BOM:526506 Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	212.08	143.1	127.17	71.78	80.13	80.39
Total Interest Expense	37.01	36.54	29.64	27.72	28.54	30.99
Net Interest Income	175.08	106.56	97.53	44.06	51.59	49.4
Commissions and Fees	1,393	1,251	1,083	644.6	768	467.13
Gain (Loss) on Sale of Investments	285.24	285.24	86.68	7.62	1.18	0
Other Revenue	-73.21	9.35	162.79	14.94	45.23	9.1
Revenue Before Loan Losses	1,780	1,652	1,430	711.21	866	525.63
Provision for Loan Losses	0.25	-0.02	-25.66	20.32	33.93	18.41
Revenue	1,780	1,652	1,455	690.89	832.07	507.22
Revenue Growth (YoY)	6.25%	13.52%	110.63%	-16.97%	64.05%	16.40%
Salaries & Employee Benefits	608.11	480.64	437.15	341.13	335.5	268.56
Cost of Services Provided	21.39	21.39	17.02	14.55	15.21	10.58
Other Operating Expenses	720.21	541.84	299.14	266.81	242.36	206.81
Total Operating Expenses	1,389	1,076	772.56	628.56	599.7	496.44
Operating Income	390.93	576.24	682.66	62.33	232.38	10.78
Earnings From Equity Investments	-0.03	-0.13	-0.02	-0.02	-0.92	-0.23
Currency Exchange Gain (Loss)	-	-	-0.02	-0.05	0.06	0.22
EBT Excluding Unusual Items	385.72	570.93	681.37	56.88	231.52	10.77
Gain (Loss) on Sale of Investments	-	-	-	-	2.03	-0.17
Other Unusual Items	-3.09	-	-	-	-	-
Pretax Income	382.61	570.92	677.27	57.62	233.58	10.7
Income Tax Expense	93.34	113.3	143.81	6.8	58.61	-2.46
Earnings From Continuing Ops.	289.27	457.61	533.46	50.82	174.97	13.16
Minority Interest in Earnings	0.14	-	-	-	-	-
Net Income	289.42	457.61	533.46	50.82	174.97	13.16
Net Income to Common	289.42	457.61	533.46	50.82	174.97	13.16
Net Income Growth	-55.92%	-14.22%	949.65%	-70.95%	1229.16%	-
Shares Outstanding (Basic)	136	132	130	130	130	130
Shares Outstanding (Diluted)	136	132	130	130	130	130
Shares Change (YoY)	4.40%	1.96%	-	-	-	-
EPS (Basic)	2.12	3.46	4.11	0.39	1.35	0.10
EPS (Diluted)	2.12	3.46	4.11	0.39	1.35	0.10
EPS Growth	-57.77%	-15.87%	949.65%	-70.95%	1234.63%	-
Free Cash Flow	-	-229.03	752.43	-155.69	498.7	177.01
Free Cash Flow Per Share	-	-1.73	5.80	-1.20	3.84	1.36
Dividend Per Share	-	0.100	0.100	-	0.100	-
Operating Margin	21.96%	34.88%	46.91%	9.02%	27.93%	2.13%
Profit Margin	16.26%	27.70%	36.66%	7.36%	21.03%	2.60%
Free Cash Flow Margin	-	-13.86%	51.71%	-22.53%	59.94%	34.90%
Effective Tax Rate	24.39%	19.85%	21.23%	11.80%	25.09%	-
Revenue as Reported	1,576	1,689	1,485	787.74	909.36	557.47

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.