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 | Q3 FY23 | Q2 FY23 | Q3 FY22 | Q2 FY22 | Q1 FY22 | Q3 FY21 | Q2 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 | Q3 FY19 | Q1 FY19 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 6,996 | 6,656 | 6,652 | 6,537 | 6,436 | 6,745 | 6,220 | 6,078 | 6,024 | 5,860 | 5,552 | 5,219 | 5,224 | 4,627 | 4,185 | 3,919 | 3,720 | 3,570 | 3,603 | 3,615 | 3,742 | 3,771 | 3,805 | 3,817 | 3,337 | 3,732 |
| Interest expended | 4,188 | 4,042 | 4,006 | 4,004 | 4,033 | 4,046 | 3,842 | 3,778 | 3,770 | 3,672 | 3,564 | 3,302 | 3,215 | 2,675 | 2,415 | 2,157 | 2,122 | 2,109 | 2,195 | 2,221 | 2,488 | 2,534 | 2,538 | 2,482 | 2,511 | 2,504 |
| Net interest income | 2,808 | 2,614 | 2,646 | 2,533 | 2,403 | 2,698 | 2,378 | 2,300 | 2,254 | 2,187 | 1,988 | 1,917 | 2,009 | 1,952 | 1,770 | 1,763 | 1,598 | 1,460 | 1,407 | 1,393 | 1,255 | 1,237 | 1,266 | 1,335 | 827 | 1,228 |
| Other income | 1,686 | 709 | 869 | 884 | 997 | 1,392 | 1,186 | 993 | 835 | 1,125 | 861 | 647 | 633 | 823 | 780 | 719 | 936 | 970 | 864 | 712 | 769 | 743 | 729 | 630 | 248 | 629 |
| Operating profit (pre-provision) | 2,810 | 1,573 | 1,680 | 1,613 | 1,562 | 1,699 | 1,586 | 1,432 | 1,321 | 1,273 | 1,119 | 982 | 1,202 | 1,354 | 1,190 | 1,340 | 1,334 | 1,286 | 1,334 | 1,330 | 1,217 | 1,211 | 1,207 | 1,201 | 381 | 1,182 |
| Provisions | 235 | 326 | 525 | 588 | 616 | 663 | 590 | 493 | 459 | 467 | 342 | 342 | 856 | 332 | 406 | 549 | 1,019 | 1,127 | 1,299 | 1,300 | 1,200 | 2,171 | 2,099 | 1,803 | 1,400 | 1,807 |
| Profit before tax | 2,575 | 1,247 | 1,155 | 1,025 | 946 | 1,036 | 996 | 939 | 862 | 806 | 777 | 640 | 347 | 1,021 | 784 | 792 | 316 | 159 | 35.4 | 30.1 | 16.8 | −960 | −892 | −601 | −1,018 | −625 |
| Net profit | 656 | 801 | 740 | 620 | 607 | 652 | 639 | 603 | 551 | 526 | 503 | 402 | 223 | 653 | 505 | 310 | 205 | 102 | 35.4 | 30.1 | 16.8 | −960 | −892 | −601 | −999 | −634 |
| EPS (₹) | 0.52 | 0.64 | 0.59 | 0.49 | 0.48 | 0.54 | 0.53 | 0.50 | 0.46 | 0.44 | 0.42 | 0.34 | 0.19 | 0.55 | 0.42 | 0.26 | 0.17 | 0.10 | 0.04 | 0.03 | 0.02 | -1.18 | -1.21 | -0.87 | -2.53 | -2.08 |
| Gross NPA | 2.1% | 2.2% | 2.4% | 2.6% | 2.6% | 2.7% | 2.9% | 3.2% | 3.3% | 3.5% | 3.9% | 4.1% | 4.5% | 5.6% | 6.6% | 8.0% | 9.0% | 9.4% | 9.8% | 11.6% | 16.8% | 19.4% | 21.9% | 24.9% | 27.4% | 25.7% |
| Net NPA | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.5% | 0.6% | 0.7% | 0.8% | 0.9% | 1.0% | 1.1% | 1.2% | 1.7% | 2.0% | 2.8% | 3.4% | 3.9% | 3.0% | 3.6% | 5.5% | 6.3% | 7.3% | 9.0% | 12.5% | 12.7% |
| Net profit YoY | +8.0% | +22.8% | +15.8% | +2.8% | +10.3% | +24.1% | +27.0% | +50.1% | +146.5% | – | −23.0% | −20.4% | – | +110.4% | +145.6% | +775.8% | +582.4% | – | +103.7% | +103.4% | – | +3.9% | – | +5.1% | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY20 |
|---|---|---|---|---|
| Interest earned | 26,281 | 25,067 | 21,854 | 15,134 |
| Interest expended | 16,085 | 15,437 | 13,754 | 10,042 |
| Net interest income | 10,196 | 9,630 | 8,101 | 5,092 |
| Other income | 3,460 | 4,407 | 3,266 | 2,871 |
| Operating profit (pre-provision) | 6,429 | 6,037 | 4,576 | 4,836 |
| Provisions | 2,055 | 2,204 | 2,007 | 7,272 |
| Profit before tax | 4,373 | 3,834 | 2,569 | −2,437 |
| Net profit | 2,768 | 2,445 | 1,654 | −2,437 |
| EPS (₹) | 2.21 | 2.04 | 1.38 | -3.10 |
| Gross NPA | 2.2% | 2.7% | 3.5% | 16.8% |
| Net NPA | 0.3% | 0.5% | 0.9% | 5.5% |
| Net profit YoY | +13.2% | +47.8% | – | – |
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 | 4,373 | 3,834 | 2,569 |
| Investing cash flow | 0 | 0 | 0 |
| Financing cash flow | 0 | 0 | 0 |
Net profit trend
annual, ₹ croreFY20
₹−2,437
FY24
₹1,654+168%
FY25
₹2,445+48%
FY26
₹2,768+13%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Standalone | 22 Jul 2026 | PDF XBRL |
| Q4 FY26 | Standalone · audited | 25 Apr 2026 | PDF XBRL |
| Q3 FY26 | Standalone | 17 Jan 2026 | PDF XBRL |
| Q2 FY26 | Standalone | 17 Oct 2025 | PDF on NSE XBRL |
| Q1 FY26 | Standalone | 21 Jul 2025 | PDF on NSE XBRL |
| Q4 FY25 | Consolidated · audited | 28 Apr 2025 | PDF XBRL |
| Q4 FY25 | Standalone · audited | 28 Apr 2025 | PDF XBRL |
| Q3 FY25 | Consolidated | 21 Jan 2025 | PDF on NSE XBRL |
| Q3 FY25 | Standalone | 21 Jan 2025 | PDF on NSE XBRL |
| Q2 FY25 | Consolidated | 19 Oct 2024 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 22.7×10.6×
P/B5Y avg 1.53×0.90×
ROEFY26, on average equity8.6%
ROAon average assets0.73%
Revenue CAGR (3Y)20.2%
Profit CAGR (3Y)–
EPS (TTM)₹2.25
Market cap₹29,970 Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
0.90×
vs 7-point avg 1.53× (−41%)
0.61× low1.53× avg2.39× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹3.96L Cr+9%
Advances₹2.58L Cr+20%
Deposits₹3.28L Cr+12%
Investments₹98,777 Cr+5%
Borrowings₹23,310 Cr−19%
Net worth₹33,249 Cr+7%
Change vs the same date a year earlier.
Revenue mix FY26
CORPORATE BANKING OPERATIONS36.9%result ₹1,001 Cr
RETAIL BANKING OPERATIONS35.9%result ₹967 Cr
TREASURY OPERATIONS27.0%result ₹2,344 Cr
OTHER BANKING OPERATIONS0.2%result ₹61.7 Cr
Segment revenue as reported, before inter-segment eliminations.