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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	Q4 FY22	Q3 FY22	Q2 FY22	Q1 FY22	Q4 FY21	Q3 FY21	Q2 FY21	Q1 FY21	Q4 FY20	Q3 FY20	Q2 FY20	Q1 FY20	Q4 FY19	Q3 FY19	Q1 FY19
Interest earned	8,778	8,489	8,172	7,849	7,386	7,634	7,112	6,851	6,535	6,629	6,176	5,821	5,424	5,192	5,056	4,215	4,198	4,254	4,063	4,057	4,244	4,363	4,302	4,442	4,352	4,276	4,336	4,557	4,542	4,249
Interest expended	5,090	5,019	4,874	4,790	4,639	4,511	4,323	4,313	4,094	3,866	3,778	3,475	3,102	2,916	2,784	2,605	2,626	2,622	2,567	2,654	2,722	2,801	2,890	2,910	3,073	3,072	3,048	3,077	3,159	3,041
Net interest income	3,688	3,470	3,299	3,059	2,746	3,123	2,789	2,537	2,441	2,763	2,398	2,346	2,323	2,276	2,272	1,610	1,572	1,633	1,497	1,403	1,522	1,561	1,412	1,532	1,279	1,204	1,288	1,479	1,384	1,208
Other income	2,160	1,291	1,499	1,365	1,481	1,581	1,298	1,633	1,033	2,477	1,262	1,114	803	1,430	950	1,504	1,186	1,121	1,092	2,016	1,543	1,068	932	1,042	846	748	670	917	1,146	1,078
Operating profit (pre-provision)	2,693	2,665	2,603	2,400	2,358	2,618	2,266	2,128	1,676	1,961	1,780	1,677	1,345	1,882	1,540	1,614	1,527	1,419	1,202	1,724	1,731	1,346	1,094	1,144	762	746	828	1,132	1,466	1,132
Provisions	834	1,006	1,236	672	844	1,063	1,029	1,146	938	768	701	1,044	838	996	980	1,014	1,065	1,036	868	1,380	1,514	1,193	970	1,060	6,664	2,996	1,158	4,502	2,075	2,401
Profit before tax	1,859	1,659	1,367	1,728	1,514	1,554	1,237	982	738	1,193	1,079	633	507	1,914	560	600	462	383	334	344	218	154	125	83.5	−5,902	−2,250	−330	−3,370	−609	−1,269
Net profit	1,659	1,505	1,365	1,226	1,111	1,051	874	777	633	808	723	625	500	1,678	555	552	454	376	327	350	213	148	121	144	−6,075	−2,254	−342	−1,985	−346	−919
EPS (₹)	0.86	0.78	0.71	0.64	0.58	0.56	0.46	0.42	0.33	0.43	0.38	0.33	0.26	0.34	0.80	0.29	0.24	0.20	0.19	0.21	0.13	0.09	0.07	0.10	-5.83	-2.47	-0.37	-3.06	-1.16	-1.88
Gross NPA	1.3%	1.4%	1.5%	1.8%	2.0%	2.1%	2.5%	2.7%	2.9%	3.1%	3.9%	4.7%	7.1%	7.4%	8.2%	9.8%	10.4%	10.7%	11.5%	11.7%	12.2%	13.0%	13.9%	14.8%	17.1%	20.0%	22.5%	22.0%	23.8%	25.6%
Net NPA	0.2%	0.2%	0.2%	0.3%	0.3%	0.4%	0.4%	0.5%	0.5%	0.6%	0.6%	0.7%	1.4%	1.8%	2.4%	2.6%	2.6%	2.8%	3.1%	3.6%	3.1%	4.3%	5.1%	5.4%	5.8%	9.8%	11.0%	10.8%	13.6%	15.1%
Net profit YoY	+49.3%	+43.2%	+56.3%	+57.8%	+75.6%	+30.1%	+20.9%	+24.4%	+26.5%	−51.8%	+30.1%	–	–	+203.8%	+22.3%	+57.9%	+113.3%	+154.1%	+170.6%	+143.3%	+103.5%	+106.6%	+135.3%	+107.2%	−1655.8%	–	+62.8%	–	–	–

Annual results

financial years ending March · from the fourth-quarter filings

₹ crore	FY26	FY25	FY24	FY23	FY22	FY21	FY20	FY19
Interest earned	31,896	28,131	24,050	19,400	16,730	16,966	17,406	17,631
Interest expended	19,322	17,241	14,220	11,145	10,419	11,067	12,103	12,352
Net interest income	12,574	10,890	9,829	8,255	6,311	5,899	5,303	5,279
Other income	5,636	5,545	5,656	4,109	4,903	5,559	3,306	4,206
Operating profit (pre-provision)	10,026	8,688	6,764	5,942	5,763	5,896	3,480	5,034
Provisions	3,758	4,176	3,351	3,594	3,984	5,056	11,878	10,994
Profit before tax	6,268	4,512	3,413	5,206	1,779	840	−8,398	−5,961
Net profit	5,208	3,335	2,656	4,957	1,710	831	−8,527	−3,738
EPS (₹)	2.70	1.76	1.40	1.15	0.92	0.51	-7.99	-6.83
Gross NPA	1.4%	2.1%	3.1%	7.4%	9.8%	11.7%	14.8%	22.0%
Net NPA	0.2%	0.4%	0.6%	1.8%	2.6%	3.6%	5.4%	10.8%
Net profit YoY	+56.2%	+25.6%	−46.4%	+189.9%	+105.6%	+109.8%	−128.1%	–

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	5,502	2,963	−1,165	−11,476	5,566
Investing cash flow	−639	−565	−359	−563	−48
Financing cash flow	−710	118	−528	12.8	479

Net profit trend

annual, ₹ crore

FY21

₹831

FY22

₹1,710+106%

FY23

₹4,957+190%

FY24

₹2,656−46%

FY25

₹3,335+26%

FY26

₹5,208+56%

Result filings

as filed with NSE · PDF and XBRL

Period	Basis	Filed	Documents
Q1 FY27	Consolidated	20 Jul 2026	PDF on NSE XBRL
Q1 FY27	Standalone	20 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
Q3 FY26	Consolidated	–	PDF on NSE XBRL
Q3 FY26	Consolidated	14 Jan 2026	PDF on NSE XBRL
Q3 FY26	Standalone	–	PDF on NSE XBRL
Q3 FY26	Standalone	14 Jan 2026	PDF on NSE XBRL
Q2 FY26	Consolidated	16 Oct 2025	PDF on NSE XBRL

Annual reports

NSE archive

FY2625.56 MB FY25 FY24 FY23 FY22 FY21 FY20 FY19 FY18 FY17

Key ratios

P/E (TTM)5Y avg 25.9×10.7×

P/B5Y avg 2.93×1.64×

ROEFY26, on average equity14.9%

ROAon average assets1.20%

Revenue CAGR (3Y)18.0%

Profit CAGR (3Y)1.7%

EPS (TTM)₹2.99

Market cap₹61,583 Cr

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

P/B vs history

1.64×

vs 6-point avg 2.93× (−44%)

1.61× low2.93× avg4.13× high

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

Balance sheet 31 Mar 2026

Total assets₹4.73L Cr+20%

Advances₹3.07L Cr+25%

Deposits₹3.68L Cr+18%

Investments₹1.2L Cr+8%

Borrowings₹51,603 Cr+22%

Net worth₹37,515 Cr+15%

Change vs the same date a year earlier.

Revenue mix FY26

Retail Banking45.1%result ₹3,895 Cr

Corporate/Wholesale Banking29.5%result ₹3,949 Cr

Treasury Operations23.8%result ₹1,741 Cr

Other Banking Operations1.6%result ₹305 Cr

Segment revenue as reported, before inter-segment eliminations.

Shareholding 30 Jun 2026

%	Jun 26	Mar 26	Dec 25	Dec 25	Sept 25	Jun 25	Mar 25	Mar 25	Dec 24	Sept 24	Jun 24	Mar 24
Promoter	92.44	92.44	92.44	92.44	94.61	94.61	94.61	94.61	96.38	96.38	96.38	96.38
FII	0.47	0.43	0.35	0.35	0.31	0.08	0.22	0.22	0.02	0.03	0.05	0.05
DII	4.29	4.28	4.27	4.25	2.30	2.37	2.59	2.93	1.30	1.30	1.30	1.29
of which MF	0.24	0.22	0.18	0.14	0.12	0.12	–	–	–	–	–	–
Retail	2.40	2.40	2.46	2.46	2.29	2.38	1.92	1.90	1.95	1.93	1.90	1.90
Other public	0.40	0.45	0.48	0.50	0.49	0.56	0.66	0.34	0.35	0.36	0.37	0.38

9,55,025 shareholders · NSE shareholding pattern filings.