BOM:533344 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	4,706	6,232	7,506	7,666	9,247
Total Interest Expense	2,245	3,211	4,100	4,335	5,772
Net Interest Income	2,461	3,022	3,406	3,331	3,475
Commissions and Fees	41.4	43.2	57.2	207.27	246.89
Other Revenue	398.8	58.4	47.7	38.12	35.04
Revenue Before Loan Losses	2,901	3,123	3,511	3,577	3,757
Provision for Loan Losses	-1,510	7.9	22.4	801.69	1,680
Revenue	4,411	3,115	3,488	2,775	2,077
Revenue Growth (YoY)	41.60%	-10.70%	25.71%	33.63%	37.15%
Salaries & Employee Benefits	230	184.6	205.8	196.33	189.3
Cost of Services Provided	222.3	30.2	36.8	40.53	39.84
Other Operating Expenses	-	91.2	1,172	228.56	180.67
Total Operating Expenses	526.6	371.6	1,479	526.23	470.52
Operating Income	3,885	2,744	2,009	2,249	1,606
Currency Exchange Gain (Loss)	-	-4.3	-4.3	15.45	-25.43
EBT Excluding Unusual Items	3,921	2,785	2,160	2,323	1,739
Other Unusual Items	-24.3	-	-	-	-
Pretax Income	3,897	2,785	2,160	2,324	1,739
Income Tax Expense	703.4	614.7	552.3	565.61	439.27
Net Income	3,194	2,171	1,608	1,758	1,300
Net Income to Common	3,194	2,171	1,608	1,758	1,300
Net Income Growth	47.14%	35.02%	-8.57%	35.25%	407.69%
Shares Outstanding (Basic)	643	642	642	642	642
Shares Outstanding (Diluted)	643	642	642	642	642
Shares Change (YoY)	0.04%	-	-	-	-
EPS (Basic)	4.97	3.38	2.50	2.74	2.02
EPS (Diluted)	4.97	3.38	2.50	2.74	2.02
EPS Growth	47.07%	35.17%	-8.67%	35.51%	406.74%
Free Cash Flow	17,798	11,364	25,624	18,869	27,199
Free Cash Flow Per Share	27.70	17.69	39.90	29.38	42.35
Dividend Per Share	-	-	-	1.000	-
Operating Margin	88.06%	88.07%	57.60%	81.04%	77.34%
Profit Margin	72.40%	69.67%	46.08%	63.36%	62.60%
Free Cash Flow Margin	403.48%	364.78%	734.58%	680.02%	1309.86%
Effective Tax Rate	18.05%	22.07%	25.57%	24.34%	25.26%
Revenue as Reported	5,183	6,380	7,766	7,971	9,688