In ₹ Crore except Per Share 12 Months Ending | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|---|
| Revenue from Operations | 54,969.5 | 69,683.5 | 81,982.4 | 86,164.0 | |
| Other Income | 13.0 | 41.3 | 7.1 | 4.2 | |
| Total Income | 54,982.5 | 69,724.8 | 81,989.5 | 86,168.3 | |
| Expenses | |||||
| + Employee Benefit Expense | 6,396.0 | 7,508.3 | 8,978.5 | 9,520.8 | |
| + Finance Costs | 18,724.7 | 24,770.8 | 28,666.0 | 29,690.4 | |
| + Depreciation & Amortisation | 683.3 | 881.0 | 1,009.0 | 1,045.0 | |
| + Other Expenses | 3,314.4 | 3,939.2 | 4,130.7 | 4,230.4 | |
| Total Expenses | 35,680.6 | 47,663.0 | 55,924.1 | 58,325.8 | |
| EBITDA | 38,696.9 | 47,672.3 | 55,733.2 | 58,573.6 | |
| EBIT | 38,013.6 | 46,791.3 | 54,724.2 | 57,528.6 | |
| Profit | |||||
| PBT before Exceptional Items | 19,301.9 | 22,061.8 | 26,065.4 | 27,842.5 | |
| + Exceptional Items | 0.0 | 0.0 | -265.2 | -265.2 | |
| Pretax Income | 19,301.9 | 22,061.8 | 25,800.2 | 27,577.2 | |
| + Current Tax | 4,957.7 | 5,389.7 | 6,874.2 | 7,458.7 | |
| + Deferred Tax | -99.3 | -89.6 | -389.9 | -508.3 | |
| Tax Expense | 4,858.4 | 5,300.2 | 6,484.3 | 6,950.4 | |
| + Share of Associates & JVs | 7.6 | 17.8 | 16.5 | 20.8 | |
| Net Income | 14,451.2 | 16,779.5 | 19,332.4 | 20,647.7 | |
| + Net Income — Continuing Ops | 14,443.5 | 16,761.7 | 19,315.9 | 20,626.8 | |
| + Other Comprehensive Income | 89.5 | -67.1 | -60.5 | 40.3 | |
| Total Comprehensive Income | 14,540.7 | 16,712.4 | 19,271.8 | 20,688.0 | |
| Net Income to Common | 14,451.2 | 16,637.8 | 19,017.4 | 20,303.5 | |
| Minority Interest | 0.0 | 141.7 | 315.0 | 344.1 | |
| Per Share | |||||
| Basic EPS | 236.89 | 268.94 | 30.60 | 32.66 | |
| Diluted EPS | 235.98 | 268.20 | 30.51 | 32.57 | |
| Revenue Detail — as filed | |||||
| + Sale of Services | 50.0 | 27.1 | 15.7 | 9.2 | |
| + Fees & Commission Income | 5,267.2 | 5,982.8 | 7,754.4 | 8,349.1 | |
| + Net Gain on Fair Value Changes | 308.3 | 539.0 | 471.2 | 340.3 | |
| Expense Detail — as filed | |||||
| + Fees & Commission Expense | 1,931.5 | 2,597.7 | 3,658.1 | 3,944.1 | |
| + Impairment on Financial Instruments | 4,630.7 | 7,966.0 | 9,481.9 | 9,895.2 | |
| Other Comprehensive Income — detail | |||||
| + Other Comprehensive Income | 89.5 | -67.1 | -60.5 | 40.3 | |
| + Items NOT to be Reclassified to P&L | 89.9 | -120.8 | 14.5 | 66.1 | |
| + Tax on Items NOT to be Reclassified | — | -31.5 | 6.0 | 12.9 | |
| + Tax on Items NOT to be Reclassified — alt tag | 14.3 | — | — | — | |
| + Items to be Reclassified to P&L | 18.7 | 29.6 | -107.6 | -39.4 | |
| + Tax on Items to be Reclassified | — | 7.4 | -38.5 | -26.5 | |
| + Tax on Items to be Reclassified — alt tag | 4.7 | — | — | — | |
| Comprehensive Income — Owners of Parent | 14,540.7 | -67.8 | -58.2 | 14,880.8 | |
| Comprehensive Income — Non-controlling Interests | 0.0 | 0.7 | -2.3 | 254.0 | |
| Per Share — as-filed variants | |||||
| Basic EPS — Continuing Operations | 236.89 | 268.94 | 30.60 | 32.66 | |
| Diluted EPS — Continuing Operations | 235.98 | 268.20 | 30.51 | 32.57 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||
| Gross Profit | 54,969.5 | 69,683.5 | 81,982.4 | 86,164.0 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||
| Pretax Income (Adjusted, as filed) | 19,301.9 | 22,061.8 | 26,065.4 | 27,842.5 | |
| − Exceptional Items (reconciliation) | 0.0 | 0.0 | -265.2 | -265.2 | |
| Net Income Adj (tax-effected) | 14,451.2 | 16,779.5 | 19,530.9 | 20,846.0 | |
| EPS Adj | 236.89 | 268.94 | 30.91 | 32.97 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||
| Face Value | 2.00 | 2.00 | 1.00 | 1.00 | |
| Interest Earned | 48,306.6 | 61,163.6 | 72,776.0 | 76,144.1 | |
| Paid Up Equity Capital | 123.6 | 124.2 | 621.8 | 622.1 | |