Quarterly results
consolidated · 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 | Q2 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 | Q3 FY19 | Q2 FY19 | Q1 FY19 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 18,355 | 17,827 | 17,507 | 17,199 | 17,248 | 16,772 | 16,633 | 16,427 | 15,837 | 15,156 | 14,495 | 13,717 | 12,869 | 11,982 | 11,011 | 9,994 | 8,838 | 8,626 | 8,226 | 8,043 | 7,952 | 8,280 | 8,337 | 8,422 | 8,434 | 8,332 | 8,314 | 7,976 | 7,745 | 7,311 | 6,903 |
| Interest expended | 7,703 | 7,376 | 7,384 | 7,333 | 7,529 | 7,160 | 7,171 | 7,139 | 6,805 | 6,212 | 5,985 | 5,536 | 4,834 | 4,230 | 3,804 | 3,374 | 2,903 | 2,919 | 2,880 | 2,851 | 2,933 | 3,120 | 3,286 | 3,628 | 3,801 | 3,890 | 4,155 | 3,975 | 3,941 | 3,773 | 3,499 |
| Net interest income | 10,652 | 10,451 | 10,122 | 9,866 | 9,719 | 9,612 | 9,462 | 9,288 | 9,032 | 8,944 | 8,509 | 8,181 | 8,035 | 7,752 | 7,207 | 6,620 | 5,935 | 5,707 | 5,345 | 5,192 | 5,019 | 5,160 | 5,052 | 4,793 | 4,633 | 4,442 | 4,159 | 4,001 | 3,804 | 3,538 | 3,405 |
| Other income | 11,714 | 10,280 | 10,344 | 7,703 | 9,456 | 10,402 | 7,313 | 10,453 | 9,239 | 12,751 | 9,588 | 7,843 | 7,855 | 8,749 | 7,470 | 7,519 | 7,956 | 5,550 | 7,116 | 4,757 | 8,224 | 6,555 | 5,254 | 3,901 | 3,651 | 5,210 | 3,815 | 5,848 | 3,603 | 3,518 | 3,000 |
| Operating profit (pre-provision) | 8,274 | 7,661 | 7,473 | 7,017 | 7,375 | 7,491 | 7,234 | 7,537 | 6,782 | 7,217 | 6,276 | 6,343 | 6,000 | 6,137 | 5,371 | 4,884 | 4,685 | 4,293 | 4,365 | 3,606 | 4,578 | 4,129 | 4,388 | 3,555 | 3,937 | 3,362 | 3,263 | 3,188 | 2,708 | 2,910 | 2,815 |
| Provisions | 765 | 585 | 940 | 1,054 | 1,321 | 1,140 | 1,054 | 890 | 774 | 442 | 662 | 455 | 414 | 148 | 147 | 137 | −402 | −118 | 434 | 1,087 | 1,215 | 674 | 473 | 1,119 | 1,262 | 473 | 350 | 198 | −10.9 | 360 | 499 |
| Profit before tax | 7,509 | 7,443 | 6,533 | 5,963 | 6,053 | 6,351 | 6,180 | 6,647 | 9,811 | 6,775 | 5,614 | 5,888 | 5,586 | 5,989 | 5,224 | 4,747 | 5,087 | 4,411 | 3,931 | 2,519 | 3,364 | 3,455 | 3,914 | 2,435 | 2,674 | 2,889 | 2,913 | 2,991 | 2,719 | 2,550 | 2,316 |
| Net profit | 5,487 | 5,402 | 4,904 | 4,446 | 4,429 | 4,909 | 4,640 | 4,998 | 7,399 | 5,242 | 4,202 | 4,423 | 4,109 | 4,530 | 3,959 | 3,579 | 3,859 | 3,338 | 2,941 | 1,795 | 2,553 | 2,576 | 2,933 | 1,840 | 1,952 | 2,329 | 1,927 | 2,038 | 1,823 | 1,714 | 1,545 |
| EPS (₹) | 5.51 | 5.45 | 4.95 | 22.47 | 22.49 | 24.81 | 23.64 | 25.37 | 37.47 | 26.66 | 21.46 | 22.45 | 20.89 | 22.78 | 20.12 | 18.17 | 19.41 | 17.16 | 15.07 | 9.11 | 12.87 | 13.14 | 14.89 | 9.57 | 9.71 | 12.29 | 10.12 | 10.68 | 9.67 | 9.17 | 8.26 |
| Gross NPA | 1.2% | 1.2% | 1.3% | – | 1.5% | 1.5% | 1.5% | 1.5% | 1.4% | 1.4% | 1.7% | 1.7% | 1.8% | 1.8% | 1.9% | 2.1% | 2.4% | 2.8% | 3.2% | 3.6% | 3.2% | 2.3% | 2.5% | 2.7% | 2.2% | 2.3% | 2.0% | 1.9% | 1.9% | 1.9% | 1.9% |
| Net NPA | 0.3% | 0.3% | 0.4% | – | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.6% | 0.7% | 0.9% | 1.1% | 1.3% | 1.2% | 0.5% | 0.7% | 0.9% | 0.7% | 0.9% | 0.7% | 0.7% | 0.7% | 0.7% | 0.8% |
| Net profit YoY | +23.9% | +10.0% | +5.7% | −11.0% | −40.1% | −6.4% | +10.4% | +13.0% | +80.1% | +15.7% | +6.1% | +23.6% | – | +17.4% | +18.6% | +21.7% | +51.1% | +29.6% | +0.2% | −2.5% | +30.8% | +10.6% | – | −4.5% | −4.2% | +27.8% | +24.7% | – | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|---|
| Interest earned | 69,781 | 65,669 | 56,237 | 42,151 | 33,740 | 32,820 | 33,474 | 29,935 |
| Interest expended | 29,620 | 28,275 | 22,567 | 14,411 | 11,553 | 12,967 | 15,901 | 15,187 |
| Net interest income | 40,161 | 37,394 | 33,669 | 27,740 | 22,187 | 19,853 | 17,573 | 14,748 |
| Other income | 37,782 | 37,407 | 38,037 | 25,830 | 25,142 | 23,884 | 16,826 | 15,969 |
| Operating profit (pre-provision) | 29,525 | 29,045 | 25,836 | 20,086 | 16,720 | 16,428 | 13,980 | 11,621 |
| Provisions | 3,900 | 3,859 | 1,972 | 440 | 772 | 3,260 | 2,558 | 1,045 |
| Profit before tax | 25,993 | 28,989 | 23,863 | 19,646 | 15,948 | 13,168 | 11,422 | 10,576 |
| Net profit | 19,181 | 21,946 | 17,977 | 14,780 | 11,932 | 9,903 | 8,607 | 7,120 |
| EPS (₹) | 19.40 | 111.29 | 91.45 | 74.96 | 60.76 | 50.53 | 44.73 | 37.78 |
| Gross NPA | 1.2% | 1.5% | 1.4% | 1.8% | 2.4% | 3.2% | 2.2% | 1.9% |
| Net NPA | 0.3% | 0.4% | 0.4% | 0.4% | 0.7% | 1.2% | 0.7% | 0.7% |
| Net profit YoY | −12.6% | +22.1% | +21.6% | +23.9% | +20.5% | +15.1% | +20.9% | – |
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 | 41,727 | 16,916 | 15,685 | −1,242 | 8,418 |
| Investing cash flow | −16,519 | −25,272 | −9,097 | −10,550 | −11,084 |
| Financing cash flow | −2,538 | 22,142 | 15,656 | 1,883 | 7,549 |
Net profit trend
annual, ₹ croreFY21
₹9,903
FY22
₹11,932+20%
FY23
₹14,780+24%
FY24
₹17,977+22%
FY25
₹21,946+22%
FY26
₹19,181−13%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Consolidated | 18 Jul 2026 | PDF on NSE XBRL |
| Q1 FY27 | Standalone | 18 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Consolidated · audited | 2 May 2026 | PDF XBRL |
| Q4 FY26 | Standalone · audited | 2 May 2026 | PDF XBRL |
| Q3 FY26 | Consolidated | 24 Jan 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 24 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Consolidated | 25 Oct 2025 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | – | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 25 Oct 2025 | PDF on NSE XBRL |
| Q1 FY26 | Consolidated | 26 Jul 2025 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 19.1×19.8×
P/B5Y avg 2.66×2.22×
ROEFY26, on average equity11.4%
ROAon average assets2.04%
Revenue CAGR (3Y)18.3%
Profit CAGR (3Y)9.1%
EPS (TTM)₹20.41
Market cap₹4.02L Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
2.22×
vs 7-point avg 2.66× (−17%)
1.94× low2.66× avg3.49× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹10.03L Cr+14%
Advances₹5.66L Cr+16%
Deposits₹5.67L Cr+15%
Investments₹2.91L Cr+2%
Borrowings₹95,394 Cr−2%
Net worth₹1.81L Cr+15%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking29.7%result ₹5,653 Cr
Corporate / Wholesale Banking22.6%result ₹8,269 Cr
Insurance22.5%result ₹1,090 Cr
Treasury, BMU and Corporate Centre11.6%result ₹5,723 Cr
Broking4.1%result ₹1,506 Cr
Vehicle Financing3.8%result ₹796 Cr
Asset Management2.9%result ₹2,062 Cr
Other Lending Activities2.0%result ₹652 Cr
Segment revenue as reported, before inter-segment eliminations.