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 FY24 | Q4 FY23 | Q3 FY23 | Q2 FY23 | Q4 FY22 | Q3 FY22 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 8,035 | 7,755 | 7,344 | 7,128 | 7,054 | 6,731 | 6,325 | 6,017 | 5,875 | 5,467 | 5,172 | 5,068 | 4,789 | 4,495 | 4,131 | 3,815 | 3,426 | 3,282 | 3,007 | 2,868 | 2,896 | 2,806 | 3,016 | 2,900 | 2,773 |
| Interest expended | 4,264 | 4,052 | 3,922 | 3,880 | 3,762 | 3,614 | 3,381 | 3,210 | 3,075 | 2,882 | 2,705 | 2,636 | 2,449 | 2,308 | 2,149 | 1,928 | 1,814 | 1,755 | 1,701 | 1,747 | 1,808 | 1,784 | 1,830 | 1,827 | 1,776 |
| Net interest income | 3,770 | 3,703 | 3,423 | 3,248 | 3,292 | 3,117 | 2,944 | 2,807 | 2,799 | 2,585 | 2,466 | 2,432 | 2,340 | 2,187 | 1,981 | 1,887 | 1,612 | 1,527 | 1,306 | 1,121 | 1,088 | 1,023 | 1,186 | 1,074 | 997 |
| Other income | 1,029 | 938 | 933 | 846 | 825 | 981 | 788 | 792 | 894 | 1,022 | 680 | 668 | 629 | 822 | 640 | 503 | 522 | 611 | 571 | 451 | 369 | 392 | 439 | 405 | 427 |
| Operating profit (pre-provision) | 3,118 | 2,947 | 2,736 | 2,575 | 2,570 | 2,520 | 2,303 | 2,202 | 2,295 | 2,210 | 2,012 | 1,921 | 1,864 | 1,855 | 1,581 | 1,462 | 1,179 | 1,163 | 903 | 806 | 710 | 595 | 838 | 761 | 667 |
| Provisions | 840 | 617 | 728 | 756 | 867 | 983 | 841 | 822 | 951 | 942 | 943 | 985 | 776 | 945 | 582 | 579 | 365 | 752 | 498 | 421 | 609 | 910 | 983 | 294 | 921 |
| Profit before tax | 2,277 | 2,330 | 2,008 | 1,819 | 1,703 | 1,537 | 1,463 | 1,380 | 1,344 | 1,268 | 1,070 | 936 | 1,088 | 911 | 999 | 883 | 813 | 410 | 405 | 385 | 101 | −315 | −145 | 468 | −254 |
| Net profit | 2,021 | 2,014 | 1,780 | 1,634 | 1,593 | 1,493 | 1,407 | 1,327 | 1,294 | 1,218 | 1,036 | 920 | 882 | 840 | 775 | 535 | 355 | 325 | 154 | 130 | 101 | 57.6 | 132 | 124 | 89.1 |
| EPS (₹) | 2.63 | 2.66 | 2.34 | 2.17 | 1.96 | 1.94 | 1.84 | 1.88 | 1.83 | 1.74 | 1.47 | 1.30 | 1.29 | 1.25 | 1.15 | 0.79 | 0.53 | 0.46 | 0.23 | 0.23 | 0.18 | 0.10 | 0.23 | 0.20 | 0.15 |
| Gross NPA | 1.5% | 1.5% | 1.6% | 1.7% | 1.7% | 1.7% | 1.8% | 1.8% | 1.8% | 1.9% | 2.0% | 2.2% | 2.3% | 2.5% | 2.9% | 3.4% | 3.9% | 4.7% | 7.7% | 8.8% | 10.9% | 12.8% | 16.8% | 16.9% | 17.9% |
| Net NPA | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.5% | 0.7% | 1.0% | 1.2% | 2.6% | 3.3% | 4.1% | 4.8% | 5.5% | 5.5% | 6.0% |
| Net profit YoY | +26.8% | +34.9% | +26.5% | +23.1% | +23.1% | +22.6% | +35.8% | +44.3% | +46.6% | +45.0% | +33.6% | +71.8% | – | +136.7% | +138.6% | – | – | +110.3% | +17.1% | +5.2% | +13.6% | – | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 | FY20 |
|---|---|---|---|---|---|---|
| Interest earned | 29,282 | 24,948 | 20,495 | 15,899 | 13,019 | 11,496 |
| Interest expended | 15,616 | 13,281 | 10,672 | 8,157 | 6,974 | 7,216 |
| Net interest income | 13,666 | 11,667 | 9,823 | 7,742 | 6,045 | 4,280 |
| Other income | 3,542 | 3,455 | 2,999 | 2,281 | 2,653 | 1,650 |
| Operating profit (pre-provision) | 10,828 | 9,321 | 8,006 | 6,100 | 4,848 | 2,848 |
| Provisions | 2,968 | 3,597 | 3,646 | 2,654 | 2,892 | 3,107 |
| Profit before tax | 7,859 | 5,724 | 4,361 | 3,446 | 1,956 | −259 |
| Net profit | 7,021 | 5,521 | 4,056 | 2,603 | 1,152 | 389 |
| EPS (₹) | 9.12 | 7.48 | 5.80 | 3.87 | 1.73 | 0.69 |
| Gross NPA | 1.5% | 1.7% | 1.9% | 2.5% | 3.9% | 12.8% |
| Net NPA | 0.1% | 0.2% | 0.2% | 0.3% | 1.0% | 4.8% |
| Net profit YoY | +27.2% | +36.1% | +55.8% | +126.0% | – | – |
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 | −11,336 | 7,628 | 11,581 | −1,440 | 6,896 |
| Investing cash flow | −506 | −495 | −260 | −175 | −300 |
| Financing cash flow | −2,607 | 4,750 | 461 | 228 | 378 |
Net profit trend
annual, ₹ croreFY20
₹389
FY22
₹1,152+196%
FY23
₹2,603+126%
FY24
₹4,056+56%
FY25
₹5,521+36%
FY26
₹7,021+27%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Consolidated | 10 Jul 2026 | PDF on NSE XBRL |
| Q1 FY27 | Standalone | 10 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Consolidated · audited | 20 Apr 2026 | PDF on NSE XBRL |
| Q4 FY26 | Standalone · audited | 20 Apr 2026 | PDF on NSE XBRL |
| Q3 FY26 | Consolidated | 13 Jan 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 13 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Consolidated | 14 Oct 2025 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 14 Oct 2025 | PDF on NSE XBRL |
| Q1 FY26 | Consolidated | 15 Jul 2025 | PDF on NSE XBRL |
| Q1 FY26 | Standalone | 15 Jul 2025 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 8.3×8.7×
P/B5Y avg 1.56×1.96×
ROEFY26, on average equity22.7%
ROAon average assets1.76%
Revenue CAGR (3Y)22.6%
Profit CAGR (3Y)39.2%
EPS (TTM)₹9.80
Market cap₹65,286 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
1.96×
vs 6-point avg 1.56× (+26%)
0.91× low1.56× avg2.41× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹4.27L Cr+16%
Advances₹2.88L Cr+22%
Deposits₹3.51L Cr+14%
Investments₹1.02L Cr+24%
Borrowings₹35,234 Cr+48%
Net worth₹33,225 Cr+16%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking Operations44.3%result ₹3,165 Cr
Corporate / Wholesale Banking Operations33.8%result ₹3,094 Cr
Treasury Operations21.3%result ₹1,496 Cr
Other Banking Operations0.6%result ₹100 Cr
Segment revenue as reported, before inter-segment eliminations.