BOM:544044 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	12,290	9,434	7,026	5,029	3,736
Total Interest Expense	4,448	3,546	2,883	2,096	1,483
Net Interest Income	7,842	5,888	4,142	2,933	2,253
Commissions and Fees	1,473	1,145	377.89	315.84	200.58
Other Revenue	1,523	1,177	1,209	714.29	660.3
Revenue Before Loan Losses	10,838	8,210	5,729	3,963	3,114
Provision for Loan Losses	-	253.94	193.62	110.76	116.48
Revenue	10,838	7,956	5,535	3,853	2,997
Revenue Growth (YoY)	36.21%	43.73%	43.68%	28.53%	51.67%
Salaries & Employee Benefits	2,978	2,291	1,794	1,346	1,013
Cost of Services Provided	-	95.15	62.3	43.53	26.95
Other Operating Expenses	1,203	564.05	387.93	363.39	223.35
Total Operating Expenses	4,305	3,066	2,344	1,835	1,329
Operating Income	6,533	4,890	3,192	2,018	1,669
EBT Excluding Unusual Items	6,533	4,890	3,192	2,018	1,669
Other Unusual Items	-	2.85	1.17	2.71	1.02
Pretax Income	6,533	4,892	3,192	2,020	1,669
Income Tax Expense	1,501	1,113	715.85	466.1	384.54
Net Income	5,031	3,779	2,476	1,553	1,284
Net Income to Common	5,031	3,779	2,476	1,553	1,284
Net Income Growth	33.15%	52.62%	59.39%	20.94%	46.98%
Shares Outstanding (Basic)	108	107	94	88	87
Shares Outstanding (Diluted)	112	111	98	89	88
Shares Change (YoY)	0.48%	13.25%	10.57%	1.32%	-0.24%
EPS (Basic)	46.46	35.18	26.32	17.75	14.80
EPS (Diluted)	44.96	33.93	25.18	17.47	14.63
EPS Growth	32.51%	34.75%	44.13%	19.41%	47.33%
Free Cash Flow	-11,963	-14,438	-12,386	-8,586	-5,004
Free Cash Flow Per Share	-106.90	-129.64	-125.94	-96.53	-57.00
Dividend Per Share	-	5.000	-	-	-
Operating Margin	60.28%	61.47%	57.66%	52.38%	55.67%
Profit Margin	46.42%	47.49%	44.73%	40.32%	42.85%
Free Cash Flow Margin	-110.39%	-181.47%	-223.75%	-222.85%	-166.93%
Effective Tax Rate	22.98%	22.75%	22.43%	23.08%	23.04%
Revenue as Reported	15,286	11,759	8,614	6,062	4,598

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.