| Particulars | Mar 2024
Rs.Cr | Dec 2023
Rs.Cr | Sep 2023
Rs.Cr |
| Operating Income | 5420.24 | 4959.71 | 4434.95 |
| Total Income | 5492.08 | 5018.69 | 4571.89 |
| Interest | 2579.34 | 2438.98 | 2205.20 |
| Employee Expenses | 765.80 | 666.65 | 570.24 |
| Selling & Administrative Expenses | 0.00 | 0.00 | 0.00 |
| Impairment of Assets | 0.00 | 0.00 | 0.00 |
| Loss on Forex Transaction | 0.00 | 0.00 | 0.00 |
| Other Expenses | 444.64 | 352.10 | 337.92 |
| TOTAL OPERATING EXPENDITURE | 3789.78 | 3457.73 | 3113.36 |
| Operating Profit Before Prov. & Cont. | 1702.30 | 1560.96 | 1458.53 |
| Provisions & Write Offs | 190.83 | 358.82 | 399.81 |
| Depreciation | 74.55 | 45.24 | 37.97 |
| TOTAL EXPENDITURE | 4055.16 | 3861.79 | 3551.14 |
| Tax | 263.39 | 357.60 | 290.93 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 |
| Deferred Tax | 115.43 | -76.86 | -32.67 |
| Reported Profit After Tax | 1058.10 | 876.16 | 762.49 |
| Extra-ordinary Items | 0.00 | 0.00 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 1058.10 | 876.16 | 762.49 |
| | | | |
| EPS (Unit Curr.) | 12.60 | 10.45 | 9.27 |
| EPS (Adj) (Unit Curr.) | 12.60 | 10.45 | 9.27 |
| Calculated EPS (Unit Curr.) | 12.59 | 10.43 | 9.27 |
| Calculated EPS (Adj) (Unit Curr.) | 12.59 | 10.43 | 9.27 |
| Calculated EPS (Ann.) (Unit Curr.) | 50.37 | 41.72 | 37.07 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 50.37 | 41.72 | 37.07 |
| Book Value (Unit Curr.) | 0.00 | 0.00 | 0.00 |
| Dividend (%) | 0.00 | 65.00 | 0.00 |
| Equity | 168.06 | 168.00 | 164.57 |
| Reserve & Surplus | 0.00 | 0.00 | 0.00 |
| Face Value | 2.00 | 2.00 | 2.00 |
| | | | |
| Public Shareholding (No. Of Shares) | 0.00 | 0.00 | 0.00 |
| Public Shareholding (% in Equity) | 0.00 | 0.00 | 0.00 |
| | | | |
| Pledged/Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 |
| Pledged/Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 |
| | | | |
| Non Encumbered - No. of Shares | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Promoters Holding | 0.00 | 0.00 | 0.00 |
| Non Encumbered - % in Total Equity | 0.00 | 0.00 | 0.00 |
| | | | |
| PBIDTM(%) | 75.47 | 73.41 | 73.60 |
| PBDTM(%) | 27.89 | 24.24 | 23.87 |
| PATM(%) | 19.52 | 17.67 | 17.19 |
| | | | |
| Net Interest Income | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 0.00 | 0.00 | 0.00 |
| Loan Losses & Provision | 191.00 | 0.00 | 0.00 |
| Assets Under Management | 153718.00 | 133794.00 | 124246.00 |
| | | | |
| Return on Equity(%) | 22.30 | 20.30 | 19.70 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 41.80 | 41.20 | 47.30 |
| Loan Loss Provision Ratio | 0.00 | 0.00 | 1.30 |
| Loans Spreads(%) | 0.00 | 0.00 | 0.00 |
| Net Interest Margin(%) | 7.80 | 7.40 | 7.40 |
| Provision Coverage Ratio(%) | 35.18 | 35.58 | 37.43 |
| Capital Adequacy Ratio | 18.57 | 19.37 | 16.62 |
| Tier I Capital | 15.10 | 15.55 | 14.66 |
| Tier II Capital | 3.47 | 3.82 | 1.96 |
| | | | |
| Gross Non Performing Assets | 0.00 | 0.00 | 0.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 3.54 | 3.92 | 4.07 |
| (%) Net Non Performing Assets | 2.32 | 2.56 | 2.59 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 |
| Return on Assets | 3.90 | 3.30 | 3.20 |
| Loans Disbursed(Amt Rs cr) | 24784.00 | 22383.00 | 21542.00 |
| Loans Sanctioned/Approved(Amt Rs cr) | 0.00 | 0.00 | 0.00 |
| Loan Book(Amt Rs cr) | 0.00 | 0.00 | 0.00 |