| Particulars | Mar 2025
Rs.Cr | Dec 2024
Rs.Cr | Sep 2024
Rs.Cr |
| Operating Income | 11454.23 | 10698.31 | 10089.54 |
| Total Income | 11460.25 | 12362.24 | 10096.68 |
| Interest | 5223.99 | 4751.26 | 4350.42 |
| Employee Expenses | 905.73 | 970.41 | 906.67 |
| 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 | 824.20 | 736.90 | 694.21 |
| TOTAL OPERATING EXPENDITURE | 6953.92 | 6458.57 | 5951.30 |
| Operating Profit Before Prov. & Cont. | 4506.33 | 5903.67 | 4145.38 |
| Provisions & Write Offs | 1563.29 | 1325.83 | 1234.99 |
| Depreciation | 171.06 | 161.92 | 158.86 |
| TOTAL EXPENDITURE | 8688.27 | 7946.32 | 7345.15 |
| Tax | 498.00 | 1282.40 | 815.19 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 |
| Deferred Tax | 134.59 | -436.24 | -134.92 |
| Reported Profit After Tax | 2139.39 | 3569.76 | 2071.26 |
| Extra-ordinary Items | 0.00 | 1175.64 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 2139.39 | 2394.12 | 2071.26 |
| | | | |
| EPS (Unit Curr.) | 11.38 | 94.95 | 55.09 |
| EPS (Adj) (Unit Curr.) | 11.38 | 18.99 | 11.02 |
| Calculated EPS (Unit Curr.) | 11.38 | 94.93 | 55.09 |
| Calculated EPS (Adj) (Unit Curr.) | 11.38 | 18.99 | 11.02 |
| Calculated EPS (Ann.) (Unit Curr.) | 45.51 | 379.70 | 220.35 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 45.51 | 75.94 | 44.07 |
| Book Value (Unit Curr.) | 299.30 | 292.47 | 277.32 |
| Dividend (%) | 0.00 | 125.00 | 220.00 |
| Equity | 376.08 | 376.06 | 375.99 |
| Reserve & Surplus | 0.00 | 0.00 | 51759.62 |
| Face Value | 2.00 | 10.00 | 10.00 |
| | | | |
| 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(%) | 71.30 | 87.20 | 71.96 |
| PBDTM(%) | 25.69 | 42.79 | 28.85 |
| PATM(%) | 18.68 | 33.37 | 20.53 |
| | | | |
| Net Interest Income | 6051.19 | 5822.69 | 5606.74 |
| Operating Expenses | 939.83 | 865.35 | 802.95 |
| Loan Losses & Provision | 1563.29 | 1325.83 | 1264.99 |
| Assets Under Management | 263190.27 | 254469.69 | 243042.55 |
| | | | |
| Return on Equity(%) | 15.59 | 15.41 | 16.00 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 27.65 | 28.59 | 27.95 |
| Loan Loss Provision Ratio | 0.00 | 0.00 | 0.00 |
| Loans Spreads(%) | 0.00 | 0.00 | 0.00 |
| Net Interest Margin(%) | 8.25 | 8.48 | 8.74 |
| Provision Coverage Ratio(%) | 43.28 | 51.64 | 51.70 |
| Capital Adequacy Ratio | 20.66 | 21.00 | 20.16 |
| Tier I Capital | 20.03 | 20.34 | 19.36 |
| Tier II Capital | 0.63 | 0.66 | 0.80 |
| | | | |
| Gross Non Performing Assets | 0.00 | 0.00 | 0.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 4.55 | 5.38 | 5.32 |
| (%) Net Non Performing Assets | 2.64 | 2.68 | 2.64 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 |
| Return on Assets | 2.87 | 4.94 | 3.06 |
| Loans Disbursed(Amt Rs cr) | 0.00 | 0.00 | 0.00 |
| Loans Sanctioned/Approved(Amt Rs cr) | 0.00 | 0.00 | 0.00 |
| Loan Book(Amt Rs cr) | 259915.91 | 251167.80 | 239822.53 |