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 FY23 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 | Q3 FY19 | Q2 FY19 | Q1 FY19 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 3,049 | 2,904 | 2,794 | 2,808 | 2,569 | 2,516 | 2,486 | 2,384 | 2,285 | 2,185 | 2,139 | 1,579 | 1,350 | 1,395 | 1,376 | 1,456 | 1,504 | 1,538 | 1,493 | 1,443 | 1,457 | 1,443 |
| Interest expended | 1,627 | 1,545 | 1,555 | 1,547 | 1,489 | 1,427 | 1,407 | 1,324 | 1,260 | 1,189 | 1,138 | 758 | 767 | 793 | 814 | 866 | 927 | 941 | 909 | 862 | 878 | 859 |
| Net interest income | 1,423 | 1,359 | 1,239 | 1,261 | 1,079 | 1,089 | 1,079 | 1,060 | 1,024 | 995 | 1,001 | 821 | 584 | 601 | 562 | 590 | 577 | 596 | 584 | 581 | 579 | 584 |
| Other income | 442 | 616 | 509 | 512 | 447 | 509 | 467 | 472 | 388 | 629 | 358 | 242 | 251 | 272 | 317 | 347 | 260 | 278 | 270 | 260 | 176 | 255 |
| Operating profit (pre-provision) | 1,096 | 1,247 | 1,005 | 1,017 | 806 | 835 | 815 | 816 | 746 | 867 | 676 | 572 | 257 | 449 | 474 | 500 | 385 | 431 | 445 | 425 | 361 | 460 |
| Provisions | 90.3 | 258 | 105 | 274 | 118 | 161 | 147 | 180 | 133 | 293 | 150 | 227 | 201 | 285 | 338 | 429 | 364 | 365 | 330 | 400 | 213 | 423 |
| Profit before tax | 1,005 | 989 | 901 | 743 | 687 | 674 | 668 | 636 | 613 | 574 | 526 | 345 | 55.7 | 164 | 136 | 70.6 | 20.5 | 66 | 115 | 24.6 | 148 | 37 |
| Net profit | 756 | 725 | 690 | 574 | 521 | 513 | 496 | 474 | 459 | 456 | 412 | 250 | 34.6 | 115 | 106 | 83.7 | 15.1 | 63.3 | 72.9 | 21.2 | 83.7 | 45.9 |
| EPS (₹) | 7.82 | 7.50 | 7.14 | 5.94 | 6.48 | 6.38 | 6.16 | 5.89 | 5.70 | 5.67 | 5.13 | 3.13 | 0.43 | 1.44 | 1.32 | 1.05 | 0.19 | 0.79 | 0.91 | 0.27 | 1.05 | 0.60 |
| Gross NPA | 0.7% | 0.8% | 0.7% | 0.8% | 0.7% | 0.8% | 0.8% | 1.1% | 1.3% | 1.4% | 1.6% | 4.0% | 7.4% | 7.9% | 8.3% | 8.7% | 8.9% | 8.9% | 9.2% | 8.5% | 7.7% | 7.4% |
| Net NPA | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% | 1.4% | 2.5% | 3.0% | 3.4% | 3.9% | 4.1% | 4.5% | 4.9% | 5.0% | 4.4% | 4.5% |
| Net profit YoY | +44.9% | +41.2% | +39.1% | +21.2% | +13.7% | +12.6% | +20.5% | – | – | – | – | – | +129.8% | +81.4% | +44.7% | – | −28.9% | −24.4% | +58.8% | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY20 |
|---|---|---|---|---|
| Interest earned | 11,074 | 9,678 | 8,204 | 5,990 |
| Interest expended | 6,136 | 5,418 | 4,395 | 3,642 |
| Net interest income | 4,939 | 4,260 | 3,809 | 2,348 |
| Other income | 2,084 | 1,830 | 1,659 | 1,155 |
| Operating profit (pre-provision) | 4,075 | 3,212 | 2,829 | 1,761 |
| Provisions | 755 | 622 | 729 | 1,489 |
| Profit before tax | 3,320 | 2,591 | 2,100 | 272 |
| Net profit | 2,510 | 1,942 | 1,605 | 235 |
| EPS (₹) | 25.98 | 24.13 | 19.90 | 2.94 |
| Gross NPA | 0.8% | 0.8% | 1.4% | 8.7% |
| Net NPA | 0.2% | 0.2% | 0.4% | 3.9% |
| Net profit YoY | +29.3% | +21.0% | – | – |
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 |
|---|---|---|---|
| Operating cash flow | −554 | 4,487 | 2,954 |
| Investing cash flow | −1,745 | −2,151 | −1,296 |
| Financing cash flow | −205 | −188 | −694 |
Net profit trend
annual, ₹ croreFY20
₹235
FY24
₹1,605+583%
FY25
₹1,942+21%
FY26
₹2,510+29%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Standalone | 20 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 7 May 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 23 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 17 Oct 2025 | PDF on NSE XBRL |
| Q1 FY26 | Standalone | 24 Jul 2025 | PDF on NSE XBRL |
| Q4 FY25 | Standalone · audited | 19 May 2025 | PDF on NSE XBRL |
| Q3 FY25 | Standalone | 20 Jan 2025 | PDF on NSE XBRL |
| Q2 FY25 | Standalone | 17 Oct 2024 | PDF on NSE XBRL |
| Q1 FY25 | Standalone | 18 Jul 2024 | PDF on NSE XBRL |
| Q4 FY24 | Standalone · audited | 13 May 2024 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 9.7×11.6×
P/B5Y avg 1.48×2.25×
ROEFY26, on average equity19.3%
ROAon average assets1.96%
Revenue CAGR (3Y)22.7%
Profit CAGR (3Y)120.2%
EPS (TTM)₹28.39
Market cap₹31,701 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
2.25×
vs 6-point avg 1.48× (+52%)
0.83× low1.48× avg2.25× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹1.37L Cr+14%
Advances₹98,191 Cr+17%
Deposits₹1.16L Cr+13%
Investments₹29,020 Cr+22%
Borrowings₹2,623 Cr+115%
Net worth₹14,108 Cr+18%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking62.6%result ₹2,764 Cr
Corporate/Wholesale Banking19.6%result ₹883 Cr
Treasury16.2%result ₹591 Cr
Other Banking Operations1.7%result ₹178 Cr
Segment revenue as reported, before inter-segment eliminations.