BOM:540530 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	123,699	102,077	76,591	69,835	68,881	71,761
Total Interest Expense	83,752	67,460	49,600	45,038	45,325	47,647
Net Interest Income	39,947	34,617	26,991	24,797	23,556	24,114
Commissions and Fees	-	-	6.4	26.6	25.7	63.9
Other Revenue	1,856	1,393	2,697	997.1	1,065	900
Revenue Before Loan Losses	41,804	36,010	29,694	25,820	24,646	25,078
Provision for Loan Losses	-3,395	-4,105	-2,081	-736.9	-2,457	-736.3
Revenue	45,198	40,115	31,775	26,557	27,103	25,814
Revenue Growth (YoY)	15.65%	26.25%	19.65%	-2.01%	4.99%	0.49%
Salaries & Employee Benefits	2,725	2,300	2,325	1,866	2,181	2,063
Cost of Services Provided	837.9	754.2	662.8	645	655.5	1,033
Other Operating Expenses	5,305	586.1	432.2	1,009	732.5	415
Total Operating Expenses	8,990	3,747	3,519	3,633	3,648	3,580
Operating Income	36,208	36,368	28,257	22,924	23,455	22,234
Earnings From Equity Investments	-	-	-0.5	-1.9	-1.9	-0.8
Currency Exchange Gain (Loss)	-14.5	-14.5	-8.3	-32.6	3.8	49.4
EBT Excluding Unusual Items	36,195	36,355	28,248	22,892	23,458	22,286
Gain (Loss) on Sale of Investments	6.3	6.3	109.5	-	-	-
Pretax Income	36,207	36,367	28,434	22,892	23,458	22,286
Income Tax Expense	8,399	9,275	7,267	5,878	6,293	6,501
Net Income	27,808	27,091	21,167	17,014	17,164	15,785
Net Income to Common	27,808	27,091	21,167	17,014	17,164	15,785
Net Income Growth	3.70%	27.99%	24.41%	-0.87%	8.74%	-7.59%
Shares Outstanding (Basic)	2,002	2,002	2,002	2,002	2,002	2,002
Shares Outstanding (Diluted)	2,002	2,002	2,002	2,002	2,002	2,002
EPS (Basic)	13.89	13.53	10.57	8.50	8.57	7.89
EPS (Diluted)	13.89	13.53	10.57	8.50	8.57	7.89
EPS Growth	3.75%	28.00%	24.37%	-0.83%	8.69%	-7.56%
Free Cash Flow	-	-316,244	-102,909	-8,529	-8,123	21,501
Free Cash Flow Per Share	-	-157.97	-51.41	-4.26	-4.06	10.74
Dividend Per Share	4.350	4.150	4.150	3.850	3.500	2.175
Dividend Growth	-24.35%	-	7.79%	10.00%	60.92%	-29.84%
Operating Margin	80.11%	90.66%	88.93%	86.32%	86.54%	86.13%
Profit Margin	61.52%	67.53%	66.62%	64.07%	63.33%	61.15%
Free Cash Flow Margin	-	-788.35%	-323.87%	-32.12%	-29.97%	83.29%
Effective Tax Rate	23.20%	25.50%	25.56%	25.68%	26.83%	29.17%
Revenue as Reported	125,570	103,484	79,481	70,862	69,977	72,777

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