Quarterly results
consolidated · as filed with NSE · Q1 FY27 back to Q4 FY18
| ₹ 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 | Q1 FY23 | Q4 FY22 | Q2 FY22 | Q1 FY22 | Q4 FY21 | Q3 FY21 | Q2 FY21 | Q1 FY21 | Q4 FY20 | Q3 FY20 | Q2 FY20 | Q1 FY20 | Q4 FY19 | Q4 FY18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 27,427 | 26,676 | 26,819 | 26,665 | 27,475 | 27,869 | 27,135 | 26,887 | 26,527 | 26,510 | 25,521 | 24,732 | 23,613 | 22,163 | 20,966 | 19,778 | 18,256 | 17,028 | 16,851 | 17,279 | 15,622 | 17,220 | 17,913 | 18,556 | 9,363 | 9,688 | 9,468 | 8,960 | 0 | 0 |
| Interest expended | 17,206 | 17,005 | 17,370 | 17,707 | 18,231 | 18,245 | 17,765 | 17,720 | 17,004 | 16,966 | 16,236 | 15,498 | 14,664 | 13,810 | 12,242 | 11,384 | 10,598 | 10,409 | 9,881 | 10,127 | 10,079 | 10,506 | 11,496 | 12,031 | 6,434 | 6,499 | 6,512 | 6,392 | 0 | 0 |
| Net interest income | 10,221 | 9,671 | 9,449 | 8,958 | 9,244 | 9,624 | 9,370 | 9,167 | 9,523 | 9,544 | 9,285 | 9,233 | 8,949 | 8,353 | 8,724 | 8,395 | 7,658 | 6,619 | 6,970 | 7,152 | 5,543 | 6,714 | 6,417 | 6,524 | 2,929 | 3,188 | 2,956 | 2,568 | 0 | 0 |
| Other income | 5,233 | 5,999 | 5,183 | 5,550 | 4,869 | 6,223 | 4,614 | 5,926 | 4,799 | 5,102 | 4,281 | 4,221 | 4,209 | 5,601 | 3,669 | 3,697 | 2,949 | 2,326 | 4,771 | 3,388 | 5,280 | 3,788 | 2,899 | 1,931 | 2,113 | 1,297 | 1,285 | 1,094 | 0 | 0 |
| Operating profit (pre-provision) | 8,040 | 7,976 | 6,960 | 6,845 | 6,936 | 7,735 | 7,511 | 8,145 | 7,811 | 6,534 | 7,335 | 7,265 | 7,185 | 6,869 | 6,647 | 6,595 | 5,448 | 5,555 | 6,049 | 5,299 | 5,205 | 5,332 | 4,740 | 4,069 | 2,655 | 2,419 | 2,272 | 1,898 | 0 | 0 |
| Provisions | 973 | 1,050 | 322 | 1,392 | 1,667 | 1,560 | 1,622 | 1,739 | 2,857 | 1,253 | 1,781 | 1,773 | 2,005 | 2,957 | 3,071 | 4,101 | 3,283 | 3,550 | 3,719 | 3,593 | 3,994 | 5,294 | 4,141 | 3,590 | 3,612 | 1,857 | 3,885 | 1,532 | 0 | 0 |
| Profit before tax | 7,067 | 6,926 | 6,638 | 5,453 | 5,269 | 6,175 | 5,889 | 6,406 | 4,954 | 5,281 | 5,554 | 5,492 | 5,180 | 3,912 | 3,576 | 2,493 | 2,165 | 2,005 | 2,330 | 1,706 | 1,211 | 38.2 | 599 | 479 | −3,468 | 563 | −1,613 | 366 | 0 | 0 |
| Net profit | 5,368 | 5,334 | 5,029 | 4,281 | 4,137 | 5,001 | 4,597 | 4,722 | 3,601 | 3,310 | 3,610 | 3,548 | 3,240 | 2,799 | 2,236 | 1,839 | 1,556 | 1,541 | 1,499 | 1,106 | 1,262 | 710 | 524 | 332 | −2,629 | 553 | −1,189 | 224 | 0 | 0 |
| EPS (₹) | 7.39 | 7.21 | 6.65 | 5.80 | 5.80 | 6.56 | 6.06 | 6.22 | 4.77 | 4.44 | 4.89 | 5.14 | 4.79 | 4.11 | 3.31 | 2.71 | 2.32 | 2.30 | 2.25 | 1.70 | 1.98 | 1.12 | 0.83 | 0.53 | -7.93 | 2.37 | -6.76 | 1.31 | 0.00 | 0.00 |
| Gross NPA | – | – | – | – | – | – | – | – | – | 4.8% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 15.7% |
| Net NPA | – | – | – | – | – | – | – | – | – | 1.0% | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 8.4% |
| Net profit YoY | +29.8% | +6.7% | +9.4% | −9.3% | +14.9% | +51.1% | +27.3% | +33.1% | +11.1% | +18.3% | +61.5% | +92.9% | +108.2% | +81.6% | – | +22.7% | +40.7% | +22.1% | +186.1% | +232.6% | +148.0% | +28.3% | +144.1% | +48.6% | – | – | – | – | – | – |
Annual results
financial years ending March · from the fourth-quarter filings| ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,06,799 | 1,08,417 | 1,00,376 | 81,163 | 68,230 | 69,311 | 37,479 | 34,314 | 32,952 |
| Interest expended | 69,477 | 70,733 | 63,364 | 48,033 | 40,178 | 44,112 | 25,837 | 23,896 | 23,471 |
| Net interest income | 37,322 | 37,684 | 37,012 | 33,130 | 28,051 | 25,199 | 11,642 | 10,418 | 9,481 |
| Other income | 21,601 | 21,562 | 17,813 | 15,915 | 13,524 | 13,899 | 5,789 | 5,042 | 5,462 |
| Operating profit (pre-provision) | 28,716 | 31,202 | 28,319 | 25,558 | 21,873 | 19,347 | 9,244 | 7,603 | 7,592 |
| Provisions | 4,432 | 7,778 | 6,811 | 13,412 | 13,307 | 17,019 | 10,885 | 11,536 | −13,500 |
| Profit before tax | 24,285 | 23,424 | 21,508 | 12,146 | 8,566 | 2,327 | −4,151 | −3,933 | 21,092 |
| Net profit | 18,781 | 17,921 | 13,709 | 8,430 | 5,209 | 2,828 | −3,041 | −2,933 | 22,478 |
| EPS (₹) | 25.45 | 23.62 | 19.15 | 12.45 | 7.77 | 4.47 | -13.45 | -24.87 | -69.45 |
| Gross NPA | – | – | 4.8% | – | – | – | – | 15.0% | 15.7% |
| Net NPA | – | – | 1.0% | – | – | – | – | 6.9% | 8.4% |
| Net profit YoY | +4.8% | +30.7% | +62.6% | +61.9% | +84.2% | +193.0% | −3.7% | −113.1% | – |
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 | −35,798 | 17,479 | 19,930 | 6,111 | 36,339 |
| Investing cash flow | −7,075 | −1,891 | −1,394 | −2,561 | −326 |
| Financing cash flow | 7,729 | −3,550 | −11,489 | −10,654 | −1,018 |
Net profit trend
annual, ₹ croreFY21
₹2,828
FY22
₹5,209+84%
FY23
₹8,430+62%
FY24
₹13,709+63%
FY25
₹17,921+31%
FY26
₹18,781+5%
Result filings
as filed with NSE · PDF and XBRL| Period | Basis | Filed | Documents |
|---|---|---|---|
| Q1 FY27 | Consolidated | 15 Jul 2026 | PDF on NSE XBRL |
| Q1 FY27 | Standalone | 15 Jul 2026 | PDF on NSE XBRL |
| Q4 FY26 | Consolidated · audited | 23 Apr 2026 | PDF XBRL |
| Q4 FY26 | Standalone · audited | 23 Apr 2026 | PDF XBRL |
| Q3 FY26 | Consolidated | – | PDF on NSE XBRL |
| Q3 FY26 | Consolidated | 14 Jan 2026 | PDF on NSE XBRL |
| Q3 FY26 | Standalone | – | PDF on NSE XBRL |
| Q3 FY26 | Standalone | 14 Jan 2026 | PDF on NSE XBRL |
| Q2 FY26 | Consolidated | 30 Oct 2025 | PDF on NSE XBRL |
| Q2 FY26 | Standalone | 30 Oct 2025 | PDF on NSE XBRL |
Annual reports
NSE archiveKey ratios
P/E (TTM)5Y avg 6.8×6.7×
P/B5Y avg 0.86×1.03×
ROEFY26, on average equity15.7%
ROAon average assets1.21%
Revenue CAGR (3Y)9.6%
Profit CAGR (3Y)30.6%
EPS (TTM)₹27.04
Market cap₹1.38L Cr
Computed from the filings and the last close. Market cap uses the latest share count from the balance sheet.
P/B vs history
1.03×
vs 7-point avg 0.86× (+19%)
0.46× low0.86× avg1.20× high
History points are balance-sheet dates (2022 → 2026), priced at the adjusted close on each date.
Balance sheet 31 Mar 2026
Total assets₹15.88L Cr+5%
Advances₹10.57L Cr+11%
Deposits₹13.1L Cr−0%
Investments₹3.44L Cr−5%
Borrowings₹77,798 Cr+183%
Net worth₹1.34L Cr+17%
Change vs the same date a year earlier.
Revenue mix FY26
Retail Banking Operations38.4%result ₹9,251 Cr
Corporate/Wholesale Banking Operation35.8%result ₹6,735 Cr
Treasury Operations24.3%result ₹5,683 Cr
Other Banking Operations1.4%result ₹890 Cr
Segment revenue as reported, before inter-segment eliminations.