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 | Q4 FY23 | Q3 FY23 | Q2 FY23 | Q4 FY22 | Q4 FY21 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q1 FY20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 3,547 | 3,273 | 3,315 | 3,293 | 3,269 | 3,213 | 3,210 | 3,124 | 2,994 | 2,910 | 2,881 | 2,764 | 2,512 | 2,441 | 2,299 | 2,012 | 1,952 | 2,076 | 2,045 | 2,038 | 2,156 | 2,067 | 2,072 |
| Interest expended | 2,049 | 1,784 | 1,824 | 1,858 | 1,803 | 1,732 | 1,697 | 1,687 | 1,625 | 1,604 | 1,600 | 1,430 | 1,262 | 1,183 | 1,095 | 1,037 | 1,034 | 1,071 | 1,101 | 1,134 | 1,169 | 1,193 | 1,170 |
| Net interest income | 1,499 | 1,489 | 1,491 | 1,435 | 1,467 | 1,482 | 1,512 | 1,436 | 1,369 | 1,306 | 1,281 | 1,334 | 1,250 | 1,258 | 1,204 | 976 | 918 | 1,005 | 944 | 904 | 987 | 875 | 902 |
| Other income | 217 | 262 | 282 | 157 | 253 | 406 | 242 | 301 | 198 | 229 | 186 | 193 | 168 | 244 | 148 | 199 | 180 | 273 | 152 | 122 | 123 | 130 | 185 |
| Operating profit (pre-provision) | 705 | 913 | 781 | 624 | 674 | 801 | 749 | 789 | 596 | 665 | 551 | 535 | 450 | 545 | 484 | 319 | 315 | 564 | 405 | 332 | 382 | 335 | 410 |
| Provisions | 84 | 50.3 | −25.8 | −10.9 | 15.1 | −9.2 | −9.8 | 32.5 | −17.5 | −165 | −9.4 | −10 | −175 | 27 | 76.9 | −56.3 | 28.3 | 458 | 325 | 266 | 620 | 283 | 293 |
| Profit before tax | 621 | 862 | 807 | 635 | 659 | 810 | 758 | 757 | 614 | 830 | 561 | 545 | 625 | 518 | 407 | 120 | 287 | 107 | 79.7 | 65.2 | −238 | 51.8 | 117 |
| Net profit | 425 | 799 | 588 | 495 | 486 | 585 | 532 | 553 | 417 | 640 | 422 | 381 | 477 | 312 | 244 | 113 | 317 | 66.4 | 44.4 | 7.3 | −294 | 49.1 | 21.2 |
| EPS (₹) | 3.89 | 7.25 | 5.28 | 4.49 | 4.40 | 5.28 | 4.80 | 5.02 | 3.80 | 5.75 | 4.05 | 3.72 | 4.87 | 3.19 | 2.49 | 1.27 | 4.52 | 0.93 | 0.53 | 0.03 | -4.72 | 1.21 | 0.39 |
| Gross NPA | 2.4% | 2.5% | 3.0% | 3.3% | 3.5% | 3.4% | 4.1% | 4.0% | 3.9% | 4.1% | 4.8% | 5.3% | 6.0% | 7.2% | 7.7% | 8.7% | 9.7% | 8.7% | 8.9% | 10.7% | 11.0% | 11.1% | 8.5% |
| Net NPA | 0.6% | 0.6% | 0.7% | 0.8% | 0.8% | 0.8% | 0.9% | 0.9% | 0.8% | 0.8% | 0.8% | 1.0% | 1.6% | 2.1% | 2.1% | 2.5% | 2.9% | 2.5% | 3.0% | 3.0% | 3.5% | 4.4% | 4.4% |
| Net profit YoY | −12.5% | +36.6% | +10.5% | −10.5% | +16.6% | −8.6% | +26.1% | +44.9% | – | +34.2% | +35.2% | +56.6% | +321.6% | – | – | −64.3% | +207.8% | +35.3% | – | −65.5% | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Interest earned | 13,151 | 12,541 | 11,213 | 9,355 | 8,013 | 8,111 | 8,446 |
| Interest expended | 7,269 | 6,741 | 6,008 | 4,609 | 4,101 | 4,340 | 4,739 |
| Net interest income | 5,882 | 5,800 | 5,205 | 4,746 | 3,912 | 3,771 | 3,707 |
| Other income | 951 | 1,147 | 838 | 765 | 790 | 728 | 550 |
| Operating profit (pre-provision) | 2,992 | 2,935 | 2,280 | 1,860 | 1,373 | 1,615 | 1,523 |
| Provisions | 28.6 | −3.9 | −108 | 74.1 | 357 | 1,077 | 2,625 |
| Profit before tax | 2,964 | 2,939 | 2,388 | 1,786 | 747 | 538 | −1,102 |
| Net profit | 2,368 | 2,086 | 1,770 | 1,199 | 504 | 435 | −1,142 |
| EPS (₹) | 21.42 | 18.91 | 16.84 | 12.25 | 5.96 | 6.01 | -16.59 |
| Gross NPA | 2.5% | 3.4% | 4.1% | 6.0% | 8.7% | 9.7% | 11.0% |
| Net NPA | 0.6% | 0.8% | 0.8% | 1.6% | 2.5% | 2.9% | 3.5% |
| Net profit YoY | +13.5% | +17.9% | +47.7% | +137.6% | +16.0% | +138.1% | – |
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 | −1,707 | 2,723 | −924 | −407 | −1,568 |
| Investing cash flow | 302 | −102 | −186 | −124 | −85.2 |
| Financing cash flow | −500 | −1,034 | 407 | 638 | 941 |
Net profit trend
annual, ₹ croreFY21
₹435
FY22
₹504+16%
FY23
₹1,199+138%
FY24
₹1,770+48%
FY25
₹2,086+18%
FY26
₹2,368+13%
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 | 5 May 2026 | PDF on NSE XBRL |
| Q4 FY26 | Consolidated · audited | – | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 5 May 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | – | PDF on NSE XBRL |
| Q3 FY26 | Consolidated | 20 Jan 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 20 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Consolidated | 18 Oct 2025 | PDF XBRL |
| Q2 FY26 | Standalone | 18 Oct 2025 | PDF XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 6.4×7.0×
P/B5Y avg 0.78×0.98×
ROEFY26, on average equity15.4%
ROAon average assets1.32%
Revenue CAGR (3Y)12.0%
Profit CAGR (3Y)25.5%
EPS (TTM)₹20.92
Market cap₹16,090 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
0.98×
vs 8-point avg 0.78× (+25%)
0.36× low0.78× avg1.21× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹1.89L Cr+12%
Advances₹1.23L Cr+18%
Deposits₹1.65L Cr+11%
Investments₹40,520 Cr−1%
Borrowings₹3,431 Cr+44%
Net worth₹16,500 Cr+16%
Change vs the same date a year earlier.
Revenue mix FY26
Other Retail Banking58.8%result ₹1,893 Cr
Treasury Operations23.5%result ₹215 Cr
Corporate/Wholesale Banking17.1%result ₹1,786 Cr
Other Banking Business0.7%result ₹82.4 Cr
Digital Retail Banking0.0%result ₹−0.9 Cr
Segment revenue as reported, before inter-segment eliminations.