| (Rs.in Million) |
| Particulars | Mar 2023 | Mar 2022 |
| INCOME : | | |
| Operating Income | 11149.00 | 11497.80 |
| Sale of Shares / Units | | |
| Interest income | 10986.30 | 11353.20 |
| Portfolio management services | | |
| Dividend income | 1.30 | 1.30 |
| Brokerages & commissions | 14.60 | 10.30 |
| Processing fees and other charges | 38.30 | 42.50 |
| Other Operating Income | 108.50 | 90.50 |
| Operating Income (Net) | 11149.00 | 11497.80 |
| EXPENDITURE : | | |
| Increase/Decrease in Stock | | |
| Employee Cost | 599.30 | 482.00 |
| Salaries, Wages & Bonus | 441.40 | 347.60 |
| Contributions to EPF & Pension Funds | 51.50 | 42.30 |
| Workmen and Staff Welfare Expenses | 46.70 | 59.20 |
| Other Employees Cost | 59.70 | 32.90 |
| Operating & Establishment Expenses | 138.40 | 114.60 |
| Depository Charges | | |
| Security Transaction tax | | |
| Software & Technical expenses | | |
| Commission, Brokerage & Discounts | | |
| Rent , Rates & Taxes | 7.80 | 5.20 |
| Repairs and Maintenance | 79.00 | 70.00 |
| Insurance | 43.50 | 33.10 |
| Electricity & Power | 8.10 | 6.30 |
| Other Operating Expenses | 0.00 | 0.00 |
| Administrations & Other Expenses | 292.10 | 226.00 |
| Printing and stationery | 4.20 | 3.50 |
| Professional and legal fees | 242.20 | 178.40 |
| Advertisement & Sales Promotion | 12.20 | 16.80 |
| Other General Expenses | 33.50 | 27.30 |
| Provisions and Contingencies | 1680.60 | 1335.40 |
| Provisions for contingencies | | |
| Provisions against NPAs | | 671.90 |
| Bad debts /advances written off | 1622.80 | 509.80 |
| Provision for doubtful debts | | |
| Losson disposal of fixed assets(net) | | |
| Losson foreign exchange fluctuations | | |
| Losson sale of non-trade current investments | 1.50 | 5.80 |
| Other Miscellaneous Expenses | 56.30 | 147.90 |
| Less: Expenses Capitalised | | |
| Total Expenditure | 2710.40 | 2158.00 |
| Operating Profit (Excl OI) | 8438.60 | 9339.80 |
| Other Income | 1588.60 | 66.20 |
| Other Interest Income | 0.20 | |
| Other Commission | | |
| Discounts | | |
| Profit on sale of Fixed Assets | 42.30 | 16.60 |
| Income from investments | 78.60 | 18.80 |
| Provision Written Back | 1467.50 | 30.80 |
| Others | 0.00 | 0.00 |
| Operating Profit | 10027.20 | 9406.00 |
| Interest | 7029.30 | 7015.50 |
| Loans | 6053.00 | 6363.40 |
| Deposits | | |
| Bonds / Debentures | 956.60 | 632.60 |
| Other Interest | 19.70 | 19.50 |
| Depreciation | 99.40 | 87.10 |
| Profit Before Taxation & Exceptional Items | 2898.50 | 2303.40 |
| Exceptional Income / Expenses | | |
| Profit Before Tax | 2898.50 | 2303.40 |
| Provision for Tax | 766.00 | 568.30 |
| Current Income Tax | 345.00 | 640.00 |
| Deferred Tax | 421.00 | -71.70 |
| Other taxes | 0.00 | 0.00 |
| Profit After Tax | 2132.50 | 1735.10 |
| Extra items | 0.00 | 0.00 |
| Minority Interest | | |
| Share of Associate | | |
| Other Consolidated Items | | |
| Consolidated Net Profit | 2132.50 | 1735.10 |
| Adjustments to PAT | | |
| Profit Balance B/F | 243.40 | 224.20 |
| Appropriations | 2375.90 | 1959.30 |
| General Reserve | 1443.00 | 958.00 |
| Proposed Equity Dividend | | |
| Corporate dividend tax | | |
| Other Appropriation | 932.90 | 1001.30 |
| Equity Dividend % | 45.00 | 45.00 |
| Earnings Per Share | 40.00 | 32.00 |
| Adjusted EPS | 40.00 | 32.00 |