BOM:511243 Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	284,033	237,477	176,271	120,826	95,674
Total Interest Expense	143,841	124,747	92,133	57,333	42,786
Net Interest Income	140,191	112,730	84,138	63,493	52,887
Commissions and Fees	21,142	17,391	13,421	6,507	4,725
Other Revenue	5,556	3,592	1,707	1,511	1,010
Revenue Before Loan Losses	166,890	133,714	99,266	71,511	58,623
Provision for Loan Losses	35,363	24,943	13,176	8,497	8,803
Revenue	131,526	108,771	86,090	63,014	49,819
Revenue Growth (YoY)	20.92%	26.35%	36.62%	26.48%	36.81%
Salaries & Employee Benefits	41,951	33,278	24,786	13,604	9,572
Cost of Services Provided	-	652.6	596	430.8	299.7
Other Operating Expenses	17,006	15,394	12,899	11,616	9,931
Total Operating Expenses	61,796	51,772	40,262	26,861	20,809
Operating Income	69,730	56,998	45,828	36,153	29,010
Earnings From Equity Investments	37.3	27	93.2	-118.2	-53.8
EBT Excluding Unusual Items	69,768	57,434	45,922	36,034	29,023
Gain (Loss) on Sale of Investments	-	28.6	234.3	-	-
Pretax Income	69,768	57,442	46,146	36,028	29,022
Income Tax Expense	17,442	14,815	11,946	9,379	7,487
Earnings From Continuing Ops.	52,326	42,627	34,201	26,649	21,535
Net Income	52,326	42,627	34,201	26,649	21,535
Net Income to Common	52,326	42,627	34,201	26,649	21,535
Net Income Growth	22.75%	24.64%	28.34%	23.74%	41.60%
Shares Outstanding (Basic)	844	840	831	822	821
Shares Outstanding (Diluted)	846	842	833	823	822
Shares Change (YoY)	0.46%	1.14%	1.22%	0.09%	0.13%
EPS (Basic)	61.98	50.72	41.17	32.44	26.24
EPS (Diluted)	61.83	50.60	41.06	32.38	26.19
EPS Growth	22.19%	23.23%	26.81%	23.64%	41.41%
Free Cash Flow	-302,859	-326,127	-367,591	-272,945	-56,672
Free Cash Flow Per Share	-357.87	-387.15	-441.33	-331.68	-68.93
Dividend Per Share	2.000	2.000	2.000	2.000	2.000
Operating Margin	53.02%	52.40%	53.23%	57.37%	58.23%
Profit Margin	39.78%	39.19%	39.73%	42.29%	43.23%
Free Cash Flow Margin	-230.26%	-299.83%	-426.99%	-433.15%	-113.76%
Effective Tax Rate	25.00%	25.79%	25.89%	26.03%	25.80%
Revenue as Reported	315,387	261,528	194,199	131,056	102,318

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.