BOM:540530 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	131,043	102,077	76,591	69,835	68,881
Total Interest Expense	89,307	67,460	49,600	45,038	45,325
Net Interest Income	41,737	34,617	26,991	24,797	23,556
Commissions and Fees	-	-	6.4	26.6	25.7
Other Revenue	2,228	1,393	2,697	997.1	1,065
Revenue Before Loan Losses	43,964	36,010	29,694	25,820	24,646
Provision for Loan Losses	-1,916	-4,105	-2,081	-736.9	-2,457
Revenue	45,880	40,115	31,775	26,557	27,103
Revenue Growth (YoY)	14.37%	26.25%	19.65%	-2.01%	4.99%
Salaries & Employee Benefits	2,681	2,300	2,325	1,866	2,181
Cost of Services Provided	612.1	754.2	662.8	645	655.5
Other Operating Expenses	10,248	586.1	432.2	1,009	732.5
Total Operating Expenses	13,666	3,747	3,519	3,633	3,648
Operating Income	32,214	36,368	28,257	22,924	23,455
Earnings From Equity Investments	-	-	-0.5	-1.9	-1.9
Currency Exchange Gain (Loss)	-	-14.5	-8.3	-32.6	3.8
EBT Excluding Unusual Items	32,214	36,355	28,248	22,892	23,458
Gain (Loss) on Sale of Investments	-	6.3	109.5	-	-
Pretax Income	32,214	36,367	28,434	22,892	23,458
Income Tax Expense	-8,129	9,275	7,267	5,878	6,293
Net Income	40,344	27,091	21,167	17,014	17,164
Net Income to Common	40,344	27,091	21,167	17,014	17,164
Net Income Growth	48.92%	27.99%	24.41%	-0.87%	8.74%
Shares Outstanding (Basic)	2,002	2,002	2,002	2,002	2,002
Shares Outstanding (Diluted)	2,002	2,002	2,002	2,002	2,002
Shares Change (YoY)	0.01%	-	-	-	-
EPS (Basic)	20.15	13.53	10.57	8.50	8.57
EPS (Diluted)	20.15	13.53	10.57	8.50	8.57
EPS Growth	48.93%	28.00%	24.37%	-0.83%	8.69%
Free Cash Flow	-339,338	-316,244	-102,909	-8,529	-8,123
Free Cash Flow Per Share	-169.49	-157.97	-51.41	-4.26	-4.06
Dividend Per Share	4.800	4.150	4.150	3.850	3.500
Dividend Growth	15.66%	-	7.79%	10.00%	60.92%
Operating Margin	70.21%	90.66%	88.93%	86.32%	86.54%
Profit Margin	87.93%	67.53%	66.62%	64.07%	63.33%
Free Cash Flow Margin	-739.61%	-788.35%	-323.87%	-32.12%	-29.97%
Effective Tax Rate	-	25.50%	25.56%	25.68%	26.83%
Revenue as Reported	133,271	103,484	79,481	70,862	69,977