| Particulars | Mar 2024
Rs.Cr | Dec 2023
Rs.Cr | Sep 2023
Rs.Cr |
| Operating Income | 9483.71 | 8922.39 | 8555.50 |
| Total Income | 9497.85 | 8927.30 | 8564.45 |
| Interest | 3989.83 | 3706.89 | 3621.86 |
| Employee Expenses | 824.91 | 809.91 | 790.38 |
| 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 | 624.04 | 574.47 | 534.60 |
| TOTAL OPERATING EXPENDITURE | 5438.78 | 5091.27 | 4946.84 |
| Operating Profit Before Prov. & Cont. | 4059.07 | 3836.03 | 3617.61 |
| Provisions & Write Offs | 1261.48 | 1249.70 | 1128.55 |
| Depreciation | 153.47 | 146.71 | 136.78 |
| TOTAL EXPENDITURE | 6853.73 | 6487.68 | 6212.17 |
| Tax | 1001.68 | 871.50 | 808.81 |
| Fringe Benefit Tax | 0.00 | 0.00 | 0.00 |
| Deferred Tax | -303.43 | -250.21 | -207.37 |
| Reported Profit After Tax | 1945.87 | 1818.33 | 1750.84 |
| Extra-ordinary Items | 0.00 | 0.00 | 0.00 |
| Adjusted Profit After Extra-ordinary item | 1945.87 | 1818.33 | 1750.84 |
| | | | |
| EPS (Unit Curr.) | 51.79 | 48.42 | 46.67 |
| EPS (Adj) (Unit Curr.) | 51.79 | 48.42 | 46.67 |
| Calculated EPS (Unit Curr.) | 51.78 | 48.41 | 46.65 |
| Calculated EPS (Adj) (Unit Curr.) | 51.78 | 48.41 | 46.65 |
| Calculated EPS (Ann.) (Unit Curr.) | 207.12 | 193.65 | 186.58 |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 207.12 | 193.65 | 186.58 |
| Book Value (Unit Curr.) | 1292.42 | 1252.80 | 1226.46 |
| Dividend (%) | 0.00 | 100.00 | 200.00 |
| Equity | 375.79 | 375.60 | 375.35 |
| Reserve & Surplus | 0.00 | 0.00 | 0.00 |
| Face Value | 10.00 | 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(%) | 71.57 | 70.53 | 71.43 |
| PBDTM(%) | 29.50 | 28.99 | 29.09 |
| PATM(%) | 20.52 | 20.38 | 20.46 |
| | | | |
| Net Interest Income | 5336.06 | 5093.93 | 4818.18 |
| Operating Expenses | 729.18 | 677.01 | 692.50 |
| Loan Losses & Provision | 1261.48 | 1249.70 | 1128.55 |
| Assets Under Management | 224861.98 | 214233.47 | 202640.96 |
| | | | |
| Return on Equity(%) | 16.37 | 15.54 | 15.31 |
| Operating Expenses to Net Interest Income(%) | 0.00 | 0.00 | 0.00 |
| Cost to Income Ratio | 26.68 | 25.14 | 25.68 |
| Loan Loss Provision Ratio | 0.00 | 0.00 | 0.00 |
| Loans Spreads(%) | 0.00 | 0.00 | 0.00 |
| Net Interest Margin(%) | 9.02 | 8.99 | 8.93 |
| Provision Coverage Ratio(%) | 51.79 | 53.37 | 53.10 |
| Capital Adequacy Ratio | 20.30 | 21.01 | 22.15 |
| Tier I Capital | 19.55 | 20.01 | 21.05 |
| Tier II Capital | 0.75 | 1.00 | 1.10 |
| | | | |
| Gross Non Performing Assets | 0.00 | 0.00 | 0.00 |
| Net Non Performing Assets | 0.00 | 0.00 | 0.00 |
| (%) Gross Non Performing Assets | 5.45 | 5.66 | 5.79 |
| (%) Net Non Performing Assets | 2.70 | 2.72 | 2.80 |
| Return on Assets(Annualised) | 0.00 | 0.00 | 0.00 |
| Return on Assets | 3.19 | 3.11 | 3.12 |
| 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) | 221667.66 | 211056.17 | 199594.70 |