BOM:543066 Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	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	98,497	99,011	93,473	79,271	61,530	48,660
Total Interest Expense	30,305	30,716	31,784	25,893	16,439	10,263
Net Interest Income	68,193	68,296	61,689	53,378	45,091	38,397
Commissions and Fees	95,492	91,662	80,029	81,647	66,042	52,266
Gain (Loss) on Sale of Investments	16.7	16.7	-	-	4.8	4
Other Revenue	8,438	8,323	7,220	8,766	9,095	5,847
Revenue Before Loan Losses	172,140	168,297	148,938	143,791	120,233	96,513
Provision for Loan Losses	40,837	49,620	48,715	32,865	21,554	22,550
Revenue	131,303	118,678	100,223	110,926	98,679	73,963
Revenue Growth	22.36%	18.41%	-9.65%	12.41%	33.42%	-5.67%
Salaries & Employee Benefits	7,294	6,610	5,896	5,697	5,619	4,727
Cost of Services Provided	95,669	89,632	72,702	76,026	67,227	52,231
Other Operating Expenses	-6,870	-6,937	-5,602	-4,910	-5,985	-5,068
Total Operating Expenses	97,386	90,667	74,464	78,781	68,499	53,376
Operating Income	33,918	28,010	25,759	32,145	30,180	20,588
Currency Exchange Gain (Loss)	26.4	26.4	23.6	-	90.4	30.1
EBT Excluding Unusual Items	33,945	28,038	25,783	32,317	30,303	21,714
Other Unusual Items	1,093	1,093	24.1	0.6	0.9	7.5
Pretax Income	35,039	29,132	25,807	32,318	30,306	21,722
Income Tax Expense	8,959	7,465	6,643	8,239	7,721	5,560
Net Income	26,080	21,667	19,164	24,079	22,585	16,161
Net Income to Common	26,080	21,667	19,164	24,079	22,585	16,161
Net Income Growth	35.96%	13.06%	-20.41%	6.62%	39.75%	64.16%
Shares Outstanding (Basic)	952	952	951	948	944	942
Shares Outstanding (Diluted)	952	952	952	949	949	949
Shares Change	0.06%	-0.02%	0.27%	0.02%	-0.03%	0.07%
EPS (Basic)	27.40	22.77	20.15	25.39	23.92	17.16
EPS (Diluted)	27.40	22.77	20.14	25.37	23.80	17.02
EPS Growth	35.86%	13.06%	-20.61%	6.60%	39.84%	63.97%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	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
Free Cash Flow	36,556	4,594	-21,962	-57,279	-67,639	-44,914
Free Cash Flow Per Share	38.40	4.83	-23.07	-60.34	-71.27	-47.31
Dividend Per Share	-	2.500	2.500	2.500	2.500	2.500
Dividend Growth	-	0%	0%	0%	0%	-
Operating Margin	25.83%	23.60%	25.70%	28.98%	30.58%	27.83%
Profit Margin	19.86%	18.26%	19.12%	21.71%	22.89%	21.85%
Free Cash Flow Margin	27.84%	3.87%	-21.91%	-51.64%	-68.55%	-60.72%
Effective Tax Rate	25.57%	25.62%	25.74%	25.49%	25.48%	25.60%
Revenue as Reported	210,441	207,076	186,372	174,835	142,857	113,015