BOM:544026 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	79,039	65,763	48,224	33,738	27,132	25,652
Total Interest Expense	47,530	41,411	31,641	20,884	15,873	14,393
Net Interest Income	31,509	24,353	16,583	12,854	11,260	11,259
Commissions and Fees	751.7	957.1	600.2	373.33	1,064	337.73
Other Revenue	493.2	415.4	192.4	718.85	545.47	151.85
Revenue Before Loan Losses	32,754	25,725	17,376	13,946	12,869	11,749
Provision for Loan Losses	6,912	2,372	-672.2	665.79	1,799	3,416
Revenue	25,841	23,353	18,048	13,280	11,070	8,333
Revenue Growth (YoY)	15.44%	29.39%	35.90%	19.97%	32.85%	66.49%
Salaries & Employee Benefits	976.3	816.6	713.2	630.93	588.18	473.6
Cost of Services Provided	446.8	400.4	393.4	69.74	95.06	228.12
Other Operating Expenses	727	393.7	-55.5	711.86	1,357	1,010
Total Operating Expenses	2,572	1,999	1,355	1,648	2,273	1,939
Operating Income	23,270	21,353	16,693	11,633	8,797	6,394
Earnings From Equity Investments	-	-	-	-	-	-0.25
Currency Exchange Gain (Loss)	-88.5	-416.1	165.3	-240.26	-458.9	-698.47
EBT Excluding Unusual Items	23,490	21,041	16,859	11,392	8,338	5,695
Pretax Income	23,481	21,035	16,853	11,392	8,338	5,695
Income Tax Expense	4,652	4,052	4,330	2,746	2,003	2,231
Net Income	18,829	16,983	12,522	8,646	6,335	3,464
Net Income to Common	18,829	16,983	12,522	8,646	6,335	3,464
Net Income Growth	22.73%	35.62%	44.83%	36.48%	82.90%	61.40%
Shares Outstanding (Basic)	2,755	2,687	2,427	2,287	789	785
Shares Outstanding (Diluted)	2,755	2,687	2,427	2,287	789	785
Shares Change (YoY)	2.49%	10.73%	6.10%	189.93%	0.55%	-
EPS (Basic)	6.83	6.32	5.16	3.78	8.03	4.41
EPS (Diluted)	6.83	6.32	5.16	3.78	8.03	4.41
EPS Growth	19.80%	22.48%	36.51%	-52.93%	82.09%	61.22%
Free Cash Flow	-168,830	-144,853	-111,184	-123,587	-52,622	-32,085
Free Cash Flow Per Share	-61.28	-53.90	-45.81	-54.03	-66.70	-40.89
Operating Margin	90.05%	91.44%	92.49%	87.59%	79.47%	76.73%
Profit Margin	72.86%	72.73%	69.38%	65.11%	57.23%	41.57%
Free Cash Flow Margin	-653.34%	-620.28%	-616.05%	-930.61%	-475.36%	-385.06%
Effective Tax Rate	19.81%	19.26%	25.69%	24.10%	24.02%	39.18%
Revenue as Reported	80,732	67,557	49,653	34,830	28,742	26,586

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