Market cap
₹9,08,754 Cr
Revenue (TTM)
₹5,25,951 Cr
P/E Ratio
10.5
P/B Ratio
1.5
Div. Yield
1.8 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
5,25,950.83
|
5,14,932.59
|
4,90,312.70
|
4,39,188.51
|
3,50,844.58
|
2,89,972.69
|
|||||
|
Other Income
|
1,96,736.17
|
1,97,710.94
|
1,73,030.62
|
1,55,386.39
|
1,22,533.56
|
1,17,000.40
|
|||||
|
Total Income
|
7,22,687.00
|
7,12,643.53
|
6,63,343.32
|
5,94,574.90
|
4,73,378.14
|
4,06,973.09
|
|||||
|
Interest Expended
|
3,18,985.92
|
3,15,004.81
|
3,00,943.34
|
2,59,736.05
|
1,89,980.82
|
1,56,194.34
|
|||||
|
Operating Expenses
|
2,67,600.36
|
2,62,650.45
|
2,36,573.52
|
2,35,893.84
|
1,89,814.49
|
1,74,363.43
|
|||||
|
Operating Profit before Prov. & Cont.
|
1,36,100.72
|
1,34,988.27
|
1,25,826.46
|
98,945.02
|
93,582.84
|
76,415.32
|
|||||
|
Provisions and Contingencies
|
21,444.63
|
20,905.00
|
19,451.00
|
7,714.79
|
18,184.55
|
26,679.74
|
|||||
|
Profit Before Tax
|
1,17,682.66
|
1,14,083.27
|
1,06,375.46
|
91,230.23
|
75,398.29
|
49,735.58
|
|||||
|
Taxes
|
29,561.79
|
28,914.80
|
27,358.31
|
23,091.97
|
18,839.86
|
13,379.41
|
|||||
|
Profit after Tax
|
88,120.87
|
85,168.47
|
79,017.15
|
68,138.26
|
56,558.43
|
36,356.17
|
|||||
|
Minority Interest
|
-3,454.87
|
-3,366.89
|
-2,961.29
|
-2,458.75
|
-2,101.71
|
-1,809.30
|
|||||
|
Share of Associate
|
1,544.31
|
1,497.20
|
1,505.47
|
1,405.15
|
1,191.45
|
827.01
|
|||||
|
Consolidated Profit
|
86,210.31
|
83,298.78
|
77,561.34
|
67,084.67
|
55,648.17
|
35,373.88
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
6,21,939.73
|
5,96,130.87
|
4,87,036.76
|
4,14,939.17
|
3,58,931.32
|
3,05,588.05
|
|||||
|
Minority Interest
|
-3,454.87
|
18,768.28
|
18,025.84
|
15,617.96
|
12,836.62
|
11,207.42
|
|||||
|
Deposits
|
60,73,776.83
|
60,43,097.12
|
54,39,898.02
|
49,66,537.49
|
44,68,535.51
|
40,87,410.60
|
|||||
|
Borrowings
|
8,20,334.04
|
7,77,302.15
|
6,10,857.25
|
6,39,609.50
|
5,21,151.95
|
4,49,159.78
|
|||||
|
Other Liabilities & Provisions
|
8,67,170.93
|
8,86,270.15
|
7,58,367.48
|
6,97,074.68
|
5,92,962.92
|
5,07,517.68
|
|||||
|
Total Liabilities
|
84,03,229.25
|
83,21,568.57
|
73,14,185.34
|
67,33,778.80
|
59,54,418.32
|
53,60,883.53
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
2,12,013.35
|
2,68,681.74
|
2,27,485.16
|
2,25,356.34
|
2,47,321.05
|
3,18,492.43
|
|||||
|
Balances with Banks and Money at Call
|
1,37,493.13
|
1,33,161.47
|
1,30,447.79
|
1,01,215.97
|
70,990.86
|
80,412.69
|
|||||
|
Investments
|
24,00,494.73
|
23,59,502.17
|
22,05,601.11
|
21,10,548.23
|
19,13,107.86
|
17,76,489.90
|
|||||
|
Advances
|
50,95,828.84
|
49,78,013.21
|
42,50,830.74
|
37,84,272.67
|
32,67,902.13
|
27,94,076.00
|
|||||
|
Net Block
|
57,326.63
|
57,152.10
|
46,337.70
|
44,708.18
|
44,407.38
|
39,510.03
|
|||||
|
Other Assets
|
5,00,072.57
|
5,25,057.89
|
4,53,482.86
|
4,67,677.42
|
4,10,689.04
|
3,51,902.48
|
|||||
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Total Assets
|
84,03,229.25
|
83,21,568.57
|
73,14,185.34
|
67,33,778.80
|
59,54,418.32
|
53,60,883.53
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
38,097.39
|
45,484.01
|
21,632.43
|
-86,013.68
|
57,694.85
|
|||||
|
Cash Flow from Investing Activities
|
--
|
-690.89
|
-5,634.74
|
-4,251.72
|
-4,040.97
|
-3,618.51
|
|||||
|
Cash from Financing Activities
|
--
|
-3,427.14
|
-10,736.79
|
-9,896.28
|
6,386.38
|
-3,844.51
|
|||||
|
Net Cash Inflow / Outflow
|
--
|
33,979.37
|
29,112.47
|
7,484.44
|
-83,668.27
|
50,231.82
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
93.40
|
90.24
|
86.91
|
75.17
|
62.35
|
39.64
|
|||||
|
Cash EPS (₹)
|
93.40
|
97.46
|
92.97
|
80.57
|
67.46
|
44.83
|
|||||
|
Adjusted Book Value (₹)
|
636.49
|
608.53
|
515.07
|
434.06
|
371.08
|
316.22
|
|||||
|
Dividend per Share (₹)
|
1.76
|
17.35
|
15.90
|
13.70
|
11.30
|
7.10
|
|||||
|
Cash Flow per Share (₹)
|
--
|
41.27
|
50.96
|
24.24
|
-96.38
|
64.65
|
|||||
|
Free Cash Flow per Share (₹)
|
--
|
11.02
|
30.65
|
17.47
|
-133.51
|
21.43
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.34
|
11.53
|
11.61
|
10.74
|
10.38
|
|||||
|
Yield on Investments
|
--
|
6.39
|
6.50
|
6.22
|
5.85
|
5.62
|
|||||
|
Interest Spread
|
--
|
5.73
|
6.56
|
6.97
|
6.93
|
6.94
|
|||||
|
NIM (%)
|
--
|
2.58
|
2.78
|
2.88
|
2.93
|
2.69
|
|||||
|
ROE (%)
|
13.84
|
16.68
|
18.66
|
18.97
|
18.44
|
13.61
|
|||||
|
ROA (%)
|
1.11
|
1.09
|
1.13
|
1.07
|
1.00
|
0.71
|
|||||
|
Cost to Income Ratio
|
--
|
66.05
|
65.28
|
70.45
|
66.98
|
69.53
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
5.59
|
5.02
|
11.64
|
25.18
|
20.99
|
4.26
|
|||||
|
EBIT Growth (%)
|
-19.77
|
7.28
|
27.17
|
5.73
|
22.47
|
-3.15
|
|||||
|
Net Profit Growth (%)
|
8.59
|
7.78
|
15.97
|
20.47
|
55.57
|
49.74
|
|||||
|
EPS Growth (%)
|
4.93
|
3.84
|
15.62
|
20.55
|
57.31
|
57.88
|
|||||
|
Book Value Growth (%)
|
--
|
22.20
|
18.66
|
16.97
|
17.35
|
12.00
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
10.54
|
10.86
|
8.88
|
10.01
|
8.40
|
12.45
|
|||||
|
Price / Book Value
|
1.55
|
1.61
|
1.50
|
1.73
|
1.41
|
1.56
|
|||||
|
Dividend Yield (%)
|
1.76
|
1.77
|
2.06
|
1.82
|
2.16
|
1.44
|
|||||
|
EV/EBITDA
|
10.41
|
12.46
|
10.33
|
13.25
|
10.56
|
11.64
|
|||||
|
Close Price (₹)
|
1,026.90
|
979.40
|
771.50
|
752.35
|
523.75
|
493.55
|
|||||
|
High Price (₹)
|
1,234.80
|
1,234.80
|
912.10
|
793.50
|
629.65
|
549.05
|
|||||
|
Low Price (₹)
|
786.55
|
730.00
|
679.65
|
506.30
|
430.70
|
321.15
|
|||||
|
Market Cap (₹ Cr)
|
9,08,754.30
|
9,04,427.60
|
6,88,644.19
|
6,71,650.99
|
4,67,381.82
|
4,40,340.34
|