BOM:543257 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	86,082	77,204	88,246	75,478	72,957	39,439
Total Interest Expense	194,605	204,783	200,878	174,278	140,580	112,225
Net Interest Income	-108,523	-127,579	-112,631	-98,800	-67,623	-72,786
Other Revenue	181,248	194,358	178,313	162,149	130,059	118,270
Revenue Before Loan Losses	72,725	66,778	65,682	63,349	62,436	45,484
Provision for Loan Losses	726.4	6.8	-39.3	-29.09	4.61	27.15
Revenue	71,999	66,772	65,721	63,378	62,432	45,457
Revenue Growth (YoY)	7.41%	1.60%	3.70%	1.52%	37.34%	39.17%
Salaries & Employee Benefits	189	135.1	111.7	130.99	107.48	78.47
Cost of Services Provided	71.1	50.4	52.4	38.71	40.63	23.07
Other Operating Expenses	1,619	1,515	1,341	1,396	1,242	1,149
Total Operating Expenses	1,933	1,754	1,600	1,707	1,530	1,295
Operating Income	70,065	65,018	64,121	61,672	60,902	44,162
Currency Exchange Gain (Loss)	2.4	2.4	0.1	0.1	-0.15	-0.12
EBT Excluding Unusual Items	70,068	65,020	64,122	61,672	60,902	44,162
Pretax Income	70,067	65,020	64,121	61,672	60,902	44,161
Income Tax Expense	-	-	-	-	3.19	-
Net Income	70,067	65,020	64,121	61,672	60,898	44,161
Net Income to Common	70,067	65,020	64,121	61,672	60,898	44,161
Net Income Growth	7.18%	1.40%	3.97%	1.27%	37.90%	38.35%
Shares Outstanding (Basic)	13,084	13,069	13,069	13,069	13,069	12,082
Shares Outstanding (Diluted)	13,084	13,069	13,069	13,069	13,069	12,082
Shares Change (YoY)	0.20%	-	-	-	8.16%	28.62%
EPS (Basic)	5.36	4.98	4.91	4.72	4.66	3.66
EPS (Diluted)	5.36	4.98	4.91	4.72	4.66	3.66
EPS Growth	6.96%	1.40%	3.97%	1.27%	27.49%	7.57%
Free Cash Flow	-100,152	82,288	79,058	-285,891	-644,189	-899,075
Free Cash Flow Per Share	-7.66	6.30	6.05	-21.88	-49.29	-74.41
Dividend Per Share	-	1.600	1.500	1.500	1.400	1.050
Dividend Growth	-	6.67%	-	7.14%	33.33%	98.11%
Operating Margin	97.31%	97.37%	97.57%	97.31%	97.55%	97.15%
Profit Margin	97.32%	97.38%	97.57%	97.31%	97.54%	97.15%
Free Cash Flow Margin	-139.10%	123.24%	120.29%	-451.09%	-1031.83%	-1977.88%
Effective Tax Rate	-	-	-	-	0.01%	-
Revenue as Reported	267,332	271,564	266,559	237,628	203,016	157,709

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