India Home Loan 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	147.97	129.39	115.42	214.81	287.85
Total Interest Expense	72.76	76.07	94.87	128.34	160.98
Net Interest Income	75.21	53.32	20.55	86.47	126.87
Commissions and Fees	-	6.63	4.2	7.29	10.05
Other Revenue	0.16	0.47	0.71	9.78	4.5
Revenue Before Loan Losses	75.36	60.42	25.45	103.54	141.42
Provision for Loan Losses	-0.13	1.91	-17.18	-16.66	20.44
Revenue	75.49	58.5	42.63	120.2	120.98
Revenue Growth (YoY)	29.05%	37.22%	-64.53%	-0.65%	46.06%
Salaries & Employee Benefits	31.93	27.73	28.15	33.17	31.76
Cost of Services Provided	-	2.4	3.78	2.34	3.3
Other Operating Expenses	39.49	22.86	42.34	69.21	40.95
Total Operating Expenses	73.76	55.29	76.15	110.34	81.34
Operating Income	1.73	3.21	-33.52	9.86	39.64
EBT Excluding Unusual Items	1.73	3.21	-33.52	9.86	39.64
Pretax Income	1.73	3.47	-33.69	9.86	39.64
Income Tax Expense	0.77	0.74	0.75	3.8	20.49
Net Income	0.96	2.73	-34.45	6.05	19.16
Net Income to Common	0.96	2.73	-34.45	6.05	19.16
Net Income Growth	-64.66%	-	-	-68.39%	70.72%
Shares Outstanding (Basic)	14	14	14	14	14
Shares Outstanding (Diluted)	14	14	14	14	14
Shares Change (YoY)	-3.57%	-	-	-	-
EPS (Basic)	0.07	0.19	-2.41	0.42	1.34
EPS (Diluted)	0.07	0.19	-2.41	0.42	1.34
EPS Growth	-63.16%	-	-	-68.66%	70.56%
Free Cash Flow	39.49	117.76	309.05	344.8	400.09
Free Cash Flow Per Share	2.87	8.25	21.64	24.14	28.01
Operating Margin	2.30%	5.49%	-78.61%	8.20%	32.77%
Profit Margin	1.28%	4.66%	-80.79%	5.04%	15.83%
Free Cash Flow Margin	52.31%	201.30%	724.89%	286.86%	330.71%
Effective Tax Rate	44.41%	21.39%	-	38.58%	51.68%
Revenue as Reported	148.12	136.88	121.12	231.87	304.87