64.4%	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY22	FY21	FY20
Interest earned	46,251	48,668	45,748	30,822	29,000	28,783
Interest expended	28,268	29,636	25,132	15,822	15,472	16,724
Net interest income	17,982	19,031	20,616	15,001	13,528	12,059
Other income	7,229	7,690	9,396	7,408	6,501	6,953
Operating profit (pre-provision)	9,180	10,661	15,864	13,098	11,872	10,829
Provisions	7,969	7,136	3,885	6,665	7,943	4,652
Profit before tax	1,210	3,526	11,979	6,433	3,929	6,177
Net profit	889	2,575	8,977	4,805	2,930	4,458
EPS (₹)	11.42	33.07	115.54	62.07	40.03	64.33
Gross NPA	3.4%	3.1%	1.9%	2.3%	2.7%	2.5%
Net NPA	1.0%	0.9%	0.6%	0.6%	0.7%	0.9%
Net profit YoY	−65.5%	−71.3%	–	+64.0%	−34.3%	–

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	993	18,278	−16,925	16,672
Investing cash flow	−634	−709	−711	−406
Financing cash flow	−10,912	4,876	−2,242	−4,302

Net profit trend

annual, ₹ crore

FY20

₹4,458

FY21

₹2,930−34%

FY22

₹4,805+64%

FY24

₹8,977+87%

FY25

₹2,575−71%

FY26

₹889−65%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	22 Jul 2026	PDF on NSE XBRL
Q1 FY27	Standalone	22 Jul 2026	PDF on NSE XBRL
Q4 FY26	Consolidated · audited	24 Apr 2026	PDF on NSE XBRL
Q4 FY26	Standalone · audited	24 Apr 2026	PDF on NSE XBRL
Q3 FY26	Consolidated	23 Jan 2026	PDF on NSE XBRL
Q3 FY26	Standalone	23 Jan 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	18 Oct 2025	PDF on NSE XBRL
Q2 FY26	Standalone	18 Oct 2025	PDF on NSE XBRL
Q1 FY26	Consolidated	28 Jul 2025	PDF on NSE XBRL
Q1 FY26	Standalone	28 Jul 2025	PDF on NSE XBRL

Annual reports

NSE archive

FY269.07 MB FY25 FY24 FY23 FY21 FY20 FY19 FY18 FY17 FY16

Key ratios

P/E (TTM)5Y avg 33.0×53.7×

P/B5Y avg 1.24×1.08×

ROEFY26, on average equity1.4%

ROAon average assets0.16%

Revenue CAGR (3Y)14.5%

Profit CAGR (3Y)-43.0%

EPS (TTM)₹16.97

Market cap₹71,070 Cr

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

P/B vs history

1.08×

vs 5-point avg 1.24× (−13%)

0.78× low1.24× avg1.91× high

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

Balance sheet 31 Mar 2026

Total assets₹5.43L Cr−2%

Advances₹3.16L Cr−8%

Deposits₹4L Cr−3%

Investments₹1.25L Cr+9%

Borrowings₹42,789 Cr−20%

Net worth₹65,740 Cr+1%

Change vs the same date a year earlier.

Revenue mix FY26

iii) Retail Banking62.9%result ₹5,687 Cr

ii) Corporate / Wholesale Banking18.9%result ₹1,698 Cr

i) Treasury Operations18.2%result ₹2,354 Cr

iv) Other Banking Business0.0%result ₹4.1 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	15.82	15.82	15.82	15.82	15.82	15.83	16.29	16.36	16.38	16.40	16.45	16.47
FII	29.16	28.57	31.60	34.32	33.69	29.53	24.74	34.10	38.40	40.24	42.46	41.48
DII	42.25	40.51	35.38	31.95	33.56	36.70	42.81	35.08	30.18	28.59	26.70	28.66
of which MF	30.26	30.11	25.82	23.59	25.36	27.55	–	–	–	–	–	–
Retail	8.06	8.71	10.26	11.09	9.89	11.23	10.10	8.37	8.55	7.96	7.57	7.42
Other public	4.71	6.39	6.94	6.82	7.04	6.71	6.06	6.09	6.49	6.81	6.82	5.97

5,68,147 shareholders · NSE shareholding pattern filings.